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The Pub For General Automotive Related Talk |
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#1 | ||
FF.Com.Au Hardcore
Join Date: Apr 2008
Posts: 5,419
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Hi. Down at the local ford dealer the other day and over heard a bloke picking up his car from the service dept being told he could pay his $2000+ bill using his credit card by paying an extra 1½ % using mastercard or visa or 4% extra if using an amex card. Now I know why they dont touch my car. An arm and leg is enough but trying to take ones other bits is a bit rich. Cheers MD
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![]() HI ![]() I'M MICHAEL ![]() 2003 ACID RUSH BA FUTURA WAGON ![]() light up window switches | auto on cruise control | doubleclick window lift from remote |
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#2 | ||
Formerly gt.4.me
Join Date: Oct 2010
Posts: 296
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wtf! that is waaaaaayyyyyyyyy ttttoooooo muuuucccchhhhhh poor fella that had to pay!
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#3 | ||
FF.Com.Au Hardcore
Join Date: Jan 2010
Posts: 11,277
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A lot of merchants refuse to deal with AMEX, if you don't completely
pay off your bills each month, they don't pay the merchants. That's what i was told a few years back in the USA and I believe it's still a universal policy elsewhere. Many moons ago merchants used to add 3% to Bankcard and credit card payments claiming banking costs. what people forget is that most merchants ended putting that cost on their goods regardless of cash or card. Now those same merchants are back for a second chop with banking fees... Last edited by jpd80; 30-10-2010 at 08:53 PM. |
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#4 | ||
IWCMOGTVM Club Supporter
Join Date: Sep 2005
Location: Northern Suburbs Melbourne
Posts: 17,798
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This is becoming more and more common that you have to pay the banks fee using a CC. If you think this is bad in the states (well in California) they have a price for paying cash and a price for paying by CC for fuel and its was more then a couple %.
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Daniel |
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#5 | ||
Formerly gt.4.me
Join Date: Oct 2010
Posts: 296
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credit cards are the devil !
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#6 | ||
FF.Com.Au Hardcore
Join Date: Jan 2005
Location: ACT
Posts: 11,647
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Some servo's slug you the extra for using your card. Bloke at work showed me something he got regarding the credit card fees, and I was suirprised to hear that the extra surcharge is not as much as you pay. So the vendor is taking a little extra for themselves.
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FG2 XR6T KIA Cerato 2022 Kawasaki Z900
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#7 | ||
FF.Com.Au Hardcore
Join Date: Feb 2010
Posts: 1,242
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one and a half percent aint too bad. Trying booking via some of the airlines. I purchased some tickets the other day. No other option than to pay via credit card. The flights were cheap, but the credit card fees added 6 percent to the costs.
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#8 | |||
FF.Com.Au Hardcore
Join Date: Dec 2004
Posts: 12,077
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Quote:
The credit card providers charge a fee to process the payment which comes off the income to the dealer. How would you feel if you had to pay 5% of your wages in fees just to get paid by your employer? |
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#9 | ||
FF.Com.Au Hardcore
Join Date: Jun 2009
Posts: 18,985
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Cash Neville.. wheres the bloody cash......
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#10 | ||
Regular Member
Join Date: Sep 2005
Location: Melbourne
Posts: 385
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Well put Flappist, dont want the fees, dont use it then.
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#11 | ||
Regular Member
Join Date: Nov 2007
Posts: 219
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It's a cost of merchants using credit cards that has always been in place, and therefore always part of their non-fixed overheads. Only recently have they allowed to charge separately for it.
As already mentioned, if the price wasn't reduced for cash transactions, then the vendors are double dipping.
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Out of lease ......... what next? |
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#12 | |||
CLEVO POWERED
Join Date: Mar 2009
Location: QLD
Posts: 1,625
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Quote:
Neville _ _ _ _ _ Bartos!! Your a funny bloke mate, love your wit. ![]() |
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#13 | |||
Back where I belong
Join Date: Jan 2005
Location: Mexico - Victoria
Posts: 947
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Quote:
Um...I lived in Cal for 14 months and never seen this, you pay for your petrol before you pump it EVERYWHERE. You either swipe your card or you pre pay in cash, the amount however is the same, just painful to say you want to put in 40 or fill it, and it only takes 36 or 44..as you have to head back in an either pay more and pump more, and or get some change, I always paid by CC at the bowser..Weird was in Portand Oregon, its illegal to pump your own gas, and they actually ask you for your pin so they can put it in, I told him mate, you can pump it all you like, however I will be putting in the pin number.
