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On November 29 2012 13:42 heliusx wrote:Show nested quote +On November 29 2012 13:27 tec27 wrote:On November 29 2012 13:00 heliusx wrote:On November 29 2012 12:48 tec27 wrote:
Instead of assuming that everyone you do business with throughout your daily life is a retard, you might like to consider that the payment networks these people deal with often have very weird structures. Therefore, its entirely likely that they incur extra fees for charges less than $5, or that they simply have a contract that they won't make charges that low. Next time, you can solve this problem by paying all of it on your debit card and depositing your cash at a nearby ATM. Then you won't have to get in time-consuming arguments in a store and spend all this time writing up awful blogs. Instead of assuming things you could do 30 seconds of research and realize visa disallows any minimums on debit cards. You would also realize debit cards incur a flat fee to the merchant. Therefore there was literally zero reason to not let me make my purchase. My girlfriend and I spend hundreds a month there on gas and miscellaneous items because of the convenience of the store being across the street. If that doesn't make her a retard I don't know what does. Businesses don't deal directly with Visa, they deal with payment networks who deal with Visa. You weren't arguing that it was against Visa guidelines for them to do this, you were arguing that they can't do basic math. I work on a product that interfaces between payment networks and merchants, so I'm quite well informed on the subject, whereas you you spend hundreds of dollars at a convenience store a month and can't seem to budget your money such that $5 in your bank account isn't the difference between paying your bills and not. Who do you think knows more about how credit/debit cards work? If you worked in the industry you would know the things you stated were false. Secondly theses no need for personal attacks on my finances you have no clue about my situation except for the fact that I have a specific amount of cash in one of my accounts and that I only had $5 on me. The fact that you're implying I'm a broke idiot who can't balance my funds is hilarious.
Your signature seems ironically appropriate for this situation.
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On November 29 2012 13:45 micronesia wrote:Show nested quote +On November 29 2012 13:43 heliusx wrote:On November 29 2012 13:35 micronesia wrote:
Most likely whoever the shop owner deals with electronically for debit card purchases has their own contract such that small purchases are disallowed. In order for the shop owner to compensate for that, they would need send a cut of what they saved with the cash you gave them, and forward it to the third party. Of course, this is horribly inefficient so this third party just wouldn't allow it, regardless of the sub-toddleresque logic of the cashier, as you put it. I sincerely doubt that is the case since practically every card issuer has clauses in the contracts for merchants that the merchant cannot have a minimum on any debit card purchases. It is a common practice. I suggest you ask them what the exact reason is for why they can't accept a small payment on a debit card if it is accompanied by a sufficient cash payment to make up the difference. While it's no guarantee, they may actually give an answer that puts the issue to rest. BTW I am generally not supportive of using debit cards, except as a backup. I use either cash or credit depending on the circumstances.
You're right it's very common at small time convenience stores but never in chain stores. The fact is it's prohibited by the card issuers even if it is not tightly enforced. Now credit cards are a different ball game and the frank dodd act made it a "right" for merchants to be able to enforce a minimum of $10 or less. The owner told me the issue was with the fee they get charged per swipe, which is why it was mind boggling. My Mom owns a jewelry store that deals with a lot of cards for payment and the charges on debit can be anywhere from .25 to .75 a swipe depending on how crappy your contract is, which is why they want $5 minimum purchase. A minimum on the amount charged to the card regardless of the purchase size makes no sense. And neither does losing a customer who pumps gas in your place religiously.
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On November 29 2012 13:22 heliusx wrote:Take is somewhere else I knew I should have just said "political signs" because a lot of republicans are still raw about the election. I thought tl was more mature than that but I guess not. I'm assuming more than one post in here was hostile only because the romney comment.
The sad thing is you're talking about me and I don't support Romney. If it were an Obama sign I bet you wouldn't have made any snide remarks. You're just a bigot and frankly, pretty stupid.
No, I believe in a one party system not so different than cuba and NKorea.
p.s. you fail to see the point of it all.
P.s. You fail to acknowledge that this is a standard business practice. It's ok, be butthurt and cry to people on a forum. I bet the owner doesn't want business from some rude drunk like yourself.
