EPTdebit card minimums - Page 4
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brian
United States9633 Posts
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neSix
United States1772 Posts
 To discuss the matter at hand, I agree that the minimum policies can be annoying... but making this big a deal out of $0.50 seems completely insane. There seems like many ways that this could've been handled, and I'm a bit skeptical of philosophy of keeping your accounts so carefully balanced that a swing of fifty cents is going to cause you problems. Also if the place really is right across the street from your house, let me know how long you can actually go without shopping there. Unless you are one of the strongest-willed people I've ever heard of, or there's another nearly-as-convenient option, you'll be back. I promise. [Edit]Furthermore LOL for making this a political discussion... Unbelievable.[/edit] | ||
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theBALLS
Singapore2935 Posts
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Eruaphadion
Canada78 Posts
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bonifaceviii
Canada2890 Posts
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DarkPlasmaBall
United States45167 Posts
Come on now. | ||
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Tobberoth
Sweden6375 Posts
"The people at the store didn't have to take 5 dollars from the card, even though they said so, because I somehow know exactly how their payments to the card companies work. They were just saying that because they are stupid and enjoy lying." Actual situation: The store has a reason for not allowing sub-5 dollar payments on cards. Because of this, they have a rule which says that. It's not illegal for the store to have a minimum limit, and they definitely have a reason for it. You can either follow their rules, or not use the store in question. Either way is fine, coming here and whining about it with illogical arguments while calling them retards, is not. | ||
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DarkPlasmaBall
United States45167 Posts
On November 30 2012 00:47 Tobberoth wrote: OPs line of thought: "The people at the store didn't have to take 5 dollars from the card, even though they said so, because I somehow know exactly how their payments to the card companies work. They were just saying that because they are stupid and enjoy lying." Actual situation: The store has a reason for not allowing sub-5 dollar payments on cards. Because of this, they have a rule which says that. It's not illegal for the store to have a minimum limit, and they definitely have a reason for it. You can either follow their rules, or not use the store in question. Either way is fine, coming here and whining about it with illogical arguments while calling them retards, is not. Agreed. Obviously, if there was no problem with taking any amount from cards, they almost certainly wouldn't have a minimum. It would only restrict payment possibilities, which would in turn limit the number of customers who find shopping there most convenient. They clearly didn't do that only to piss off the OP. | ||
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thoraxe
United States1449 Posts
(4th time this question has been posted here) | ||
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divito
Canada1213 Posts
On November 29 2012 14:22 micronesia wrote: I wouldn't use debit Why though? I've yet to see you list a reason against debit. I never have to use cash anywhere (other than a night out at a club/bar); this cuts down on having to possess enough cash on hand to make certain purchases, especially if I'm not able to visit a bank/ATM; I never require a visit to a bank/ATM; and it allows me to easily assess what's available. On November 29 2012 14:22 micronesia wrote: 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) This is probably relative to banks as well, as experiences with my bank compared to friends'/families' banks differ greatly in regards to this. Not saying credit isn't better, but my debit instances in this area have personally been favorable. As for the OP, it is completely standard (in Canada and where I live) to have a minimum purchase, or a surcharge to the purchase at small convenience stores. As you noted later on, given that they pay per transaction, most simply do not do enough business to be able to warrant whatever situation they're in for their debit/credit transactions fees. | ||
micronesia
United States24747 Posts
On November 30 2012 01:10 divito wrote: Why though? I've yet to see you list a reason against debit. I never have to use cash anywhere (other than a night out at a club/bar); this cuts down on having to possess enough cash on hand to make certain purchases, especially if I'm not able to visit a bank/ATM; I never require a visit to a bank/ATM; and it allows me to easily assess what's available. This is probably relative to banks as well, as experiences with my bank compared to friends'/families' banks differ greatly in regards to this. Not saying credit isn't better, but my debit instances in this area have personally been favorable. As for the OP, it is completely standard (in Canada and where I live) to have a minimum purchase, or a surcharge to the purchase at small convenience stores. As you noted later on, given that they pay per transaction, most simply do not do enough business to be able to warrant whatever situation they're in for their debit/credit transactions fees. Yea it is probably less of a problem for certain financial institutions than others. When you use debit you aren't using credit, so you don't add as much to your credit history/score. On the other hand, I don't carry balances on my credits cards so it's basically using it like a debit card with a 1 month delay. | ||
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Capped
United Kingdom7236 Posts
Resist urge to get self warned or banned capped. RESIST DAMN YOU. | ||
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iGrok
United States5142 Posts
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. Ahahaha, "I thought tl was more mature" - writes up a rage blog about something that had literally 0 impact on anything, and tacks on political rant on top of it (then edits that out when he realizes it makes him sound like he's 12). As someone above said, if 5 dollars in your bank account as opposed to your pocket was really going to be the difference between paying your bills and not, either go to an ATM or just buy less crap at gas stations. | ||
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FFGenerations
7088 Posts