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Regards Craig |
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#14 | |||
IWCMOGTVM Club Supporter
Join Date: Sep 2005
Location: Northern Suburbs Melbourne
Posts: 17,798
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Quote:
Just got back from being down there and per gallon the price was about 7c different if you paid cash or used your CC.
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Daniel |
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#15 | ||
BF XR6
Join Date: Mar 2007
Location: Western Australia
Posts: 1,809
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we wont take amex purely for the **** around it causes.. places charge credit card surcharges because they can. im usually stuck at work till 9 10 or 11pm the last thing i want to be doing is finding a ATM where i wont get mugged. ive learnt to just pay it
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BA Falcon XR6 [JS92WA]in Winter White, 6 Speed ZF - BF Tail Lights, Pacemaker Twin 2.5" catback DBA Gold Series Rotors, 5% tint >>ITS BACK - The REBUILD IS ON, BF 2 Ghia 3v V8 5.4L, Full Fairmont Ghia Interior with FPV GTP seats,Boss Bonnet,BF Front End, DJR 302 Rear Wing, BF steering Column with BF ignition and FG keys, << 2010 FG Falcon XR6 [XRLNT] in Lightning Strike, 6 Speed Auto - 15% Tint, Ipod, Bluetooth, Climate Control, custom plates, DJR 302 Wing |
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#16 | ||
FF.Com.Au Hardcore
Join Date: Aug 2005
Location: Utah
Posts: 3,479
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Went to Couer d'Alene, ID a year ago and noticed they all did that there too. I know they pay 3% to the merchant for CC transactions, so why not give a break to cash-paying customers? I think it's a brilliant idea. The more vendors willing to do that, the quicker we can remove the control over this world from credit card companies.
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#17 | ||
FF.Com.Au Hardcore
Join Date: Dec 2004
Location: Canberra Region
Posts: 8,923
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Surprised companies still havnt realised that cash is always going to be a greater liability, and should be encouraging against it. But I guess the safety of the staff is of less importance than a little extra profit.
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2016 FGX XR8 Sprint, 6speed manual, Kinetic Blue #170 2004 BA wagon RTV project. 1998 EL XR8, Auto, Hot Chilli Red 1993 ED XR6, 5speed, Polynesian Green. 1 of 329. Retired 1968 XT Falcon 500 wagon, 3 on the tree, 3.6L. Patina project. |
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#18 | |||
Regular Member
Join Date: Jan 2006
Posts: 89
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Quote:
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#19 | ||
FF.Com.Au Hardcore
Join Date: Sep 2009
Posts: 2,527
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Went to an auction place week or so ago
They charge 2% on any card transaction |
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#20 | ||
Virtuous Bogan (TM)
![]() Join Date: Jan 2005
Location: TAS
Posts: 27,559
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Have you guys booked flights lately? I got stung $21 with jetstar ($3.50 per way per person) to book online. Isn't the incentive to save overheads by having online bookings??
So ****ed off. Virgin does it too. Thats half the cost of the flight...for ONE card transaction, its not like they do it 4 separate times..bah. Oh not a credit card either, but a debit visa. Its a joke.
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#21 | |||
Regular Member
Join Date: Oct 2010
Posts: 205
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Quote:
I was reading else where on the net... that a guy using an amex card got hit with the extra fees, so he rang up amex to ask if a merchant can do that as it's a distinctive to even use the card with the extra fees. The person at Amex asked who the merchant was as, as they aren't allowed to charge the customer a fee for using a amex card in Australia and they crack down hard on merchants that do charge extra fees. The fee is meant to be paid by the merchant so customers can use amex cards at the store. That was 2 years ago... though. So going by that... It's more like an employer paying your salary into your bank but to do so they have to charge you a fee so they can pay you. not the way you put it. I've heard some employers do charge fees for that reason too, if you don't use a bank they want you do use. Though the ACCC have changed the banking laws, so companies can charge extra fees, to try and force the CC companies into giving better deals or in other words competing against each other even though they won't. |
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#22 | |||
BA MK2 GT
Join Date: Jun 2008
Location: FOMOHO
Posts: 304
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Quote:
No CASH HERE, here theres no cash, cash no robbo..... no cash
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A lot of people think i know f#@$ nothing but in actual fact i know f#@$ all! I'm collecting Landau pics Fords I've owned 80 escort panelvan, 73 Landau, 73 xa fairmont, 74 Landau, 75 Landau, 75xb falcon, 67 falcon, 80 xd falcon, 94 ed falcon, 05 mk2 GT |
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#23 | |||
FF.Com.Au Hardcore
Join Date: Jun 2009
Posts: 18,985
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#24 | ||
Got Ghia?
