Do you ever feel bad about paying with a credit card?

For just about anything you want to get off your chest about credit cards.
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swipe_masta
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Do you ever feel bad about paying with a credit card?

Postby swipe_masta » Tue Jun 04, 2013 11:52 am

Now more than ever, swipe fees are a burden on merchants. I'm curious as to how many of you sometimes feel bad about paying with credit...
There are places that I frequent where I would never use a cc like where I go to get my hair cut, the used bookstore, and a family run coffee shop. I also always try to tip in cash after I pay with my cc.

On the flip side, the new credit card laws kicked in this year where merchants can charge a swipe fee on consumers for using cc. Has anyone come across an establishment that enforces this? If so, do they have a sign or tell you that they will charge for using a cc?


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FastSRT8
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Postby FastSRT8 » Tue Jun 04, 2013 12:03 pm

No, not in the least bit. This is the cost of doing business.

As for swipe fees, IF I get charged this, I will pay but will never go back to that merchant. So the way I see it, it's the cost of business and if you are planning to pass that cost out to me then you lose my sale.

I hate how business' push this crap on us
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swipe_masta
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Postby swipe_masta » Tue Jun 04, 2013 12:32 pm

Ya know what the cost of doing business with cash is? Nothing lol. I totally get where you're coming from, but I was talking more in terms of family owned and operated business as opposed to regular day to day spending.

There have been times where I was dissatisfied or pissed off at places and pulled out my Amex, even though I could have earned more rewards with another card, just so they would be charged the higher swipe fee lol. A little passive-aggressive, but my own personal form of justice I suppose.

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Postby MemberSince99 » Tue Jun 04, 2013 1:41 pm

No I never feel bad about it. If they don't want to accept my payment and get my business that's their choice I guess, but someone else will and I'll go there.
I see no reason to feel bad about paying with a card. Why should I carry about cash which can get lost or stolen, and have to deal with change, when I can pull out my card and just pay the amount of the sale and be done?
They need to factor that into the cost so they can make a profit and stay in business. Big business has no problem with the margin, as you mentioned it would more likely be the smaller mom and pop places. And I will tell you the reason they take credit cards is because it generates business. They know they will sell more if they accept that form of payment. So yes it costs money but as you know, you have to spend money to make money. Cost of doing business.
If they can't be profitable doing it, well I guess they won't do it and some legitimately are in that state, and I understand, but I will go to the place that will take my card as opposed to cash. Especially at the gas pump - who wants to walk in plunk down 100 or 200 dollars, go back out, pump your gas then come back in and deal with the change? What a PITA not to mention it's a risk doing that.

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Postby DavidNY » Tue Jun 04, 2013 1:56 pm

MemberSince99 wrote:plunk down 100 or 200 dollars, go back out, pump your gas


You must have a really big tank to drink down $100+ in one go.

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Postby MemberSince99 » Tue Jun 04, 2013 2:02 pm

I don't pay cash but the last woman I dated worked as a manager at a gas station, and she would have them plunk down that kinda cash to be sure they didn't drive off owing money. I was like damn good thing I use a credit card. She said they had drive offs all the time until they became jerks basically, when the price of gas got to be purshing 5 dollars a gallon.

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Postby HookEmHorns » Tue Jun 04, 2013 2:36 pm

No I don't. It doesn't matter if I pay cash or card, I'm contributing to their bottom line. And if I'm not, it sounds like that shop has a dumb owner that hasn't accounted for the extra merchant fees when it comes to pricing, etc. It's not my issue to look after the merchant that I'm buying from, he's/she's getting my money while I'm losing it..
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Postby djrez4 » Tue Jun 04, 2013 2:59 pm

Making some money is better than making no money.
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Postby jrv » Tue Jun 04, 2013 6:44 pm

;;
swipe_masta wrote:Now more than ever, swipe fees are a burden on merchants. I'm curious as to how many of you sometimes feel bad about paying with credit...
There are places that I frequent where I would never use a cc like where I go to get my hair cut, the used bookstore, and a family run coffee shop. I also always try to tip in cash after I pay with my cc.

On the flip side, the new credit card laws kicked in this year where merchants can charge a swipe fee on consumers for using cc. Has anyone come across an establishment that enforces this? If so, do they have a sign or tell you that they will charge for using a cc?


Never. The only time I feel bad is when I send in my CC payment at the end of the month ;) .
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Postby KrazyNick » Tue Jun 04, 2013 7:01 pm

The swipe fees aren't really that much, at my businesses we don't even take debit. Credit cards only (swipe debit as credit) , and we are a small family owned business, maybe the big stores like target at Walmart process so much it adds up to a big amount but I was always under the impression they got a better deal than I did! Think about all the restaurants they do credit only. I've never put in a pin number at a restaurant! Plus my credit card swipe fees are cheaper than my debit swipe fees and so much easier!
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