Lickszz   10 #1 Posted August 6, 2003 I recently paid for a item in a national DIY store. I Paid on my Debit card. I was given a customer copy invoice. When I got home I noticed there were some "conditions" attached, one of which was that I paid 2.5% extra for using my debit card. I checked with the store and was told don't worry it's included in the price. Now I am wondering if I would have got a 2.5% discount if I had paid cash? I am also wondering if this is happening in other stores? Share this post Link to post Share on other sites Share this content via...
DaBouncer   13 #2 Posted August 6, 2003 They are charging this because it costs them to use the 'card' system to take payment. It's a disgrace. I used to work for Norwich Union Direct Car Insurance and they would charge 8% extra to take payment via DD. T-Mobile charge me a surcharge for NOT using DD. It's all a big con! Share this post Link to post Share on other sites Share this content via...
Classic Rock   10 #3 Posted August 6, 2003 I've seen this before, I think it's something that the bank pays on our behalf as private customers.  The only time I've known extra be charged is if I've booked concert tickets using visa and they tell you that they will charge a 2% fee unless you use Switch or Delta. So it seems that VISA charge more. Share this post Link to post Share on other sites Share this content via...
Abdul   10 #4 Posted August 6, 2003 I know that some companies such as Argos and Somerfield pay 2.5% of the purchase price of the product to another company (it should say on the receipt) but the price you pay stays the same. So if you buy summat for £100 with a card, £97.50 goes to Argos, and £2.50 goes to the other company. You still get charged £100.  Actually, the other company is usually part of the same group of companies - a tax dodge maybe Share this post Link to post Share on other sites Share this content via...
Lickszz   10 #5 Posted August 6, 2003 But, what would happen if I paid by cash, would I be entitled to ask for this discount and would I be likely to receive it? Share this post Link to post Share on other sites Share this content via...
Abdul   10 #6 Posted August 6, 2003 Good point! Haggle and find out Share this post Link to post Share on other sites Share this content via...
Lickszz   10 #7 Posted August 6, 2003 Originally posted by Abby Good point! Haggle and find out   Haggling is not my style, but I would ask for the discount if I thought I was entitled to it. Share this post Link to post Share on other sites Share this content via...
max   13 #8 Posted August 6, 2003 Originally posted by Abby Actually, the other company is usually part of the same group of companies - a tax dodge maybe  I heard that they do this to avoid VAT on the 2.5% and there is currently a court case involving the Inland Revenue and one of the major companies. Share this post Link to post Share on other sites Share this content via...
DaBouncer   13 #9 Posted August 6, 2003 Which major company is this? *cough* *cough* *debenhams* *cough* *cough* Share this post Link to post Share on other sites Share this content via...
Abdul   10 #10 Posted August 6, 2003 Originally posted by Lickszz Haggling is not my style, but I would ask for the discount if I thought I was entitled to it.  Yes, I know it isn't, which is why I recommended it Share this post Link to post Share on other sites Share this content via...
XADRIAN Â Â 10 #11 Posted August 6, 2003 Originally posted by Lickszz I recently paid for a item in a national DIY store. I Paid on my Debit card. I was given a customer copy invoice. When I got home I noticed there were some "conditions" attached, one of which was that I paid 2.5% extra for using my debit card. I checked with the store and was told don't worry it's included in the price. Now I am wondering if I would have got a 2.5% discount if I had paid cash? I am also wondering if this is happening in other stores? Â take the item back and this time pay in cash and find out Share this post Link to post Share on other sites Share this content via...
Tony Ruscoe   10 #12 Posted August 6, 2003 Basically, credit card companies charge a percentage (or sometimes a fixed rate) for every transaction that a shop makes. The company would be well within their rights to charge you extra (as some do - e.g. ticket agents, travel agents, etc.) to cover their costs. The shops that don't do this are losing out. The reason it's on the receipt is just to bring it to your attention that you are costing them money!  "They" say that if people keep using credit cards to pay for things, everywhere will have to increase their costs to compensate. Share this post Link to post Share on other sites Share this content via...