Go Back   Australian Ford Forums > General Topics > The Pub

The Pub For General Automotive Related Talk

Reply
 
Thread Tools Display Modes
Old 30-10-2010, 08:27 PM   #1
foxtrot3
FF.Com.Au Hardcore
 
foxtrot3's Avatar
 
Join Date: Apr 2008
Posts: 5,367
Tech Writer: Recognition for the technical writers of AFF - Issue reason: Technical articles. 
Default Ford stealer wants another 1½ %

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

__________________


HI

I'M MICHAEL

2003 ACID RUSH BA FUTURA WAGON

light up window switches | auto on cruise control | doubleclick window lift from remote
foxtrot3 is offline   Reply With Quote Multi-Quote with this Post
Old 30-10-2010, 08:28 PM   #2
EF
Formerly gt.4.me
 
EF's Avatar
 
Join Date: Oct 2010
Posts: 296
Default

wtf! that is waaaaaayyyyyyyyy ttttoooooo muuuucccchhhhhh poor fella that had to pay!
EF is offline   Reply With Quote Multi-Quote with this Post
Old 30-10-2010, 08:48 PM   #3
jpd80
FF.Com.Au Hardcore
 
jpd80's Avatar
 
Join Date: Jan 2010
Posts: 11,203
Valued Contributor: For members whose non technical contributions are worthy of recognition. - Issue reason: Thoughtful contributions to our community 
Default

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.
jpd80 is offline   Reply With Quote Multi-Quote with this Post
Old 30-10-2010, 08:50 PM   #4
vztrt
IWCMOGTVM Club Supporter
 
vztrt's Avatar
 
Join Date: Sep 2005
Location: Northern Suburbs Melbourne
Posts: 17,797
Valued Contributor: For members whose non technical contributions are worthy of recognition. - Issue reason: vztrt is one of the most consistent and respected contributors to AFF, I have found his contributions are most useful to discussion as well as answering members queries. 
Default

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 %.
__________________
Daniel
vztrt is offline   Reply With Quote Multi-Quote with this Post
Old 31-10-2010, 12:13 AM   #5
MYVYSS
Back where I belong
 
MYVYSS's Avatar
 
Join Date: Jan 2005
Location: Mexico - Victoria
Posts: 947
Default

Quote:
Originally Posted by vztrt
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 %.

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.
__________________
Regards

Craig
MYVYSS is offline   Reply With Quote Multi-Quote with this Post
Old 31-10-2010, 02:27 AM   #6
vztrt
IWCMOGTVM Club Supporter
 
vztrt's Avatar
 
Join Date: Sep 2005
Location: Northern Suburbs Melbourne
Posts: 17,797
Valued Contributor: For members whose non technical contributions are worthy of recognition. - Issue reason: vztrt is one of the most consistent and respected contributors to AFF, I have found his contributions are most useful to discussion as well as answering members queries. 
Default

Quote:
Originally Posted by MYVYSS
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.

Just got back from being down there and per gallon the price was about 7c different if you paid cash or used your CC.
__________________
Daniel
vztrt is offline   Reply With Quote Multi-Quote with this Post
Old 30-10-2010, 08:59 PM   #7
EF
Formerly gt.4.me
 
EF's Avatar
 
Join Date: Oct 2010
Posts: 296
Default

credit cards are the devil !
EF is offline   Reply With Quote Multi-Quote with this Post
Old 01-11-2010, 01:41 PM   #8
LeadFoot81
_Oo===oO_
 
LeadFoot81's Avatar
 
Join Date: Dec 2004
Location: Australia
Posts: 3,305
Default

Quote:
Originally Posted by gt.4.me
credit cards are the devil !
Not if you know how to use them to your advantage...
LeadFoot81 is offline   Reply With Quote Multi-Quote with this Post
Old 30-10-2010, 09:04 PM   #9
Bucknaked
FF.Com.Au Hardcore
 
Bucknaked's Avatar
 
Join Date: Jan 2005
Location: ACT
Posts: 11,647
Default

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.
__________________
FG2 XR6T
KIA Cerato
2022 Kawasaki Z900
Bucknaked is offline   Reply With Quote Multi-Quote with this Post
Old 30-10-2010, 10:03 PM   #10
bobthebilda
FF.Com.Au Hardcore
 
Join Date: Feb 2010
Posts: 1,242
Default

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.
bobthebilda is offline   Reply With Quote Multi-Quote with this Post
Old 30-10-2010, 10:22 PM   #11
flappist
FF.Com.Au Hardcore
 
Join Date: Dec 2004
Posts: 12,077
Default

Quote:
Originally Posted by foxtrot3
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
You want to save the 1.5% just go get a cash advance or use your own funds.

