Stores that don't accept credit/debit cards or need a "minimum"

[Draz]

Pizza restaurants, Chinese stores, grocery stores, local places in general that don't accept cards should be fined.. These fggots want to hide their total sales to prevent paying taxes.

Then there's the "minimum of x amount" assholes. That's another shit they do to get you to pay more just so you can make the purchase of what you originally wanted.

[Real Men Wear Green]

It can be motivated by a desire to evade taxes but when it's a credit transaction the credit card company takes a percentage that can make a small transaction barely profitable when you consider that they have to pay staff, pay for inventory, there building and whatever other aspects of overhead.

[Proctor]

Then there's the "minimum of x amount" assholes. That's another shit they do to get you to pay more just so you can make the purchase of what you originally wanted.
You must be the clown that goes into a store and uses their card to buy a Coke. :roll:

[Draz]

You must be the clown that goes into a store and uses their card to buy a Coke. :roll:
:roll:




:biggums:

[Pushxx]

That's what's great about America: if it's a deal breaker, find a Chinese restaurant that takes cards. Or maybe tell them you'd order more if they took cards. Or maybe deal with it because nothing is perfect.

Just...carry some cash lol.

[enayes]

You must be the clown that goes into a store and uses their card to buy a Coke. :roll:

If you own a credit card in which you earn rewards you'd be a clown to not use it on EVERYTHING.

Original post: It's annoying but becoming less common. But yeah a lot of it has to do with card companies taking a percentage. I think the average is like 2-3%. You'll notice a lot of stores may accept VISA/Mastercard but not American Express and Discover, AE and Discover take an even HIGHER percentage of the sale at 5-6%

[DCL]

you have to be pretty damn broke if you need to use credit card to charge on every little thing.

[n00bie]

If you own a credit card in which you earn rewards you'd be a clown to not use it on EVERYTHING.

Original post: It's annoying but becoming less common. But yeah a lot of it has to do with card companies taking a percentage. I think the average is like 2-3%. You'll notice a lot of stores may accept VISA/Mastercard but not American Express and Discover, AE and Discover take an even HIGHER percentage of the sale at 5-6%

Rewards are the reasons why merchants don't like taking cards. Who do you think pays for these rewards? Your bank!?! Of course not, they pass those costs to the merchants. All cards are different as well. The higher the rewards, the higher the cost for the merchant. It's hard for an owner to keep their costs down when they're losing 5 percent of their profit margins to banks because their customers want the points.

[lilandywiggins]

Pizza restaurants, Chinese stores, grocery stores, local places in general that don't accept cards should be fined.. These fggots want to hide their total sales to prevent paying taxes.

Then there's the "minimum of x amount" assholes. That's another shit they do to get you to pay more just so you can make the purchase of what you originally wanted.
Use an ATM if it bothers you so much.

[CelticBaller]

A $5 minimum has to be placed because bank fees take some of the stores profit

Instead of bicthing you should actually put yourself in their shoes. Would you run a business where you would lose profit for every sale you make? Or would you at least try to minimize loses?

[enayes]

you have to be pretty damn broke if you need to use credit card to charge on every little thing.

Not the case if you're good with your money. Cards like the Citi Double Cash give you 2% back on EVERYTHING. So YOU DO want to use it for that peach Snapple and YES you want to get your coffee and donut with the credit card.

People that view credit cards as only for large purchases simply don't understand how to use them. Yes they can get you in debt but they can also MAKE YOU MONEY.

[Bosnian Sajo]

A $5 minimum has to be placed because bank fees take some of the stores profit

Instead of bicthing you should actually put yourself in their shoes. Would you run a business where you would lose profit for every sale you make? Or would you at least try to minimize loses?


Exactly, bank fees. However, there is a way around it. You can say no to the banks fees (every time you swipe, % of sale which is at least 5%, % for this, for that...they rob small business clean) and go with the square, which has no swipe fees or any hidden charges, only a 2.75% charge per transaction. Much cheaper, and looks cooler too. You hook it up to a tablet from the audio input, swipe, and charge. Then they have to sign and boom, done. Much quicker than the banks bs, too.

