Comments on: No Minimum Credit or Debt Card Transactions

By: Allan Henry

Allan Henry — Mon, 14 Nov 2011 16:48:31 +0000

Nice advice. Thanks. I personally don’t use my credit cards too much as this can cause overspending and can damage my budget plan when shopping. I only have two major credit cards, one for my personal use, and the other one for business purposes. Before, when I didn’t knew about this strategu yet, I have had 6 credit cards in total, all used! It lead me into being full of debts. Good thing I seek help from one of the good companies over the internet that helped get out of debt. I followed their advice and now, I am living a happier and healthier financial life. If you want more good articles that talk about how debt relief you can visit this site: http://freedomfromcreditors.com.

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By: kladionice

kladionice — Tue, 11 Oct 2011 15:57:42 +0000

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By: Credit Card Chaser

Credit Card Chaser — Tue, 24 Nov 2009 03:28:43 +0000

I like to carry cash but I rarely use it unless I have to because I try to use my cash back credit card. .-= Credit Card Chaser´s last blog ..Credit Cards & Bankruptcy: A Visual Tragedy =-.

By: Jason

Jason — Thu, 08 Oct 2009 03:27:34 +0000

Cindy, thanks so much for sharing your perspective. To be honest, I was so focused on writing about the consumer perspective and businesses not following the rules that I never thought about someone commenting who is handling this in the right way. I hope in the long run people somehow come to see your honorable conduct and reward you for it in repeat business – thank you. Could you negotiate the fees with the credit card organizations? Just curious to know if you think this worth pursuing with them.

By: Cindy

Cindy — Wed, 07 Oct 2009 15:08:07 +0000

From another perspective, I am a merchant who follows the “no minimum transaction amount” rule. My main competitor in our small town does not. It therefore gives my competitor an unfair advantage over my business since I am paying fees on small purchases that they don’t. My options are to potentially start a fued by approaching the owner face-to-face to request they follow the rules(not a good idea in a small town) or to report them to the bank. Either way, it puts the onus on me rather than credit card companies to enforce their own rules.

By: Jason Price

Jason Price — Wed, 30 Sep 2009 02:02:31 +0000

Hi Terry. I guess at the end of the day it’s up to the merchant on how they want to approach business. I can’t say I would increase my purchase to spend up to their minimum and I may not have cash. My theory, which is difficult to prove, is it doesn’t impact their bottom line much in comparison to losing business to people. Unfortunately, we both lose. I don’t get my item out of convenience and there is lost business. I do appreciate your perspective on this and will definitely consider it if I encounter this situation again.

By: Jason Price

Jason Price — Wed, 30 Sep 2009 01:43:28 +0000

Jimmy, I will note we keep every receipt to make sure we’re tracking expenses accurately. I guess this makes my small debit card purchases more challenging as I describe in this post.

I’m not on TweekDeck yet, but do plan to start using it soon. Thanks for commenting and good to hear from you.

By: Terry Austin

Terry Austin — Tue, 29 Sep 2009 20:39:40 +0000

It might be possible that the merchant is actually losing money by taking small purchases. Although you might be within your rights to insist they accept your card for a small purchase, it might be considered a little selfish to ask the merchant to lose money just so we do not have to carry cash. .-= Terry Austin´s last blog ..Stewardship Is Who We Are, Not What We Do =-.

By: Jimmy

Jimmy — Tue, 29 Sep 2009 14:50:50 +0000

Agreed! The only time I have cash is when I pay for a meal and others with me give me cash to cover their portion. I did get stuck in Denver trying to get a cab with no cash…didn’t even occur to me that not all cabbies are able to accept credit cards for the fares. lol

Always good to see your posts. Have you used TweetDeck yet?
.-= Jimmy´s last blog ..Return of Rome… =-.