Join Date: Jul 2006
Location: Perth
Posts: 999
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We charged at my last job (not for profit association) as M/C and Visa charged us about 2.3% and Amex charged us about 2.9% on top of every transaction.
It can add up to quite a bit. It should be a flat fee (eg 20c per transaction), cause at 3%... well how does a $100 transaction cost $3 to process and a $10,000 transaction cost $300?
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#25 | |||
FF.Com.Au Hardcore
Join Date: Dec 2004
Posts: 12,077
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Quote:
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#26 | |||
FF.Com.Au Hardcore
Join Date: Sep 2008
Posts: 1,112
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Quote:
Banks charge the vendors a percentage of the transaction amount. The reason AMEX cards aren't accepted at a lot of places is because their vendor charges are higher than mastercard and visa. I charge my customers 2% on any credit card transaction. The banks charge me 1.38%, so yes, I'm making a little extra - a whopping 0.62%. So on a $200 transaction I'll be charged $2.76 by the bank - so $0.20 isn't really going to help is it. Providing customers with the option of paying by credit card is a service we provide which costs us, so if the customer wishes to use this service they need to pay for it. |
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#27 | ||
FF.Com.Au Hardcore
Join Date: Apr 2008
Posts: 5,419
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Hi. After a day every one says credit cards cost so the costs are passed on to the supplier but how much does "cash handling" cost either paying a security company (chubb on armourgaurd etc) to pick it up or the time for staff to deposit in bank, with todays labour costs and the risks of large cash amounts on site does a card transaction really cost and more than a cash transaction by the time it is in your bank account? We do free credit card transactions at our workplace as if we didnt about half of those sales would walk. Cheers MD
__________________
![]() HI ![]() I'M MICHAEL ![]() 2003 ACID RUSH BA FUTURA WAGON ![]() light up window switches | auto on cruise control | doubleclick window lift from remote |
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#28 | |||
FF.Com.Au Hardcore
Join Date: Dec 2004
Posts: 12,077
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Quote:
Do you give discount for EFTPOS (sav)? Cheques? Cash? Visa Debit? Or do you rip all of THOSE people off? As far as huge amounts of cash, did it ever occur to you that the majority of businesses are NOT Woolworths or Coles and have to go to the bank anyway on a fairly regular basis for all of the other deposits etc. There is a HUGE difference between RUNNING a small business and WORKING IN a small business. P.S. Cash is not so common now in most businesses. 10-15 years ago when cash was more common and larger cash amounts were banked myself and many of my friends used to carry insurance while transporting cash and valuables, mine was mostly plastic and made in Austria. |
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#29 | ||
Where to next??
Join Date: Oct 2006
Location: Sydney
Posts: 8,893
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I don't see the problem.
Use your money, pay the invoiced price, borrow from the bank, pay the fee to use another persons money, as well as the privilege of having up to 55 days to pay it back before interest starts. A credit card can be a wonderful thing. If you are strict, and only use it to replace money you already have then thats no problem, just pay the amount in full the day it's due. If you hit the town, rack up a bill and take several years to pay it back at 18% of course you will despise them... but in the end you are the person making the transactions. |
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#30 | |||
FF.Com.Au Hardcore
Join Date: Jan 2005
Location: Perth WA
Posts: 1,204
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Quote:
![]() Also, if I come to your company to purchase a widgit and it's $500 + 2% CC and down the road charges $500 with no CC fee for the same widgit, then you lose the sale. |
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