New "swipe" charges starting January 27th

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gut

Senior Member

15,058 posts
Jan 25, 2013 2:45 PM
sleeper;1374718 wrote:Excuse yourself leaving some form of collateral. Go to the ATM, withdraw money and pay for it with cash. Stiff the waiter and tell the manager you will never return.
Nobody is going to do that even for $2-$3 on a $100 dinner.
Jan 25, 2013 2:45pm
G

gut

Senior Member

15,058 posts
Jan 25, 2013 2:46 PM
Laley23;1374729 wrote:Eh, if they havent told you about a fee or have it posted somewhere you can usually argue with them and have them drop it.
Wherein they point to the little sign by the hostess that no one pays attention to as they enter. LMAO, people couldn't defend themselves from eating at a restaurant that allowed smoking, you think they're going to see a little sign?
Jan 25, 2013 2:46pm
I

I Wear Pants

Senior Member

16,223 posts
Jan 25, 2013 2:46 PM
gut;1374728 wrote:But you've already eaten. If you don't have the cash you have no choice but to pay the fee. And unless the restaurant has your branch ATM that's not really an alternative option.
He said leave collateral. As in, leave a credit card or your license or phone or something and then go to an ATM and get cash out. Even sleeper with his billions probably doesn't usually incur meal costs that amount to what a cell phone or something is worth.
Jan 25, 2013 2:46pm
Laley23's avatar

Laley23

GOAT

29,506 posts
Jan 25, 2013 2:48 PM
gut;1374731 wrote:Wherein they point to the little sign by the hostess that no one pays attention to as they enter. LMAO, people couldn't defend themselves from eating at a restaurant that allowed smoking, you think they're going to see a little sign?
If it isnt clearly visable to all parties you would have a defense. Im not saying anyone is going to cause this much of a hassle. But stuff like this is what certain attorneys make a living with.
Jan 25, 2013 2:48pm
I

I Wear Pants

Senior Member

16,223 posts
Jan 25, 2013 2:48 PM
gut;1374730 wrote:Nobody is going to do that even for $2-$3 on a $100 dinner.
I won't go to the ATM but I would definitely think about stiffing the waiter and would certainly tell the manager I won't be coming back and why. I'd feel bad about the tip thing but it would probably be even more effective than telling the manager. Because unhappy employees suck to deal with and if you can't keep quality employees since they never get tips your business will suffer.
Jan 25, 2013 2:48pm
Pick6's avatar

Pick6

A USA American

14,946 posts
Jan 25, 2013 2:51 PM
I use my credit card over my debit card due to the rewards points and the increased protection/ease of dealing with fraud. I have never had Huntington call me and say there is unusual activity on my card in Panama City, Florida, but I have had Discover call me. If a business that I regular decides to implement this, I will no longer regularly give them business.
Jan 25, 2013 2:51pm
said_aouita's avatar

said_aouita

Banned

8,532 posts
Jan 25, 2013 2:54 PM
Use a Discover Card. Problem solved.

Darn sure only Visa and MC charges these fee's. Not swiping a card (merchant hand keys the number) is a "non qual" fee to businesses who accept V/MC.

Pretty much V/MC suck but since they are tied to banks it's whats most used.
Jan 25, 2013 2:54pm
sleeper's avatar

sleeper

Legend

27,879 posts
Jan 25, 2013 2:59 PM
gut;1374728 wrote:But you've already eaten. If you don't have the cash you have no choice but to pay the fee. And unless the restaurant has your branch ATM that's not really an alternative option.
If you don't have proper payment, you are legally allowed to leave collateral and go retrieve a method of payment. What do you think happens when you forget your wallet at a restaurant? They don't arrest you on the spot and they don't make you wash dishes in the back either.
Jan 25, 2013 2:59pm
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sleeper

