I've never understood companies that accept credit cards for small
purchases, but refuse to take a check. We have a local Subway restaurant
that does such a thing. I am well aware that any credit card transaction
under $10 costs that company about 50cents. So I go to Subway, order a
$6 sandwich, and if I pay by CC, they lose 50cents. Yet, they will not
take my personal check which costs them nothing, and my bank is a block
away from this Subway.
I went to that Subway a few years ago, had them make my sandwich and
then realized I didn't have enough cash. He refused my check, and they
were just getting ready to close for the day. The banks were closed, so
I just left without my sandwich. I can only guess they tossed that
sandwich in the trash!
But the guy must have told me at least 3 times "we take credit
cards".... and 3 times I told him that I dont use credit cards....
On 3/21/2016 10:11 PM, firstname.lastname@example.org wrote:
Checks bounce. Ask any retailer that used to take checks and they will
probably show you a stack of useless paper that cost them a hefty fee
when it bounced. Most store don't take them unless you've been
pre-approved like the grocery stores do now. Others have electronic
setups to check your balance and take the funds right at the checkout.
If I don't know you, I'd not take your check either. I no longer carry
a checkbook as it is easier, faster to use plastic or just pay cash.
If you had a small retail store, chances are you'd not take checks
either once you've been swindled a dozen times.
By law, if you accept a cheque you are extending credit. It is a
risk. If you accept a credit card, the BANK is extending the credit on
your behalf and you are paying them for taking that risk. They are
guaranteeing you get your money. If you accept a debit card you are
tking the cash directly out of the customer's bank account and paying
the bank to do it for you.
When I was in the automotive repair business we took a lot of
cheques. We got stung on a few big ones. One went back to the
customer's bank 6 times before we managed to get it certified (figured
out when his welfare cheque was cashed). Was he ever pissed when he
found out what we had done.
Another customer bitched and complained about the bill, even though it
was less than the estimate - then insisted on paying by cheque, even
though he had said he was paying by credit card. I grabbed the cheque
and told the boss to keep him talking/busy for a few minutes, while I
jumped in the truck and went to his bank and had it certified. As I
was going out one door, he was running in the other all out of breath
asking to stop payment on the cheque. The teller told him he was too
I still accept cheques from regular customers, as I don't have a
credit card account and can't expect customers to pay bills of over
$1000 in cash - not to mention what it costs me to deposit cash at the
I have often gotten discounts for paying in cash or check.
Seems the government is going to get their full ammount from you. I was
going to pay some county taxes and car tags by card, but they wanted some
extra money,so sent in a check.
On Mon, 21 Mar 2016 23:19:59 -0400, "Ralph Mowery"
Yep, to pay my license plate renewal, or my property taxes, I can do it
online by credit card, but I'd have to pay a few bucks more. I just go
to the courthouse and pay it by cash, or write them a check, and there
are no extra fees or postage either. I'm in town several days a week
anyhow, and go past the courthouse all the time, so why bother paying
for this "convenience", which costs more.... Better yet, I get my
license plate stickers immediately and dont have to wait for the post
office to deliver.
On 3/22/2016 12:06 AM, email@example.com wrote:
Last time I registered my car for another 2 years, I drove into a lane
after inspection which had drive in bank facility and put old
registration, inspection report, drivers license, insurance and credit
card and got back new registration, license, insurance card and stickers
along with returned card.
Paying taxes last month the state would not accept credit card and I had
to send in a check. Strange they would take lower amount for car but
not higher one for taxes.
If you call them it's likely they will reverse the interest charge.
I've had them reverse it simply because I forgot. I'm not sure what
their internal rules are but they seem willing to let you off the hook
if it's not something you do all the time and you are an otherwise
HomeOwnersHub.com is a website for homeowners and building and maintenance pros. It is not affiliated with any of the manufacturers or service providers discussed here.
All logos and trade names are the property of their respective owners.