Credit Card surcharges in America could be coming to Canada - Page 3 - Calgarypuck Forums - The Unofficial Calgary Flames Fan Community

RougeUnderoos · 01-31-2013, 11:31 PM

Quote:

Originally Posted by fotze

I pay the most times infinity.

Nuh uh! I pay a lot more than X infinity in taxes than those freeloaders who don't pay anything because they don't have money but live the highlife.

I have an eleven inch penis. I brag about it on the internet and people always give me this thing:

but I don't get it.

Also this:

mykalberta · 02-01-2013, 11:18 AM

A credit card is a convenience at all places other than online.

I dont mind if they charge a fee, they are just passing the fee along, its not like its some hotel fee they tack on and then they advertise "free wireless internet"

I would prefer to get a discount for paying with cash/debit rather than CC.

#22 · 02-01-2013, 02:35 PM

Quote:

Originally Posted by Canehdianman

I love the racket

I consider it the one small way I get back at poor people for paying 100x more tax than them.

I'm in the top tax bracket, but at least I get enough rewards to fly to Kelowna every once in a while.

It's a hollow victory, but it's all I've got.

Hahaha, Wow

Canehdianman · 02-01-2013, 02:43 PM

Quote:

Originally Posted by #22

Hahaha, Wow

Seriously? Did I need to use green text?

#22 · 02-01-2013, 07:33 PM

Apologies. My bad

Julio · 02-01-2013, 07:49 PM

A couple things on this...retailers MAY charge UP TO 4% in the states. It could be 0, or 1% or whatever.
Also, the following states don't allow it because of state laws: California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma and Texas. If I lived in any of the other 40 states I would be lobbying for it. I would be surprised if any national retailers did this, but I can see small retailers doing it to try and recoup some $ back.

BloodFetish · 02-01-2013, 08:22 PM

Quote:

Originally Posted by Canehdianman

I love the racket

I consider it the one small way I get back at poor people for paying 100x more tax than them.

I'm in the top tax bracket, but at least I get enough rewards to fly to Kelowna every once in a while.

It's a hollow victory, but it's all I've got.

Quote:

Originally Posted by Brannigans Law

Oh ya? I'm in such a high tax bracket I have my own tax code!

Oh ya? I'm Bill Gates, Bitch!

BloodFetish · 02-01-2013, 08:26 PM

Quote:

Originally Posted by fotze

The retailer pays a different fee to the bank depending on the card? Not American Express vs Visa, but between different types of Visa cards.

NM, already answered many times.

Ironically, it's probably the number of rewards cards in consumer's hands that's responsible for the surcharge in the States. From time to time I feel a little guilty using my rewards card as much as I do, but then I fly to Florida on points and forget all about it.

tvp2003 · 02-01-2013, 09:45 PM

Straight cash homey...

Sidney Crosby's Hat · 02-02-2013, 02:07 PM

Quote:

Originally Posted by Brannigans Law

No but I pay mine off every 2 weeks too. It lets me track my spending on a pay period to pay period basis. I guess I don't have to but... I prefer to.

I thought you didn't get points/Air Miles/whatever if you didn't carry the balance into the next pay period?

MelBridgeman · 02-02-2013, 03:10 PM

Quote:

Originally Posted by Brannigans Law

Oh I certainly agree with you, I have a very high interest rewards card I use for day to day but never keep a balance on longer for 2 weeks. But the point is that lots of people aren't responsible and the credit card folk are making tonnes of cash already. And on top of that they take a piece of the action from the stores too. It's quite the racket, all I'm sayin

You are also paying for people who rack up big debts and then get out of most of it with a consumer proposal or bankruptcy

Rathji · 02-02-2013, 03:31 PM

Quote:

Originally Posted by Sidney Crosby's Hat

I thought you didn't get points/Air Miles/whatever if you didn't carry the balance into the next pay period?

You get them on purchase.

krynski · 02-02-2013, 06:29 PM

ugh, do not want. I understand it is a cost to retailers, but retailers are already paying for these services to provide to the customer. The customer pays for this by having to pay slightly inflated prices.

Why is my form of money less acceptable than another? Does it not also save the retailer resources by elimitating physical money? The retailer saves time (and money) by not paying an employee to count all the pennies I could have handed to your cashier.

It saves fromemployee theft and miss-counting bills. It's much more difficult to steal liquid assets than physical assets.

Also, do you want customer spending? LOTS of people spend money they don't have thanks to Mr. Credit Card. People just put stuff on their credit card and then worry about it later. Retailers charging a fee on this is absurd. Why don't you charge me for spending money I don't have, on something I don't necessarily need?

Street Pharmacist · 02-04-2013, 02:37 AM

Quote:

Originally Posted by fotze

The retailer pays a different fee to the bank depending on the card? Not American Express vs Visa, but between different types of Visa cards.

Yes. Absurdly high rates for points based cards

missdpuck · 02-04-2013, 05:20 AM

Down here we've been assured no one plans to implement this. In my state they can't anyway.
If they did I could see myself geting some hokey prepaid cash card. Why? In the past year, I've had my debit card frozen by Bank of America 4 times due to "suspicious purchases". The first time it happened I was making a $30 purchase and it was declined. I would have to call them and they would verify the last few purchases. After the second time they would call/text before they did it. What was funny is, I went to the bank the first time to show them the message and verify it. They (tellers) kept insisting the bank would never send a message like that and said it was some kind of scam. They really thought I was a complete idiot. On the way out I mentioned it to the manager, who assured me it was legit, which I already knew.A scammer would have to be amazingly good to have the ability to unfreeze my account!
Three months ago I got a message saying one of the merchants I dealt with had had their card info compromised, and that I would be getting a new card in a few weeks.
So it's great that they catch this stuff, but what if they don't, and I'm just too tired or whatever to check my account that day?
So that would be the justification for the prepaid cash card. Credit cards are just much more secure than having a debit card linked to your bank account.

Flame Of Liberty · 02-04-2013, 06:18 AM

Credit card companies should offer money transfer services for free because its a human right to use a credit card.

SeeBass · 02-04-2013, 07:13 AM

Quote:

Originally Posted by Canehdianman

I love the racket

I consider it the one small way I get back at poor people for paying 100x more tax than them.

I'm in the top tax bracket, but at least I get enough rewards to fly to Kelowna every once in a while.

It's a hollow victory, but it's all I've got.

I usual find that seeing a single mom with infant waiting for a bus in -30C is more than enough payback for those that pay taxes.

Ducay · 02-04-2013, 09:06 AM

Quote:

Originally Posted by Sidney Crosby's Hat

I thought you didn't get points/Air Miles/whatever if you didn't carry the balance into the next pay period?

My old RBC Points VISA (Back when the rewards era was just starting) would allocate your points based on your ending balance, but I believe most, if not all, now allocate based on net purchases instead.
Boy was it a pain carrying large balances just to get my $10 worth of giftcards a month.