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Old 03-10-2011, 12:28 AM   #21
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Merchant agreement states that they can't: require a minimum purchase amount, ask for your ID as long as your card is signed, or turn your card down if the logo is displayed in the store. The rules protect the customer and the business. I know it doesnt appear that way on the surface, but they do.
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Old 03-10-2011, 08:52 AM   #22
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Kenny has the right idea; he’ll take a cc for a $1 purchase. I would never charge a $1 purchase on a cc but that just demonstrates his business ethic. If I wanted to buy a $9 and some change item and the associate told me there was a $10 minimum and they wouldn’t take my cc I guarantee you I’d never shop there again. I ALWAYS support local business when I can but to keep my business I expect to be treated well. There are too many businesses out there to spend my hard earned money where I don’t feel appreciated. I’ve only been in Buck & Bass once many years ago to buy a few river maps and I don’t recall how the experience was; it couldn’t have been bad or I’d remember not to go back. Just my .02!!
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Old 03-10-2011, 08:58 AM   #23
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Wirelessly posted

I don't know the people there either!

I don't really see a difference in what there doing compared to paying the service charge when using an ATM machine.
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Old 03-10-2011, 09:13 AM   #24
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Our economy is not doing real well these days,............. they may just be trying to keep their doors open during these tough times.
I do understand the customer complaint regarding the minimum purchase amount.
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Old 03-10-2011, 10:42 AM   #25
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I have researched and found that a merchant can not deny card usage based on the value of the transaction. I also called Rick and told him what I had found out and he told me he could do "about anything he wanted to" and that it was their policy and that if I did not like it, I did not have to shop there. I agreed, and said good bye - forever.

Last edited by whyworry; 03-10-2011 at 11:39 AM. Reason: removing some apparently inflamatory verbiage
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Old 03-10-2011, 10:55 AM   #26
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http://finance.yahoo.com/news/Debit-...king-budgeting
Just read this online this morning pretty interesting article and kinda goes with this post
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Old 03-10-2011, 11:10 AM   #27
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I would never SNITCH out a business that has such a minimum posted. Why you may ask... Simple... these credit card machine companies set the rules but that don't make them right or fair.

If there was a simple % fee to the merchant than none would have such a rule. But some of the outfits that specialize in setting up the smallest of businesses have ways to skim the most for THEIR financial gain no matter the cost to the merchant. Some charge per transaction and others may charge if the business goes over a certain number of transactions.

So the merchant can try to raise his prices to cover the expense but he is charging the cash customer extra too.

In many places it is against the LAW to charge more for credit card purchases so they rather break a stupid little "rule" with the CC machine company rather than commit a "crime"...

But under a certain total sale, the merchant will actually lose money rather than make a profit...

So does anyone feel that the merchant should take money from his pocket so you have the convenience of whoopin' out a card rather than cash?

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Old 03-10-2011, 11:18 AM   #28
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Guys look, I am in no way defending his handling of the situation but there is a 4% surcharge tacked onto his bill for using credit card and there are processing fees also added at the end of each billing month. For some people it simply isn't worth the hassle. It is his business and he is free to run it as he sees fit. If you don't like it, don't go there again but slamming him on an open forum isn't the answer either.
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Old 03-10-2011, 11:48 AM   #29
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The piece you are missing is, he is not free to handle credit card transactions as he see's fit...he's under a contract with the card companies. If he's got a problem with the credit card fees, he should find another processor or just go to cash only.

Anybody who knows a lick about running a business knows there is a cost associated with doing business. Why not build the cost of the processing into the prices and offer a discount for cash customers??

There's many ways to go about running your business...some smart, others, not so smart. He's not doing business real smart in my opinion...he's taking it out on the card users instead of creating a solution that works for everyone and possibly drives more cash business his way.

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Originally Posted by lobsterman View Post
Guys look, I am in no way defending his handling of the situation but there is a 4% surcharge tacked onto his bill for using credit card and there are processing fees also added at the end of each billing month. For some people it simply isn't worth the hassle. It is his business and he is free to run it as he sees fit. If you don't like it, don't go there again but slamming him on an open forum isn't the answer either.
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Old 03-10-2011, 12:02 PM   #30
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"Why not build the cost of the processing into the prices and offer a discount for cash customers?? "

That was done quite a few years ago (maybe the late '60s)
for a short time until the retailers decided they wanted/needed the 4% in their pockets.

I consider the use of a credit card to be contractually controlled under the rules that I agreed to when I applied for the use of the card. I also consider that the merchants are just as contractually bound to the rules that apply to their acceptance of cards. It is not a one way street, but just like any other contract, a two way street with responsibilities applying to all parties. Mr. Bankston (Rick) is not complying with a rule applicable to him.
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