User was warned for this post
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On November 29 2012 13:59 Dukeinator wrote:
The sad thing is you're taking about me and I don't support Romney. If it were an Obama sign I bet you wouldn't have made any snide remarks. You're just a bigot and frankly, pretty stupid.
You don't know what a bigot is.
P.s. You fail to acknowledge that this is a standard business practice.
No. It's standard for small stores to have a PURCHASE minimum. Do you seriously still not understand?
It's ok, be butthurt and cry to people on a forum. I bet the owner doesn't want business from some rude drunk like yourself.
lol.
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Baa?21243 Posts
He raged at the world, at his family, at his life. But mostly he just raged.
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On November 29 2012 14:05 Carnivorous Sheep wrote:
He raged at the world, at his family, at his life. But mostly he just raged... at the cashier.
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On November 29 2012 14:03 heliusx wrote:Show nested quote +On November 29 2012 13:59 Dukeinator wrote:
The sad thing is you're taking about me and I don't support Romney. If it were an Obama sign I bet you wouldn't have made any snide remarks. You're just a bigot and frankly, pretty stupid.
You don't know what a bigot is. Show nested quote +
P.s. You fail to acknowledge that this is a standard business practice. It's ok, be butthurt and cry to people on a forum. I bet the owner doesn't want business from some rude drunk like yourself.
lol.
Let me help you.
Bigot - a person who is utterly intolerant of any differing creed, belief, or opinion.
It's the main reason why everyone who responds to this thread is calling you an idiot. I don't expect you to figure it out, but you can't say you haven't been told.
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Baa?21243 Posts
Pretty much all of your assumptions are based on your ignorance to the subject so I'm not even going to waste my time addressing the rest.
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On November 29 2012 14:09 Carnivorous Sheep wrote:
Pretty much all of your assumptions are based on your ignorance to the subject so I'm not even going to waste my time addressing the rest.
Good for you. Usually when someone has nothing to say they say nothing.
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On November 29 2012 14:08 Dukeinator wrote:Show nested quote +On November 29 2012 14:03 heliusx wrote:On November 29 2012 13:59 Dukeinator wrote:
The sad thing is you're taking about me and I don't support Romney. If it were an Obama sign I bet you wouldn't have made any snide remarks. You're just a bigot and frankly, pretty stupid.
You don't know what a bigot is.
P.s. You fail to acknowledge that this is a standard business practice. It's ok, be butthurt and cry to people on a forum. I bet the owner doesn't want business from some rude drunk like yourself.
lol. Let me help you. Bigot - a person who is utterly intolerant of any differing creed, belief, or opinion. It's the main reason why everyone who responds to this thread is calling you an idiot. I don't expect you to figure it out, but you can't say you haven't been told.
You posted a definition of bigot, yet you still don't know what it means.
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Baa?21243 Posts
On November 29 2012 14:13 heliusx wrote:Show nested quote +On November 29 2012 14:09 Carnivorous Sheep wrote:
Pretty much all of your assumptions are based on your ignorance to the subject so I'm not even going to waste my time addressing the rest. Good for you. Usually when someone has nothing to say they say nothing.
What a comedic post. Think about what you're saying, it's incredibly stupid.
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Why didn't you just put 5 on your debit card and then 4.50 from the 5 cash that you had?
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On November 29 2012 14:15 heliusx wrote:Show nested quote +On November 29 2012 14:08 Dukeinator wrote:On November 29 2012 14:03 heliusx wrote:On November 29 2012 13:59 Dukeinator wrote:
The sad thing is you're taking about me and I don't support Romney. If it were an Obama sign I bet you wouldn't have made any snide remarks. You're just a bigot and frankly, pretty stupid.
You don't know what a bigot is.
P.s. You fail to acknowledge that this is a standard business practice. It's ok, be butthurt and cry to people on a forum. I bet the owner doesn't want business from some rude drunk like yourself.
lol. Let me help you. Bigot - a person who is utterly intolerant of any differing creed, belief, or opinion. It's the main reason why everyone who responds to this thread is calling you an idiot. I don't expect you to figure it out, but you can't say you haven't been told. You posted a definition of bigot, yet you still don't know what it means.