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?
flappist is offline   Reply With Quote Multi-Quote with this Post
Old 31-10-2010, 07:47 AM   #12
owl
Regular Member
 
Join Date: Jan 2006
Posts: 89
Default

Quote:
Originally Posted by flappist
You want to save the 1.5% just go get a cash advance or use your own funds.

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?
dont lose sight of the extra sales generated by the overspending of many using the cards that the retailer benifits from 1 or 2 per cent is a small price to pay for that windfall as well they are paid for their goods or service immediatly in many other businesses you have the privilage of waiting for your money
owl is offline   Reply With Quote Multi-Quote with this Post
Old 31-10-2010, 01:00 PM   #13
flappist
FF.Com.Au Hardcore
 
Join Date: Dec 2004
Posts: 12,077
Default

Quote:
Originally Posted by owl
dont lose sight of the extra sales generated by the overspending of many using the cards that the retailer benifits from 1 or 2 per cent is a small price to pay for that windfall as well they are paid for their goods or service immediatly in many other businesses you have the privilage of waiting for your money
Maybe once but now in the spending addicted culture we have created most cannot differentiate between own and borrowed funds with the cure to all problems being a limit increase.
flappist is offline   Reply With Quote Multi-Quote with this Post
Old 30-10-2010, 10:37 PM   #14
pottery beige
FF.Com.Au Hardcore
 
Join Date: Jun 2009
Posts: 18,983
Default

Cash Neville.. wheres the bloody cash......
pottery beige is offline   Reply With Quote Multi-Quote with this Post
Old 30-10-2010, 11:56 PM   #15
gossy
CLEVO POWERED
 
gossy's Avatar
 
Join Date: Mar 2009
Location: QLD
Posts: 1,625
Default

Quote:
Originally Posted by pottery beige
Cash Neville.. wheres the bloody cash......

Neville _ _ _ _ _ Bartos!!

Your a funny bloke mate, love your wit.
gossy is offline   Reply With Quote Multi-Quote with this Post
Old 31-10-2010, 09:24 AM   #16
landau460
BA MK2 GT
 
landau460's Avatar
 
Join Date: Jun 2008
Location: FOMOHO
Posts: 304
Default

Quote:
Originally Posted by pottery beige
Cash Neville.. wheres the bloody cash......

No CASH HERE, here theres no cash, cash no robbo..... no cash
__________________
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
landau460 is offline   Reply With Quote Multi-Quote with this Post
Old 31-10-2010, 10:07 AM   #17
pottery beige
FF.Com.Au Hardcore
 
Join Date: Jun 2009
Posts: 18,983
Default

Quote:
Originally Posted by landau460
No CASH HERE, here theres no cash, cash no robbo..... no cash
bloody frozen.......
pottery beige is offline   Reply With Quote Multi-Quote with this Post
Old 01-11-2010, 12:10 PM   #18
aussie muscle
FF.Com.Au Hardcore
 
aussie muscle's Avatar
 
Join Date: Feb 2008
Posts: 2,312
Default

Quote:
Originally Posted by pottery beige
Cash Neville.. wheres the bloody cash......
in my home town no banks have atm, the only atm is a 3rd party one that charges 2.50 per transaction!! ie no cheaper. also if i get cash on the CC, the bank charges extra for that.(cash advance fee). best to stick to using your own money.

Quote:
Originally Posted by MYVYSS
.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.
i stopped at a petrol station in Goulburn NSW and they actually pump the gas for you (first i've seen it since early 80s). There's no reason gas stations can't use mobile CC machines too (like they have in Taxi's).

Quote:
Originally Posted by Tranquilized
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.
it's only 20c, but how much is that a YEAR you are ripping off customers?
__________________
My ride: 2007 Falcon Ute BF XR8 Orange, MTO.
aussie muscle is offline   Reply With Quote Multi-Quote with this Post
Old 01-11-2010, 12:12 PM   #19
flappist
FF.Com.Au Hardcore
 
Join Date: Dec 2004
Posts: 12,077
Default

Quote:
Originally Posted by aussie muscle
i stopped at a petrol station in Goulburn NSW and they actually pump the gas for you (first i've seen it since early 80s). There's no reason gas stations can't use mobile CC machines too (like they have in Taxi's).
Umm, yes there is......

Mobile CC machines use a mobile phone connection.
flappist is offline   Reply With Quote Multi-Quote with this Post
Old 01-11-2010, 02:50 PM   #20
Yellow_Festiva
Where to next??
 
