American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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Money card
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Bagel boys doesn't

Postby Money card » Sun Sep 11, 2011 3:12 pm

accept American express, but every other is accepted.

Some background on the store. in their first location back in the mid 90's they had the same sign up. they didn't accept the card. after a while they changed they and even took Diners club. this is a store that sells cold cuts, rolls, bagels, coffee, cold drinks, all different kinds of sandwiches.

After blockbuster went out of business they moved there store over to that location june, 2011. with this store they have more tables and tvs to watch games and highlights.

They sell the same kinds of food and drinks. today at the cash register I saw the sign that says "Bagel boys doesn't accept American express". in the past I've seen their sign somewhere in the store, the employees mentioned to me at the time back in the mid 90's they started taking American Express.

As I mentioned I saw the sign at the cash register that Bagel boys doesn't take American express, I asked the employee if this is a new sign or if it's from the 90's. she said that they just started this within a week. Now for a local like me this is no big deal for $20-26 I can always pay cash, you can say for somebody who lives in ILL and is staying at the Crowne Plaza, I know everybody has more than 1 credit card more than American Express.

I also asked the employee today if bagel boys takes Discover she said yes to Discover and no to American express.

my question to everyone, are there any stores privately or chains anywhere, restaurants etc that take Visa, Mastercard and Discover but not American express? I can think of the other way around visa, Mastercard and American express but not Discover. like fine dining the Saddle River inn, expensive stores like Hermes, Bergdorf Goodman's, ordering through the catalog Fenway park, affordable dining the mahwah bar and grill.

but not the way Bagelboys does it. in your area for everybody who has a Visa/Mastercard, American express, JCB or a Discover card. if you went to a place whether buying clothes, sneakers, eating out at a restaurant, buying lunch food for the week, and that particular place takes only Visa, Mastercard and Discover which would you use? would you use cash or a card?

I would tell you after American express has locked us out of a couple places granted there no big deal costco and Neiman Marcus (the store not the outlets) I don't feel sorry for them. it's not because my Discovercard membership says 1998 on it, the green says 2010, it has mainly because of the contracts with Neiman marcus and Costco, plus places like Fenway park where if somebody wants to order red sox merchandise, they can't use their Discover card same as the saddle river inn and Mahwah bar and grill.

With Amex I don't feel sorry for them but I do with Discover. How does everybody else feel when American express is the only card not accepted?


DavidNY
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Postby DavidNY » Sun Sep 11, 2011 5:41 pm

Since Amex charges the highest interchange fees, if I had a shop I probably wouldn't accept them either.

ooxs
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Postby ooxs » Sun Sep 11, 2011 7:27 pm

I agree with David, the fees are high and with profit margin falling, i will shop for the lowest which i believe is the Discover network followed by visa. A few places i shop don't take Amex, DTE a well known company don't take Amex

Money card
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Postby Money card » Sun Sep 11, 2011 10:14 pm

What does interchange fees mean? Same as a credit card transaction fee?

ooxs
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Postby ooxs » Tue Sep 13, 2011 6:15 pm

Fees paid between banks for the acceptance of card based on the trans completed.

JNK
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Postby JNK » Thu Sep 15, 2011 5:13 am

I wouldn't skimp on customer service. I would still take American Express if I had the choice. Currently for my own business, I DO take American Express through various online payment processing services and the fees I get charged reflect it.

Relating to having AMEX being not accepted...

Seeing as how AMEX has been the best for me in terms of customer service (general, fraud and lost-and-found-related, credit counseling, benefits/features-related) and has been the best for me in terms of warranty issues (all electronics get purchased on my AMEX now; no ifs, ands or buts about it anymore)...

I feel disappointed when AMEX isn't accepted at a store because AMEX to me = security and quality. Especially because of the buyer protection feature, I feel - to a degree, though yes, it can depend on the store - that a store that refuses to accept AMEX may not be as accountable as a store that does.

Restaurants I'm kind of ehhh about and won't/don't care too much about unless the quality of the food and service is subpar. If the quality of the food and service is subpar, then I start equating their lack of AMEX acceptance as relating to their quality.

Truth where I live:

All the places that I have been to that haven't accepted AMEX are places that I have experienced issues with.

Unnamed Electronics Store - before they accepted AMEX - had horrible quality control issues. Things were cheaper there, but things were often DoA there as well. Oftentimes, they were bad about returns even though the item was proven to be a DoA and not a damaged item after it was bought and I had to fight with them to even just exchange something. When AMEX was accepted, I suddenly stopped experiencing quality issues to the amount that I had experienced before and other shoppers reported similar. In this particular case, personally, I think that accepting American Express = more accountability because the store knows that unhappy shoppers who get craptastic items that are dead on arrival will more than happily turn towards American Express to take care of the problem if the store refuses to take care of a legitimate problem.

Unnamed Restaurant - To this date, I can never predict what some of their dishes (which they have served for years and years now) will taste like and I can't promise that their greens won't come with a tiny frog cooked in with it by accident (I kid you not; this has happened before on more than one occasion and yes, this restaurant still exists and no, I don't eat there anymore). To this date, they also don't accept AMEX. Hmmmmm.

Unnamed Restaurant - This place has always had good food and without the problems described in the first restaurant situation. When they were smaller/younger, they didn't accept AMEX but then they got bigger/older, they did and have been accepting AMEX for years now and their food is just as delicious as it was before and the service is still as excellent as it was before.
Personal Collection:

AMEX: Everyday (MR), Macy's (cobranded)
MASTER: Citibank Dividend Platinum Select (non-World version)
VISA: Chase Amazon Signature, Chase (bank issued)
GE: Care Credit (medical expenses), Macy's (store), JCP (store)


Business Collection:

AMEX: Costco True Earnings
MASTER: None
VISA: Chase Ink Cash

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Pete838
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Postby Pete838 » Fri Sep 16, 2011 12:09 pm

A lot of small shops and restaurants don't accept AMEX, most citing the higher fees, but a small shopkeeper once told me he gets more charge-backs from AMEX as well, meaning that AMEX customers are more likely to dispute a charge, and the disputed charge result in a loss for the merchant.

I once went to a Chinese restaurant near my home, and was presented the bill in an American Express restaurant check wallet, you know, the vinyl one with a pocket for the bill and another for a charge card. When I presented my AMEX for payment, they told me they don't accept AMEX! I showed him the AMEX logo on the outside of the wallet, and at that point his English went from broken to non-existent.
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