osrb
Senior Forumite
Semper Fi
Mostly Harmless
Posts: 3,150
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No Visa
Dec 2, 2009 18:05:24 GMT -5
Post by osrb on Dec 2, 2009 18:05:24 GMT -5
I just went to pay for next semester of school. I have been using my visa card ever since I started going so I can pay it off during the semester. They no longer take visa. They do take mastercard, american express, and discover though. They say the visa is too expensive for them. Sounds like bs to me. The idiot at the desk told me I can write a check or use echecks this is even after I told her that I use visa so I can pay if off over the semester. I do not want to pay $1000 from my checking account. I need to be able to pay it off over the semester. What gets me is that every business that takes cards take visa but this state run shit hole of a school cannot. Sound like someone is being paid off. I will find a way to charge this even if I have to get a mastercard to do it.
Oh btw all around campus there are signs for a mastercard with the same company that processes the credit cards. I will NOT get this one.
Does anybody know how much it cost to process the different types of cards?
If you are wondering it is Dalton State and this is my last semester.
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Deleted
Deleted Member
Posts: 0
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No Visa
Dec 2, 2009 18:09:56 GMT -5
Post by Deleted on Dec 2, 2009 18:09:56 GMT -5
How odd. I've seen or shopped at places that won't take Discover, but not places that won't take Visa.
Your situation does, indeed, sound bogus.
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goomba
Global Moderator
Straight Shooter
I am the Security God of Conventions. I am everywhere, but nowhere to be found.
Posts: 2,403
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No Visa
Dec 2, 2009 19:03:22 GMT -5
Post by goomba on Dec 2, 2009 19:03:22 GMT -5
I smell a rat
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No Visa
Dec 2, 2009 20:19:12 GMT -5
Post by vanstheman on Dec 2, 2009 20:19:12 GMT -5
It's widely known that American Express has the highest fees....it looks like MC worked a deal where their chief rival (Visa) was out.
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No Visa
Dec 2, 2009 20:27:50 GMT -5
Post by cadillacdude1975 on Dec 2, 2009 20:27:50 GMT -5
the company they are using is who charges the processing fee to the merchant, in this case, the school. where i used to work, the owner would change CC machines sometimes as many as 3 times a year over the fees changing. if he found out he could save a penny, he would change processing facilities.
most places have gotten smart, and will only run the card if it is over a certain dollar amount. from what i was told, the fee for running the card is the same as long as it is over a set amount, but there are usually penalties if the card is run under a certain amount. say a 5 dollar purchase could cost them 45 cents to process, so they loose money.
it is total bullshit, and they did not want to get in to a head butting match over this. i fail to see why a community college like that would stop taking one of the most popular cards of all time. complete bullshit.
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JC
Full Forumite
No Messiah
Posts: 1,919
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No Visa
Dec 2, 2009 21:09:19 GMT -5
Post by JC on Dec 2, 2009 21:09:19 GMT -5
Kinda ironic that Dalton State no longer takes visas
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No Visa
Dec 2, 2009 21:43:21 GMT -5
Post by Justin Thyme on Dec 2, 2009 21:43:21 GMT -5
That's what I was thinking, Strick. In Dalton Visas truly are of no value.
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No Visa
Dec 2, 2009 22:30:53 GMT -5
Post by el Gusano on Dec 2, 2009 22:30:53 GMT -5
Sam's Club doesn't take MasterCard.
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Police Moderator
Global Moderator
On The Job and Tangled Up In Blue
Posts: 9,821
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Post by Police Moderator on Dec 3, 2009 5:57:26 GMT -5
Visa won't accept payouts from PokerStars either.
What is the world coming to?
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Post by gridbug on Dec 3, 2009 7:42:13 GMT -5
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Jay
Senior Forumite
Captain Cupcake
Posts: 5,070
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No Visa
Dec 3, 2009 13:57:47 GMT -5
Post by Jay on Dec 3, 2009 13:57:47 GMT -5
I'm surprised colleges take any credit cards.. Did they ever charge you a "convenience fee" when you paid w/ the visa?
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No Visa
Dec 3, 2009 16:00:07 GMT -5
Post by LimitedRecourse on Dec 3, 2009 16:00:07 GMT -5
Does Dalton State give credits?
