Can a store choose which type of cards they accept for payment?

For just about anything you want to get off your chest about credit cards.
20 posts
s.jessica
Centurion Member
Centurion Member
 
Posts: 125
Joined: Wed Dec 05, 2012 12:47 pm
Location: Iowa

Can a store choose which type of cards they accept for payment?

Postby s.jessica » Fri Feb 15, 2013 9:11 pm

I went into a local or I should say loco store today and saw this sign: In order to serve our customers better, we will no longer be accepting prepaid credit cards. Real credit and debit cards are still welcome. Thank you. The Management.

<scratching my head> WTF? :confused: I asked the guy at the counter and he said most prepaid cards were a rotten deal for the consumer so his manager wanted to do his part to not encourage their use and he was going to try to get all local merchants to do the same. He said they estimated 89% of their business was local bank debit cards, so they didn't think this policy would matter much. Now stay with me, I first handed him my debit card from Ally, he then called his manager who came up. They were whispering something off in the corner then the manager came to the counter and said he was sorry, they don't accept prepaid credit cards. I pointed out it couldn't be a prepaid credit card because it clearly says "debit" on the front, still it was a no go. Now slightly irritated :shoot:, well a little more irritated than that :shoot::shoot::shoot: I handed over a real credit card for U.S. Bank. He said he'd never seen a card like that before and he said it looked like another prepaid card.

I don't even want to admit it, I was told not to do it but I ordered an Amex Bluebird to carry some backup cash on when I was on vacation since my credit limits were so small, but I never used it. It was hard bringing myself to use it anyplace because I was afraid someone would see me and associate me with the lower class deadbeat trailer trash this card was aimed at. Sold by Wal*Mart and intended for use by the people of Wal*Mart. Let's be reasonable, the whole world knows at a glance Bluebird is prepaid, right? The guy looks at it and says "ah, American Express, that's more like it." He even commented on what a nice looking card it was and remarked "you must have a spotless credit report to get a card like this".

Okay, where's the camera, :ppp I know it's hidden here someplace, where is it?

My question, are these @$$ clowns allowed to do this? Should I report them to someplace or just leave it go and stay out of the store? They clearly did not read their merchant agreement, but they are a small store.


Drudai
Platinum Member
Platinum Member
 
Posts: 55
Joined: Sun Dec 16, 2012 8:25 pm
Location: Illinois

Postby Drudai » Fri Feb 15, 2013 9:14 pm

I don't have any viable, useful comment to post, but I laughed so hard reading it I had to give you kudos for sharing.
[size=60]
Chase Freedom: $800
Chase Slate: $500
Discover It: $2000
Sears: $2000
US Bank: $500
AMEX BCE: $2000
[/size]

shoptalk01
Platinum Member
Platinum Member
 
Posts: 88
Joined: Thu Aug 02, 2012 1:18 am
Location: Nebraska

Postby shoptalk01 » Fri Feb 15, 2013 10:08 pm

It appears this merchant is doing people a favour. Nobody should ever be using prepaid cards for any reason, they are just plain a bad idea. He needs to learn to identify types of cards by looking at them but it sounds like this place just opened? so should get better with time.

kcarter609
Centurion Member
Centurion Member
 
Posts: 423
Joined: Thu Aug 09, 2012 7:54 am
Location: VA

Postby kcarter609 » Fri Feb 15, 2013 11:11 pm

I would have given him a lesson on credit and credit cards right on the spot... it wouldn't have ended well.

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)

DavidNY
Centurion Member
Centurion Member
 
Posts: 1332
Joined: Tue Jul 05, 2011 12:28 pm
Location: New York

Postby DavidNY » Sat Feb 16, 2013 9:35 am

If a merchant accepts a payment network brand, they are obligated to accept that brand regardless of what type of card it's on.

The merchant has no way of knowing if you paid cash for a prepaid card, someone gave you one as a gift, or because you're getting 5% back in points.

Sevenfeet
Centurion Member
Centurion Member
 
Posts: 532
Joined: Thu Jan 17, 2013 7:20 pm
Location: United States

Postby Sevenfeet » Sat Feb 16, 2013 10:59 am

Agreed. I don't see the logic of discouraging people from using pre-paid cards unless he has been getting a lot of cards obtained by fraud. Otherwise, the merchant isn't supposed to know (or care) that the card is a prepaid. The system is designed to approve and handle the use. If the card isn't enough to complete the purchase, then the system allows the customer to supplement it with another form of payment (even multiple pre-paids).