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27,879 posts
Jan 25, 2013 2:59 PM
gut;1374730 wrote:Nobody is going to do that even for $2-$3 on a $100 dinner.
Champions will do that for less than that.
Jan 25, 2013 2:59pm
sleeper's avatar

sleeper

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27,879 posts
Jan 25, 2013 3:00 PM
I Wear Pants;1374736 wrote:I won't go to the ATM but I would definitely think about stiffing the waiter and would certainly tell the manager I won't be coming back and why. I'd feel bad about the tip thing but it would probably be even more effective than telling the manager. Because unhappy employees suck to deal with and if you can't keep quality employees since they never get tips your business will suffer.
This. Stiffing the waiter is something I don't normally condone, but if you leave a place unhappy unfortunately the best way is to punish the front end employees and never return.
Jan 25, 2013 3:00pm
G

gut

Senior Member

15,058 posts
Jan 25, 2013 3:01 PM
sleeper;1374746 wrote:If you don't have proper payment, you are legally allowed to leave collateral and go retrieve a method of payment. What do you think happens when you forget your wallet at a restaurant? They don't arrest you on the spot and they don't make you wash dishes in the back either.
And no one is going to bother with that, likely you included, over something that amounts to less than $2. I get your point, it's just not practical.
Jan 25, 2013 3:01pm
G

gut

Senior Member

15,058 posts
Jan 25, 2013 3:03 PM
sleeper;1374748 wrote:This. Stiffing the waiter is something I don't normally condone, but if you leave a place unhappy unfortunately the best way is to punish the front end employees and never return.
The waiter will have his revenge when he sells your credit card info to some scammer.
Jan 25, 2013 3:03pm
G

gut

Senior Member

15,058 posts
Jan 25, 2013 3:05 PM
sleeper;1374747 wrote:Champions will do that for less than that.
LMAO...$0.40-$0.60 on their $20 Bob Evans bill. Not even worth driving to an ATM.
Jan 25, 2013 3:05pm
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pmoney25

Senior Member

1,787 posts
Jan 25, 2013 3:08 PM
This will apply to your bank card if you use it as credit instead of debit. Banks give reward points on their cards when you use them as credit because it cost the banks more to process them as debit. Complete opposite for retailers.
Jan 25, 2013 3:08pm
sleeper's avatar

sleeper

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27,879 posts
Jan 25, 2013 3:14 PM
gut;1374751 wrote:The waiter will have his revenge when he sells your credit card info to some scammer.
Receipts only print the last 4 digits of the card number. The waiter would have to know explicitly that you were going to stiff him before giving you back your credit card. The risk is greater that he would already be a scammer and rip off your credit card BEFORE he knew of your intentions. Plus, credit cards are much easier to fight fraud than anything else. I've never had a problem disputing fraudulent charges.
Jan 25, 2013 3:14pm
sleeper's avatar

sleeper

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27,879 posts
Jan 25, 2013 3:15 PM
gut;1374753 wrote:LMAO...$0.40-$0.60 on their $20 Bob Evans bill. Not even worth driving to an ATM.
Maybe not. WWWBD?
Jan 25, 2013 3:15pm
I

I Wear Pants

Senior Member

16,223 posts
Jan 25, 2013 3:22 PM
sleeper;1374761 wrote:Maybe not. WWWBD?
I thought he was more of a Mcdonalds man (his grandkids like it if I recall) than a Bob Evans guy.
Jan 25, 2013 3:22pm
O-Trap's avatar

O-Trap

Chief Shenanigans Officer

14,994 posts
Jan 25, 2013 5:36 PM
gut;1374751 wrote:The waiter will have his revenge when he sells your credit card info to some scammer.

By the time I stiff him, he's not going to know my credit card info unless he's saving EVERYBODY's.

If a restaurant does this, I will pay it one time. After that, I will find somewhere else to eat.

I don't expect a business to cover the cost internally, but if there are businesses who are willing to do so, I'm certainly going to opt for patronage of those kinds of businesses.

Competition.
Jan 25, 2013 5:36pm
S

sportchampps

Senior Member

7,361 posts
Jan 25, 2013 5:46 PM
Ok so I usually press credit when using my bank card. Now I'm going to have to press debit. End of thread.
Jan 25, 2013 5:46pm
Devils Advocate's avatar

Devils Advocate

Brudda o da bomber

4,539 posts
Jan 25, 2013 6:41 PM
sleeper;1374702 wrote:Most restaurants allow you to review your bill before they've rung you up.
Yes, as long as you have not run a tab.
Jan 25, 2013 6:41pm