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No Visa
Dec 3, 2009 16:33:23 GMT -5
Post by rstewart on Dec 3, 2009 16:33:23 GMT -5
I'm surprised colleges take any credit cards.. Did they ever charge you a "convenience fee" when you paid w/ the visa? It's a breach of contract to charge a convenience fee. I wonder if the local governments know this, cause they sure do like to add that fee on. usa.visa.com/personal/using_visa/no-surcharge.html |
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www.nooganews.com
Full Member
Visit www.nooganews.com for Chattanooga's News!
Posts: 190 
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No Visa
Dec 3, 2009 17:05:31 GMT -5
Post by www.nooganews.com on Dec 3, 2009 17:05:31 GMT -5
The Dollar Store in Ringgold, GA will not take MasterCards, but accepts all others for credit purchases.
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Post by el Gusano on Dec 4, 2009 9:33:03 GMT -5
It's also illegal in to add a fee in most states.
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No Visa
Dec 4, 2009 10:00:43 GMT -5
Post by daworm on Dec 4, 2009 10:00:43 GMT -5
But often legal to give a cash discount...
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No Visa
Dec 4, 2009 10:05:48 GMT -5
Post by Justin Thyme on Dec 4, 2009 10:05:48 GMT -5
I'm surprised colleges take any credit cards. Tennessee Tech took credit cards in the 70s. Chattanooga State took credit cards in the 80s. That was all in the previous century. |
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No Visa
Dec 4, 2009 14:01:24 GMT -5
Post by rstewart on Dec 4, 2009 14:01:24 GMT -5
But often legal to give a cash discount... Very true but that would require the merchant to "discount" the price for cash payment, not increase it for use of a debit/credit card. |
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No Visa
Dec 4, 2009 14:03:10 GMT -5
Post by rstewart on Dec 4, 2009 14:03:10 GMT -5
It's also illegal in to add a fee in most states. Only "illegal", a crime, in 10 states but is prohibited by all merchants regardless of state. Just not a "crime" in the other 40 states. |
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Jay
Senior Forumite
Captain Cupcake
Posts: 5,070
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No Visa
Dec 4, 2009 16:51:36 GMT -5
Post by Jay on Dec 4, 2009 16:51:36 GMT -5
But often legal to give a cash discount... Very true but that would require the merchant to "discount" the price for cash payment, not increase it for use of a debit/credit card. It's all in the wording, 'eh?  |
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ScarlettP
Senior Forumite
Cookie Fairy
Posts: 4,856
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No Visa
Dec 4, 2009 18:40:54 GMT -5
Post by ScarlettP on Dec 4, 2009 18:40:54 GMT -5
B&B gives Anti Pain in the Butt discounts. Regular customers who spend a lot of money, are thrilled that I have a huge selection, are always happy with what they get and never ask for discounts.... Get LOADS of free stuff and custom made rentals.
The ones who think they can bully me into breaking the rules just for them, get zero slack. I keep trying to figure out how to tack on an Attitude Adjustment charge.
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Bob
Global Moderator
Bird Geek
Posts: 7,029
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No Visa
Dec 4, 2009 22:13:12 GMT -5
Post by Bob on Dec 4, 2009 22:13:12 GMT -5
B&B gives Anti Pain in the Butt discounts. Regular customers who spend a lot of money, are thrilled that I have a huge selection, are always happy with what they get and never ask for discounts.... Get LOADS of free stuff and custom made rentals. and some of us who don't really spend much and still get treated "special" love you for it.... |
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No Visa
Dec 4, 2009 23:50:31 GMT -5
Post by el Gusano on Dec 4, 2009 23:50:31 GMT -5
It's also against the merchant agreements to require a minimum purchase.
Government agencies are exempt from the laws that prohibit charging fees for using credit cards, and they are, of course, exempt from merchant rules prohibiting fees.
It was at one point a federal law that prohibited surcharges for credit card usage. Section 167 of the federal Truth in Lending Act used to state: “No seller in any sales transaction may impose a surcharge on a cardholder who elects to use a credit card in lieu of payment by cash, check or similar means.”
However, that law expired and it was changed, and that section was rewritten to state: "(a) With respect to credit card which may be used for extensions of credit in sales transactions in which the seller is a person other than the card issuer, the card issuer may not, by contract or otherwise, prohibit any such seller from offering a discount to a cardholder to induce the cardholder to pay by cash, check, or similar means rather than use a credit card.
(b) With respect to any sales transaction, any discount from the regular price offered by the seller for the purpose of inducing payment by cash, checks, or other means not involving the use of an open-end credit plan or a credit card shall not constitute a finance charge as determined under section 106, if such discount is offered to all prospective buyers and its availability is disclosed clearly and conspicuously. "
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