Yellow_Festiva's Avatar
 
Join Date: Oct 2006
Location: Sydney
Posts: 8,893
Default

Quote:
Originally Posted by aussie muscle
it's only 20c, but how much is that a YEAR you are ripping off customers?
Ripping off? Oh please.

Do you eat out much? When was the last time you questioned a $12 breakfast or a $22 steak?

After all, 2 bits of bread, 2 eggs, 1 sausage, 2 rashers of bacon, a tomato.. would only 'cost' bout $3 now wouldn't it...

Those thieves!
Yellow_Festiva is offline   Reply With Quote Multi-Quote with this Post
Old 30-10-2010, 10:52 PM   #21
Deaks
Regular Member
 
Deaks's Avatar
 
Join Date: Sep 2005
Location: Melbourne
Posts: 385
Default

Well put Flappist, dont want the fees, dont use it then.
Deaks is offline   Reply With Quote Multi-Quote with this Post
Old 30-10-2010, 10:52 PM   #22
InTrail
Regular Member
 
InTrail's Avatar
 
Join Date: Nov 2007
Posts: 219
Default

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.
__________________
Out of lease ......... what next?
InTrail is offline   Reply With Quote Multi-Quote with this Post
Old 31-10-2010, 09:24 AM   #23
zagan
Regular Member
 
Join Date: Oct 2010
Posts: 205
Default

Quote:
Originally Posted by InTrail
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.

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.
zagan is offline   Reply With Quote Multi-Quote with this Post
Old 31-10-2010, 07:20 AM   #24
seduced_xr
BF XR6
 
seduced_xr's Avatar
 
Join Date: Mar 2007
Location: Western Australia
Posts: 1,809
Default

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
__________________
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
seduced_xr is offline   Reply With Quote Multi-Quote with this Post
Old 31-10-2010, 07:28 AM   #25
chevypower
FF.Com.Au Hardcore
 
chevypower's Avatar
 
Join Date: Aug 2005
Location: Utah
Posts: 3,479
Default

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.
chevypower is offline   Reply With Quote Multi-Quote with this Post
Old 31-10-2010, 07:38 AM   #26
XR Martin
FF.Com.Au Hardcore
 
XR Martin's Avatar
 
Join Date: Dec 2004
Location: Canberra Region
Posts: 8,861
Default

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.
__________________
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.
XR Martin is offline   Reply With Quote Multi-Quote with this Post
Old 31-10-2010, 08:45 AM   #27
302 XC
FF.Com.Au Hardcore
 
Join Date: Sep 2009
Posts: 2,527
Default

Went to an auction place week or so ago
They charge 2% on any card transaction
302 XC is offline   Reply With Quote Multi-Quote with this Post
Old 31-10-2010, 09:02 AM   #28
Polyal
Virtuous Bogan (TM)
Donating Member2
 
Polyal's Avatar
 
Join Date: Jan 2005
Location: TAS
Posts: 27,483
Default

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.
__________________
  • 2023 Mitsubishi Triton
  • 2017 Mitsubishi Pajero Sport
  • 2003 CL7 Honda Accord Euro R (JDM) - K20A 6MT
  • 1999 Lexus IS200 - 1G-FE Turbo 6MT
  • 1973 ZF Ford Fairlane
Polyal is online now   Reply With Quote Multi-Quote with this Post
Old 31-10-2010, 11:11 AM   #29
Gaz
Got Ghia?
 
Gaz's Avatar
 
Join Date: Jul 2006
Location: Perth
Posts: 999
Default

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?
__________________
2007 BF MKII Ghia V8 - BA GT Exhaust| F6 Intake | Superlows | 19" GT-P's | 30mm Swaybar | - Sold
2002 AU2 XR8 Ute - Manual | Leather | Injected LPG | Pacemakers
Gaz is offline   Reply With Quote Multi-Quote with this Post
Old 31-10-2010, 01:59 PM   #30
tranquilized
FF.Com.Au Hardcore
 
Join Date: Sep 2008
Posts: 1,112
Default

Quote:
Originally Posted by Gaz
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?

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.
tranquilized is offline   Reply With Quote Multi-Quote with this Post
Reply


Forum Jump


All times are GMT +11. The time now is 03:13 PM.


Powered by vBulletin® Version 3.8.5
Copyright ©2000 - 2024, Jelsoft Enterprises Ltd.
Other than what is legally copyrighted by the respective owners, this site is copyright www.fordforums.com.au
Positive SSL