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#3139424 - 01/25/13 06:34 PM Re: New credit card charges. [Re: Bigg'un4214]
BlackBelt
10 Point


Registered: 08/09/08
Posts: 2999
Loc: SouthWest TN

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My small business gets charged a 3.5% fee everytime someone uses a card whether it's credit or debit. I absorb that fee and it's illegal to charge more for using a credit/debit card over cash.
So I've decided to just up all the prices (cash or card) to cover that fee.

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#3139431 - 01/25/13 06:42 PM Re: New credit card charges. [Re: muddyboots]
Bowdacious
16 Point


Registered: 09/01/00
Posts: 15418
Loc: over here

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 Originally Posted By: muddyboots
They do it here. The only problem with debit is they decuct more than purchase and then refund the rest a few days later. My bank told me to run debit cards as credit to avoid that but now it is a charge to use a credit card so i guess i will go back to cash.

My bank doesn't do that. I have never had a hold for more than the charge.
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#3139569 - 01/25/13 08:06 PM Re: New credit card charges. [Re: Bowdacious]
stickler
8 Point


Registered: 08/14/08
Posts: 1789
Loc: Seymour TN

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 Originally Posted By: Bowdacious
 Originally Posted By: muddyboots
They do it here. The only problem with debit is they decuct more than purchase and then refund the rest a few days later. My bank told me to run debit cards as credit to avoid that but now it is a charge to use a credit card so i guess i will go back to cash.

My bank doesn't do that. I have never had a hold for more than the charge.


If you look at the pump some gas stations say they can authorize up to 75 or 100 dollars. They authorize that amount but in the next day or so will release what you didnt actually spend.

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#3139570 - 01/25/13 08:07 PM Re: New credit card charges. [Re: muddyboots]
TAFKAP
14 Point


Registered: 11/06/09
Posts: 8964
Loc: Memphis

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 Originally Posted By: muddyboots
They do it here. The only problem with debit is they decuct more than purchase and then refund the rest a few days later. My bank told me to run debit cards as credit to avoid that but now it is a charge to use a credit card so i guess i will go back to cash.


Only at hotels, gas stations, and car rental places.....I can't think of any other debit purchases that require a "deposit" type of withdrawl. Prepaying inside the gas station with a debit card will also eliminate their "deposit"
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#3139624 - 01/25/13 08:41 PM Re: New credit card charges. [Re: TAFKAP]
huntinkev
8 Point


Registered: 11/23/06
Posts: 1373
Loc: East Tenn

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I haven't heard this. I know Dave Ramsey has always said to run your debit card as credit. You will get the protection from visa for anything fraudulant. I havn't listened to him in a few weeks on the radio though. I could have missed the news.
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#3139652 - 01/25/13 08:58 PM Re: New credit card charges. [Re: huntinkev]
RUGER Administrator
Mouse Killa
Non-Typical


Registered: 11/19/99
Posts: 4104391
Loc: TN

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Closest thing to a credit card I have is my debit card.
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#3139726 - 01/25/13 09:41 PM Re: New credit card charges. [Re: TAFKAP]
RutMan
16 Point


Registered: 09/18/00
Posts: 15402
Loc: Atoka ,TN - USA

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 Originally Posted By: TAFKAP
 Originally Posted By: muddyboots
They do it here. The only problem with debit is they decuct more than purchase and then refund the rest a few days later. My bank told me to run debit cards as credit to avoid that but now it is a charge to use a credit card so i guess i will go back to cash.


Only at hotels, gas stations, and car rental places.....I can't think of any other debit purchases that require a "deposit" type of withdrawl. Prepaying inside the gas station with a debit card will also eliminate their "deposit"



Our bank does that here at gas stations using check card as a credit. They refund it at midnight each night.
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I believe in love....even when I don't feel it

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#3139727 - 01/25/13 09:42 PM Re: New credit card charges. [Re: RUGER]
Bowdacious
16 Point


Registered: 09/01/00
Posts: 15418
Loc: over here

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I don't use those gas stations. \:\) If I am going to be traveling for weeks or shopping at several different stores, I get a prepaid debit card. If someone steals the number, they don't get much and have no access to my bank account.
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Disagreeing with me doesn't make me any less right

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