Accept Credit Card Now

These numbers are at the end of the signature box . I believe they are called CAC numbers.

Actually they are called CVV numbers...you need to actually call the credit card company and request a new card (they can't actually give you the numbers).

2008-02-10 18:13:28 by vernonmyers@att.net

There could be less jingle in the Salvation's Army's hallmark red kettles this season. The charity is testing kettles that take debit and ...

I saw a report on the news that said credit card companies do not like that when merchants do that. They said to call their customer service line and inform them of which businesses are doing that.
But it ends up hurting the business in the long run. If I go to a store once and they deny me from using my credit card, I won't ever go back there again even if I have cash in the future. They're losing a repeat customer.

Technically no, they can't require a minimum. Their merchant agreement with VISA/MC/Discover/Amex will require them to accept all amounts without charging the customers extra or enforcing a minimum. They do not get to pick and choose which transactions they will accept. They either accept credit cards or they don't.

However, many small businesses do require a minimum amount in violation of these rules and count on the customers not raising a fuss over it. Why do they do this? VISA charges a percentage of each transaction as a fee but there is also a minimum charge per transaction. I don't know the exact numbers but it's something like a quarter or fifty cents minimum processing fee. On sales smaller than $3 or $5, the store is probably paying more to VISA in processing fees than they are making in profit on the sale. Large grocery stores can absorb these costs, small businesses can't.

You can raise a fuss and try to make them process the transaction but I seriously doubt complaining to VISA will cause them to lose their merchant agreement. Or you can realize that they are just trying to make their business profitable. I never carry cash on me so I've run into this many times. If you are polite and reasonable and explain that you just don't have cash but you HAVE to have the $1.29 soda put on your card or you will walk out the door and go to their closest competitor, they may just take care of you in the name of customer service.

It's not a question of legality since this type of thing is not really governed by federal, state, or local laws. It's a question of contract breach between the merchant and VISA

2008-07-07 19:02:52 by guitarman

I just received an offer for 0% balance transferred until January 2010. Is it safe or "smart" for me to accept their offer knowing that they have been bought by JP Morgan Chase? Have you did it recently, and what are your experiences? Thanks!

I don't see a problem. The credit card division will continue to operate as WaMu or be merged into somebody else's operation. Either way, they're not going to just disappear.

You're not sending them any money in advance, so there's no risk to you.

2008-10-08 15:01:55 by Jaden's Mommy

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I got an offer from capital one for a credit card. It said I was preapproved...blah blah blah. I wanted to continue to build my credit but I also needed it as an emergency back up in case I ever have to leave the state for a family emergency. It did not mention the credit limit but I applied for it anyway and was approved. Today, I got it in the mail and it only has a 300 dollar credit limit which won't do me any good whatsoever. I have to activate the card before I can use it. I don't want it now so can I just not activate it? Can I tell them I don't want it? And most important....Will turning it down, hurt my credit now?
It carrys a 45 dollar annual fee.

Do not do it!! As posted in a previous answer I had them do it to me. I never used it but they kept adding finance charges and late fees to a card I never applied for. Cut it up and do not apply

2007-09-28 21:43:58 by blutoadmirer

I'm going to have a booth at an arts and crafts fair. I'm not sure how to accept credit cards. do i have to go with the manual cordless credit card machine or are there more options. thanks
How do i get the wireless equipment free?

For a booth at an arts and crafts fair you would definitely want to use a wireless credit card terminal. Swiping the card gives you a lower discount rate. Never lease your equipment. Get it for free or buy it.You want to find a company that has no annual fees, no start-up costs, no application fees, a low discount rate, low transaction fee, & do not pay for training on your equipment. Never sign a contract with out reading all of it. Some sales people will tell you things and it turns out differently. Take care of yourself and your business. :-)
I have done research on all of these companies before. Simple Payment Systems is the best and meets all that I have stated above. I am completely satisfied with them.
I did look into propay.com and there were many complaints online about them.
You can go to the web site below and call them or fill out the form and they will call you.
Best wishes!

Tell them you want the"Free Terminal Program" (On the web site it showed which terminals are on it. ) I hope this helps!

2007-06-06 19:11:59 by Teartin