[SugarHill]

You must be the clown that goes into a store and uses their card to buy a Coke. :roll:
I do that shit for coffee. :yaohappy:

hate carrying change or running to take some money out. Hit that scan. Two seconds. We out

[Draz]

I do that shit for coffee. :yaohappy:

hate carrying change or running to take some money out. Hit that scan. Two seconds. We out

Yeah.. I don't see why its an uncommon thing? Majority of the people swipe & go. Dunkin Doughnuts does it. Main places do it. Df is the excuse for the smaller places? Tax evasion?

[Godzuki]

business's pay 1.5 - 3%+ per transaction.

credit companies make a killing doing nothing but signing u up for computers to process your shit.

thats not even including statement fee's and them marking up the machine they say u have to use.

the whole credit card industry is so fukkin shady. they need government oversight so bad, probably THE shadiest of business entities next to telemarketing loan companies.

plus its all reported and tallied as income. cash isn't.

[shlver]

Yeah.. I don't see why its an uncommon thing? Majority of the people swipe & go. Dunkin Doughnuts does it. Main places do it. Df is the excuse for the smaller places? Tax evasion?
Read your own thread you dumbass. Their profit margins are low enough they choose not to. Once you stop posting on ISH so damn much and off your parent's paycheck, you might have your own small business and calculate the lost profit to credit card companies.

[bigkingsfan]

I use credit for low purchases if I know I'm getting change back. Fk coins.

[SCREWstonRockets]

:oldlol: its not a tax evasion thing. and that theory makes zero sense to the stores that make you do a minimum purchase. i rarely if ever see any places that don't accept cards. at least not around here. any store that doesn't accept cards is getting any real business.

the anti-coins people are funny. i saw this guy in line flip out once when he couldn't use his card for a small purchase. "I DON'T WANT TO HAVE TO CARRY CHANGE!" :lol like it just ruining his day to get coins back.

anytime i get coins back i'll just throw it in the tip jar or the ashtray in my car, not a big deal. and if you are worried about getting cash back on $1 purchases, cmon man. i'm not tripping over a $3-$5 minimum charge or whatever. a lot of these small business are the only places that value customer service unlike big chains where the employees don't really care.

[Hawker]

Still swiping in America? No pay pass yet?

[imnew09]

Nowadays I've been using applepay lol. Fken easy af although it seems shady and too advanced sometimes.

Don't need to pull out wallets and then wait for the fken coin changes. Fken hate to carry coins

[highwhey]

Still swiping in America? No pay pass yet?
Still being a salty douche?

[Hawker]

Still being a salty douche?

It was serious question. Don't understand how that hasn't caught on yet.

And yes, I'm still being a salty douche. :dancin

[highwhey]

It was serious question. Don't understand how that hasn't caught on yet.

And yes, I'm still being a salty douche. :dancin
Eat potassium rich foods.

[Hawker]

Eat potassium rich foods.

Thanks. :banana:

[Draz]

Read your own thread you dumbass. Their profit margins are low enough they choose not to. Once you stop posting on ISH so damn much and off your parent's paycheck, you might have your own small business and calculate the lost profit to credit card companies.
You're talking to a college student who pays every cent for tuition

Why in the world would a small business interest me in this fcking economy?

You sound 40, Muslim bait threads interest you more than why businesses have a credit card limit does to me fggot :roll:

[SCREWstonRockets]

Nowadays I've been using applepay lol. Fken easy af although it seems shady and too advanced sometimes.

Don't need to pull out wallets and then wait for the fken coin changes. Fken hate to carry coins
apple/android pay is the way to go if its accepted. its much safter than using debit/credit cards.

[shlver]

You're talking to a college student who pays every cent for tuition

Why in the world would a small business interest me in this fcking economy?

You sound 40, Muslim bait threads interest you more than why businesses have a credit card limit does to me fggot :roll:
The only way you pay for tuition is if you go to a community college with how much you bullshit around here. Your inane interests span bullshit(look at how many topics you post). Weak insult about me posting in muslim bait threads because it's not true. Just go back a couple of pages to see how much of a dumbass you sound like with the threads you've created.
"Post sad songs "
"oh boy let me be the first to create a superbowl thread"
"I'm ignorant and mad because some places don't accept my credit card paid for by my parents, we should fine them because of my perceived inconvenience because I'm an entitled little **** that takes duck selfies like my whore girlfriend."
-Draz for the past month.

