Some businesses don't have the Amex logo

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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DoingHomework
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Postby DoingHomework » Tue Jun 04, 2013 5:01 pm

FastSRT8 wrote:As a consumer let me put it this way. If there is a problem I for one am very glad to have Amex by my side. They work to ensure I'm satisfied then together the issue will be worked thru.

Can't say the other credit card company will take that stance.


I completely agree 100%. My point was only that there are some types of merchants that truly do get ripped off all the time when people refuse to pay. I can understand why they would not want to deal with Amex. Trust me, there are plenty of deadbeats out there who will enjoy a service that can't be taken back and then just refuse to pay for no reason.


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Postby websteth » Tue Jun 04, 2013 7:11 pm

Reclusive46 wrote:Brighton is where the EU Amex headquarters is. Brighton acceptance was really good there when I was visiting. Even the smallest shops I visited took it. Better than some places I've been in the US :P


Great to know. Thanks!
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Reclusive46
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Postby Reclusive46 » Wed Jun 05, 2013 11:38 am

DoingHomework wrote:I completely agree 100%. My point was only that there are some types of merchants that truly do get ripped off all the time when people refuse to pay. I can understand why they would not want to deal with Amex. Trust me, there are plenty of deadbeats out there who will enjoy a service that can't be taken back and then just refuse to pay for no reason.


lol US merchants should count themself lucky compared to some countries like France. My cousin owns a restaurant in France and he pays 5.5% in interchange fees to Amex. He does take it though and he likes the fact he actually knows what he is paying. He says sometimes some international cards end up costing him more.

He was looking through his statement the other day and he got charged 7.9% on an Non European MasterCard World Elite card (He was pretty sure it was a US card).

1.35% (His standard interchange rate) + a 3.5% non-european card charge + 2% world elite fee + 1.05% swipe card (non EMV card) fee.
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Calipso
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Postby Calipso » Wed Jun 05, 2013 3:50 pm

rockyrock wrote:I suppose if being able to retire at a reasonable age, put your children through college, pay for health insurance, paying a living wage to your employees, paying for liability insurance, etc. are selfish acts of greed than you got me on this one.

Most small business owners are the hardest working folks I know. There is no such thing as a paid holidays or paid vacation. Saving $5k a year on merchant fees could mean the difference between funding an IRA or not.


I didn't realize somebody else's IRA account was my problem. /sarcasm

Either they take Amex or I don't shop in their business. They can lose a few bucks in merchants fees or whatever business I would normally bring in. Their choice.

The sob story of the small buisness owner yields no tears here.
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Robrus1
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Postby Robrus1 » Wed Jun 05, 2013 9:57 pm

I support local businesses as much as possible. Mainly restaurants, grocery, clothing stores, and barber shops. The only places that don't take Amex here are a select few restaurants, and I'm ok with it. CSP is better for restaurants anyway. I care more about what kind of service I am receiving and the quality of product I receive over what cards are accepted. This applies especially with local restaurants, when sometimes the food is unique and you can't get it anywhere else.
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Postby rockyrock » Thu Jun 06, 2013 1:45 am

Robrus1 wrote: This applies especially with local restaurants, when sometimes the food is unique and you can't get it anywhere else.


People can be real short sighted with this fact. Imagine if you stepped off the plane in Naples, Italy and couldn't wait to have some great fresh Napoleon Pizza and all you could find was Little Cesar’s and Pizza Hut. After dinner you wanted to enjoy some fresh Italian gelato you've been hearing about and all you can find is a Baskin Robbins. Finally, you heard cappuccinos were invented in Italy and have always wanted to try a real Italian cappuccino—your choices: Starbucks or McCafe.

That was a very extreme example but it’s happening all over. I live in Hawaii and every week some mom & pop restaurant closes and a month later a Subway or KFC opens. Small shops that produce Hawaii made crafts and clothes are losing ground to Walmart and Target every day. I know none of this will change. I know I won’t change people’s minds with my rants. I just have pride in my hometown and hate to see it lose the things that make it unique.

I also know this is a credit card forum not a chamber of commerce or SBA forum so I’ll step down from my soapbox now :-)
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DoingHomework
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Postby DoingHomework » Thu Jun 06, 2013 1:41 pm

rockyrock wrote:That was a very extreme example but it’s happening all over. I live in Hawaii and every week some mom & pop restaurant closes and a month later a Subway or KFC opens. Small shops that produce Hawaii made crafts and clothes are losing ground to Walmart and Target every day. I know none of this will change. I know I won’t change people’s minds with my rants. I just have pride in my hometown and hate to see it lose the things that make it unique.


When the cruise ship comes to Kona every Wednesday it runs a shuttle up to WALMART! so people can buy souvenirs. Now, most of the souvenirs were probably made in China. But even if they weren't, What kind of moron goes somewhere then avoids the local sights just to go shop at a Walmart? And how despicable is it for the cruise line to encourage that? They already do whatever they can to keep people from spending money locally by keeping them on the boat for breakfast and making them get back on before dinner. This kind of thing has made me swear never to take a cruise...well that and **** running down the walls.

I'm all for capitalism, freedom, and free markets. But if you carry this kind of thing to extremes there won't be anything left but greasy food at McDs and cheap cheap crap from WM.

Off my soapbox.

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Z06Biker
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Postby Z06Biker » Thu Jun 06, 2013 4:34 pm

I'm glad Zippy's takes Amex. :)
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Scoobynoodles
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Postby Scoobynoodles » Fri Jun 07, 2013 12:33 pm

I'm late to the party but I always look at store's windows for card logos. Surprisingly, there are still some merchants that only take cash. I usually find those are the small "mom-pop" shops or those awesome finds hole in the wall food spots. I can't knock em for not taking Amex.

I'm in the Midwest for the summer/fall for school and working and had my Amex declined several times...even Discover on a few instances. I usually keep my wallet with at least one of Amex, either a V or MC, and Discover. I was embarrased one time when a high-end restaurant in Brooklyn did not accept Amex and my lady paid it...of course I could've still paid it with my Visa card, but hey a lady's got to pay every now and then right?! =)

I'm seeing with advances of Square and other mobile payment solutions however, card acceptance across the board has risen. I suppose it depends on the establishment and whether they want to conform to these newer products or keep it simple and do it the way it has been done. To each his own.
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Reclusive46
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Postby Reclusive46 » Fri Jun 07, 2013 1:12 pm

If a high-end restaurant doesn't take Amex, that just annoys me and I will rarely visit again. + I always worry what other kind of cuts the restaurant makes if it isn't willing to pay an extra 0.1 or 0.2% on card fees.
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