He raged at the world, at his family, at his life. But mostly he just raged.
It was your political intolerance that lead to the "bigot" comment. Man you ARE dense. No saving you.
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Good lord did this thread take a nosedive...
On November 29 2012 13:45 micronesia wrote:
BTW I am generally not supportive of using debit cards, except as a backup. I use either cash or credit depending on the circumstances.
Mind sharing why?
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United States24700 Posts
On November 29 2012 14:20 Iranon wrote:Good lord did this thread take a nosedive... Show nested quote +On November 29 2012 13:45 micronesia wrote:
BTW I am generally not supportive of using debit cards, except as a backup. I use either cash or credit depending on the circumstances. Mind sharing why?
I prefer credit over debit to assist in building up a credit history. This will make it easier to get loans and other things like that later. I like to use checks for certain things like copays for doctor appointments, and cash for some things, but I wouldn't use debit unless I didn't have my credit card, and it was a purchase that I would normally use credit for.
edit: I forgot to mention credit cards will protect you from fraud better also (as well as give you a cushion while settling a dispute with a merchant)
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Blog content aside, i'm genuinely curious as to how you rationalise in your head the fact that an overwhelming majority of people seem to have a contradictory view of the situation to you?
Do you just pass them all off as idiots? Ignore them? Consider their opinion then discard it? Or do you not even weigh up the possibility that you might be wrong, or someone else might have more knowledge of the situation than you?
Seems strange to post a blog, then completely ignore/attack everyone who posts responses to it.
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On November 29 2012 14:19 Dukeinator wrote:Show nested quote +On November 29 2012 14:15 heliusx wrote:On November 29 2012 14:08 Dukeinator wrote:On November 29 2012 14:03 heliusx wrote:On November 29 2012 13:59 Dukeinator wrote:
The sad thing is you're taking about me and I don't support Romney. If it were an Obama sign I bet you wouldn't have made any snide remarks. You're just a bigot and frankly, pretty stupid.
You don't know what a bigot is.
P.s. You fail to acknowledge that this is a standard business practice. It's ok, be butthurt and cry to people on a forum. I bet the owner doesn't want business from some rude drunk like yourself.
lol. Let me help you. Bigot - a person who is utterly intolerant of any differing creed, belief, or opinion. It's the main reason why everyone who responds to this thread is calling you an idiot. I don't expect you to figure it out, but you can't say you haven't been told. You posted a definition of bigot, yet you still don't know what it means. He raged at the world, at his family, at his life. But mostly he just raged. It was your political intolerance that lead to the "bigot" comment. Man you ARE dense. No saving you.
Are you seriously having trouble differentiating between "political intolerance" and thinking it's dumb to plaster your place of business with political advertisements (regardless) of your ideology?
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I am confused why didn't you pay 5 on the card and 4.50 in cash? i doubt 50c will affect your bill payments.
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On November 29 2012 13:08 heliusx wrote:Show nested quote +On November 29 2012 13:02 Dukeinator wrote:
Grow up man. Five dollar minimums are a standard. If fifty cents is going to make that much of an impact on next weeks bills maybe you should get less stuff from the gas station.
Also if they want to promote Romney that is their choice. You do believe in freedom, right? No, I believe in a one party system not so different than cuba and NKorea. p.s. you fail to see the point of it all.
Are you saying a one party system can't have free citizens?
I can't believe you're making such a deal out of 50c. A $5 minimum is a $5 minimum, if you've really spent that much there, you should know that by now. Also, hundreds at a fuel station? If you get gas there, that's easy...
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This guy very well be the same person who posted this a month ago:
http://www.topix.com/forum/city/poplar-bluff-mo/T89UQ4TK5QFRBMVRE
Don't know if it will actually hyperlink as I'm using the TL mobile app for first time in awhile to post.
To the OP, if you feel there is some sort of injustice or illegality going on, file a claim with the BBB, posting a blog and then blasting everyone who attempts to bring up a counter point to your post doesn't do anything constructive.
Frankly, most of the comments I've read in response to others have had quite poor. Hopefully you find a place that can accommodate you and your budget.
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EPT