On November 29 2012 23:52 neSix wrote: To discuss the matter at hand, I agree that the minimum policies can be annoying... but making this big a deal out of $0.50 seems completely insane. it's not an issue of 50p, its an issue of monumental stupidity and utter mindlessness & refusal to use one's own brain. especially when OP knows that the woman is losing at least £10 and perhaps an entire regular customer worth £100s. i was refused cigarettes at a shop the other day. i am nearly 30, 6'2'' tall (so not an unusually young-looking guy). i work in a newsagents myself so know that yes its good to ID people and yes definitely you can make mistakes especially if you are new to the job and/or tired. you are supposed to ID people who "look under 25" but the brain does not end there. infact, you are permitted to use your own personal judgement so if you think someone is over 18 or appears to be over 18 to you then you can serve them. so when i was IDed i explained to the girl a bit of my life story, a 30 second rundown of working in age restricted jobs the last 5 years, that i worked at the particular newsagent in the other town, why i am in the area etc. i explained to the girl that even though she initially asked me for ID, it does not mean that she can't change her mind or use her better judgement to override the "looks under 25" policy. i said that i might look under 25 but you can use more than simply your eyes to tell how old someone is. well the girl wasnt able to grasp the concept so i asked her to get her supervisor, to whom i explained my story (brief life story, work at newsagents, age restricted jobs), and reminded him that just because i was initially asked for ID doesn't mean they can't change their minds considering i dont actually "appear" to be under 25 (or under 18) even though i may "look" under 25. i asked the supervisor if he personally thought i was under 25 and if he could accept his own judgement on the matter rather than the girl's, and he said no because she has asked for ID. i explained again that they are actually permitted to use their brains with regards to the matter but to no avail at this point i left the shop and a woman immediately came out and said "i heard your story, ill buy you some cigs what do you want?". which was great the next day (or a day later) i returned to the shop to buy some more cigs, the same girl & supervisor boy were there. i eagerly pulled out my ID and handed it to the girl. "mm i dont think this is valid ID". me: "? it has a photograph of my face on next to my date of birth 1984" girl: "i dont think college cards have the sticker on that makes them valid ID" boy: "no its not valid" me: *thinks* do they really still think that i am a 16-17 year old after ALLL THIS. (plus i had facial hair so looked EVEN OLDER) me: *oh wait its not about the fact that they think im underage, its about the fact that they are being complete morons* me: "(stuff about using their brains to make a decision rather than being completely oblivious and mindless to the reality)" so yes i can emphasise with OP. everyone can make mistakes, be stupid, completely mindless etc from time to time, but it doesnt mean you cant get bloody angry about it from time to time aswell. | ||
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bonifaceviii
Canada2890 Posts
Are you retarded? | ||
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jacosajh
2919 Posts
Adding to micronesia's thoughts, some reasons why using credit cards better than using debit cards (when done properly): You build credit. This in itself is very important as you almost can't get away from needing credit in modern society. It frees up your cash. Let's say you buy everything with debit, which is basically electronic cash, and an unexpected expense comes up. What do you do? You can argue and say, "Well hey, use your credit card." Well if you kept using cash all of this time, and didn't have very good credit, how would you even have the credit to do that? It gives better protection. 1. AFAIK, most credit cards have inherently better protection against fraud and theft than debit cards. If someone steals your PIN # somehow, your chances of getting that money back is slim; and even if you do, you will have to wait long periods. Most credit cards will just automatically give you back your money so long as you sign an affidavit. 2. Additionally, if your credit card gets stolen you still have access to your cash (in case of emergency). If you lose your debit card you will wait the usual 14 days to get a new one. 3. *Many credits also have additional benefits you may not even know about. Bought a trip out of the country with your CapitalOne card? You have "free" travel insurance. Getting airlifted from a cruiseliner because you need medical attention is not cheap. This even applies if you need to cancel a trip due to emergencies or if buy something you don't like. Points/Miles/etc. I know how this works and yes, I realize most of them end up being like .5% back to you, which isn't much if you're paying high interest. Well, if you paid off your card every month like micronesia said, this wouldn't matter; it's like getting .5% back. It's not much, but you'd be surprised how much you could build up over time. Especially if you are using your credit card to pay off bills you would have had to pay anyway. My utilities and every day purchases all go to my credit card, which I pay off at the end of the month anyway. At the end of every year, I can pretty much buy a new computer using all of my miles (by converting them into gift cards). * Don't quote me on this; I'm not 100% positive about this exact credit card. I haven't checked in a while, but the principle is correct. Most credit cards do provide this service "free of charge." | ||
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brian
United States9633 Posts
On November 30 2012 04:16 FFGenerations wrote: it's not an issue of 50p, its an issue of monumental stupidity and utter mindlessness & refusal to use one's own brain. especially when OP knows that the woman is losing at least £10 and perhaps an entire regular customer worth £100s. i was refused cigarettes at a shop the other day. i am nearly 30, 6'2'' tall (so not an unusually young-looking guy). i work in a newsagents myself so know that yes its good to ID people and yes definitely you can make mistakes especially if you are new to the job and/or tired. you are supposed to ID people who "look under 25" but the brain does not end there. infact, you are permitted to use your own personal judgement so if you think someone is over 18 or appears to be over 18 to you then you can serve them. so when i was IDed i explained to the girl a bit of my life story, a 30 second rundown under absolutely zero circumstances would I expect a different outcome. losing their tobacco license could easily mean the en of their business for lots if store owners. why on earth would they risk that for someone who is clearly more willing to stand there and argue with them than he is to simply carry valid ID? do you not see how that is not only suspicious but a potentially career threateningly stupid thing for them to do? your 'emphasis' with the OP is the singular idea that you're both capable of pissing off store owners with seemingly relative ease for no reason. | ||
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dUTtrOACh
Canada2339 Posts
EDIT: Or paid the entire $9.50, or any part of the total >=$5 on Debit. | ||
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dUTtrOACh
Canada2339 Posts
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