Weird.
Cards:
American Express Platinum (NPSL)
Penfed Platinum Reward Visa ($28K)
Chase Freedom Visa ($25K)
Fidelity American Express ($20K)
American Express Blue Cash Preferred ($20K)
Bank of America Cash Rewards MasterCard ($20K)
Citi Thank You Preferred Visa ($9.5K)
Chase Sapphire Preferred ($7.5K)
US Bank Cash + Visa Signature ($7K)
Discover IT ($4K)

MemberSince99
Centurion Member
Centurion Member
 
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Sat Feb 16, 2013 11:45 am

Of course - a private company has the right to accept or not accept any form of payment they choose. And you have the right to go somewhere else.

Having said that I HIGHLY doubt the manager is going to bat for the little guy, whenever a private business says that, 99% of the time they are LYING and there is really some cost related issue at stake, but they throw that out there to try to look virtuous while they cut costs/losses/or increase profits. Maybe they paid a higher fee or something and the manager didn't like the hit to his bottom line and did that and tried to look like a hero instead of a zero.

User avatar
Calipso
Centurion Member
Centurion Member
 
Posts: 195
Joined: Mon Oct 29, 2012 2:50 pm
Location: Boston

Postby Calipso » Sun Feb 17, 2013 4:32 pm

You handled it far better than me. I think spelling out "D-E-B-I-T" to him and calling him a moron and walking out would have sufficed. What do I know though?
My Limits:
NFCU NavCheck: $15,000/NFCU Platinum: $11,500/NFCU nRewards: $8,000
Chase Freedom: $6,500/Chase Slate: $6,000/CSP: $5,000/Marriott Rewards Primier: $5,000/United MileagePlus Explorer: $5,000/Southwest Primier: $3,000
Citi Hilton HHonors: $9,700/Citi Simplicity: $8,200/Citi Forward: $5,500
AMEX Blue Cash Everyday: $8,000/SPG AMEX: $5,000/AMEX Everyday: $5,000/AMEX Delta Skymiles Platinum: $3,400
Discover IT: $7,700
Barclay's NFL Extra Points (Carolina Panthers): $5,000
DCU Platinum: $3,000
RTN FCU CC: $2,000
CCCU Platinum Rewards Visa: $2,000

Current total limit: $129,500

s.jessica
Centurion Member
Centurion Member
 
Posts: 125
Joined: Wed Dec 05, 2012 12:47 pm
Location: Iowa

Postby s.jessica » Sun Feb 17, 2013 7:08 pm

By the way, I tossed out that stupid Bluebird card. When I told my story some of my friends ripped me a new one for even getting it as it's really aimed at the subprime folks who can't get a checking account. They should really print a warning on the box. Who knew?

After what I heard, I wanted to crawl under a rock and die when someone saw me using it. The card just screams prepaid too much for my liking and I'm sure people are whispering, "look at the deadbeat with the prepaid card." Okay the idea was good, but you are combining Amex with Wal*Mart....you know "I need to go to Wal*Mart but can't find my pajamas." Yeah, that store.

432521
Centurion Member
Centurion Member
 
Posts: 379
Joined: Thu Apr 26, 2012 3:15 pm
Location: USA

Postby 432521 » Sun Feb 17, 2013 7:24 pm

s.jessica wrote:By the way, I tossed out that stupid Bluebird card. When I told my story some of my friends ripped me a new one for even getting it as it's really aimed at the subprime folks who can't get a checking account. They should really print a warning on the box. Who knew?

After what I heard, I wanted to crawl under a rock and die when someone saw me using it. The card just screams prepaid too much for my liking and I'm sure people are whispering, "look at the deadbeat with the prepaid card." Okay the idea was good, but you are combining Amex with Wal*Mart....you know "I need to go to Wal*Mart but can't find my pajamas." Yeah, that store.


I don't have a bluebird card but I don't see anything wrong with it... that or even any type of prepaid card. Why are people looking down on people who use the Bluebird card? My thought process is, okay I am using a prepaid card but I had to put my CASH into it right? It is a form of payment for people who may not want to open a credit card account and want some type of card because sometimes it maybe faster for them to use a card instead of counting paper. PS this is in no way talking down on you I just don't understand why your friends would ragg on you for using a card that was loaded with your money in the first place. It's like what if I loaded the card with like 2000, am I not going to use it because other people are going to judge me? No because I have 2000 in it, thats probably 2000 more than they have.
March 2011- Wellsfargo Cash Back College Card
May 2012- Chase Freedom
May 2012- Discover IT
August 2012- American Express Blue Cash Everyday



Return to “General Credit Card Talk”

Who is online

Users browsing this forum: Reirdreswage and 3 guests