[4 Inches]

http://img.michaeljacksonspictures.com/wp-content/uploads/2014/08/popcorn-blank.gif

[Proctor]

The only way you pay for tuition is if you go to a community college with how much you bullshit around here. Your inane interests span bullshit(look at how many topics you post). Weak insult about me posting in muslim bait threads because it's not true. Just go back a couple of pages to see how much of a dumbass you sound like with the threads you've created.
"Post sad songs "
"oh boy let me be the first to create a superbowl thread"
"I'm ignorant and mad because some places don't accept my credit card paid for by my parents, we should fine them because of my perceived inconvenience because I'm an entitled little **** that takes duck selfies like my whore girlfriend."
-Draz for the past month.
He spends half his time creating the same threads about sex and posting snapshots of random girls he "gets" into a car. Dude probably jerks off to pictures of himself. :biggums: :hammerhead:

[Proctor]

Yeah.. I don't see why its an uncommon thing? Majority of the people swipe & go. Dunkin Doughnuts does it. Main places do it. Df is the excuse for the smaller places? Tax evasion?
You don't think Dunkin is in a better position to recuperate their loss? :roll:

[Bosnian Sajo]

Why in the world would a small business interest me in this fcking economy?




Bro, you have to take an economics class. This is one of the silliest comments I've seen in a minute, since ik you're being serious you ain a troll just to spout dumbass shit. Real talk, if you wanna work for someone else the rest of your life and make just enough, don't worry about small business. But having your own business means you the boss, you make the decisions, you get days off whenever tf you want (if it doesn't hurt business), and no one can say jack shit.

Just for example, produce shops/local fresh markets are privately owned small businesses. In my county, we have about 10-15 of these type of places. One guy makes ~$10k a day in gross sales, another makes about 5-6k a day in gross sales. Then there is a fresh market couple miles away that is generating 1.5-2k a day in sales.

That means, in a year:

the top guy makes $3.65 million, the middle makes $1.6 million, and the latter getting around 500k-600k gross a year. Net is usually around 20-30% of gross income (completely varies on what kind of business, expenses, etc.). Let's say 25%. 25% of 600k is 150k for the year my dude, and they ain't even hitting full potential like the dude making 10k/day gross. And this is just one in one specific county, imagine how many produce shops there are in America. I'm not even taking into account other businesses like small tech businesses, accounting, welding, trucking, whatever.

Got a homie who was a truck driver for a few years until he had enough cash to buy multiple trucks, now he has people doing deliveries for him and all he does is manage the contacts/what they carry. Dude's clearing 400k/year, net. Small business, go figure.

[Draz]

Yeah, like I mentioned before my HS sucked. Probably one of the worst in NY. No economics courses, and I had chose to take a $1500-1600 4 credit accounting class over an economics. Biggest regret of my fcking life. Makes sense now. I brought it up because there was a huge thread on reddit about this situation and everyone was flaming. And given that here in NY it's all small businesses.

[shlver]

Bro, you have to take an economics class. This is one of the silliest comments I've seen in a minute, since ik you're being serious you ain a troll just to spout dumbass shit. Real talk, if you wanna work for someone else the rest of your life and make just enough, don't worry about small business. But having your own business means you the boss, you make the decisions, you get days off whenever tf you want (if it doesn't hurt business), and no one can say jack shit.

Just for example, produce shops/local fresh markets are privately owned small businesses. In my county, we have about 10-15 of these type of places. One guy makes ~$10k a day in gross sales, another makes about 5-6k a day in gross sales. Then there is a fresh market couple miles away that is generating 1.5-2k a day in sales.

That means, in a year:

the top guy makes $3.65 million, the middle makes $1.6 million, and the latter getting around 500k-600k gross a year. Net is usually around 20-30% of gross income (completely varies on what kind of business, expenses, etc.). Let's say 25%. 25% of 600k is 150k for the year my dude, and they ain't even hitting full potential like the dude making 10k/day gross. And this is just one in one specific county, imagine how many produce shops there are in America. I'm not even taking into account other businesses like small tech businesses, accounting, welding, trucking, whatever.

Got a homie who was a truck driver for a few years until he had enough cash to buy multiple trucks, now he has people doing deliveries for him and all he does is manage the contacts/what they carry. Dude's clearing 400k/year, net. Small business, go figure.
This guy just called you a dumbass in a roundabout way.:lol