Lets make a list of Stores who add Credit Card srucharges after the DTI order.

[SPRINGFIELD_XD_40]

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not really , when you buy computer items in the US there is no surcharge using credit cards

Computer items ? SO be it computer items . Still it existed in the US that it needs to be surcharge on any merchandise other than computers matod pa nimo . Still it is existent .

when you go to a factory outlet in the US with all the discounts.... you don't get surcharges....

Surcharges mean on top of the listed price...

It would cost's more obviously because of the deals and paperwork the BANK and the RETAILER will face . Unlike CASH and DEBIT transactions , it will automatically relay of its approval .

if the shoe sells for 1,500 pesos.... if you use the credit card they will punch in the credit card terminal 1500+ 5% which makes the total amount 1,575.00

Maayo gani UTANG ka ni palit . Then buy a shoe in CASH basis . Maayo gani gipa utang ka , do you even know what is a CREDIT CARD and the function and why it existed ?

so in your credit card statement it 1,575.00 for a shoe that has a price tag of 1,500

That is the billing to cover any expense between the retailer and the card company or bank . Wala unta ka ni kuha ug credit card .

If that is not a FUZZ i don't know what is a FUZZ

Of course its not . Its not new and everyone knew it who has credit cards .


@ RYAN TAMPUS ...

the FUZZ is naay balaud sa diri sa Pinas nga nag dumili sa pag patong ug surcharges on using credit cards. OK ra sa lain nasud if naa silay surcharge kay wla man silay balaod nga nag dumili.

Unsa na balaod ? Are you telling me CITIBANK , HSBC to name a few VIOLATED something ?

Mao nay nka bati diri sa pinas. Nindot kaayong mga balaud... dili mapatuma

Naa pod mga bati na balaod na di matuman so balance ra man bai .

[dagget]

Computer items ? SO be it computer items . Still it existed in the US that it needs to be surcharge on any merchandise other than computers matod pa nimo . Still it is existent .

when you go to a factory outlet in the US with all the discounts.... you don't get surcharges....

It would cost's more obviously because of the deals and paperwork the BANK and the RETAILER will face . Unlike CASH and DEBIT transactions , it will automatically relay of its approval .

Maayo gani UTANG ka ni palit . Then buy a shoe in CASH basis . Maayo gani gipa utang ka , do you even know what is a CREDIT CARD and the function and why it existed ?

That is the billing to cover any expense between the retailer and the card company or bank . Wala unta ka ni kuha ug credit card .

Of course its not . Its not new and everyone knew it who has credit cards .


@ RYAN TAMPUS ...

Unsa na balaod ? Are you telling me CITIBANK , HSBC to name a few VIOLATED something ?

Naa pod mga bati na balaod na di matuman so balance ra man bai .

its not the banks who violate

its the retailers....

Example of the shoes...

at the store is 1,500

but when you pay with credit card they will tell you they will add 5% to the 1,500

so when the paper comes for signing..... its not 1,500 but 1,575.00

so the retailer is charging you more than the listed price...

In the US stores give you a price let say $200 the paper you sign will show $200


in any store in the US i bought goods..... no additional surcharge was done...

if the shoes price is $100 what is written in the credit card slip is $100

be it electronics, shirts etc.....

im not referring here to finance charge, penalty charge.......

[SPRINGFIELD_XD_40]

its not the banks who violate

Ngano dili man na sila man nipa utang nimo ? They are not dumb enough to not find out where you used the credit amount .,

its the retailers....

Did I just mentioned the reason behind the surcharge ? Read more about OPERATING COST and where it applies .

at the store is 1,500

but when you pay with credit card they will tell you they will add 5% to the 1,500

so when the paper comes for signing..... its not 1,500 but 1,575.00

so the retailer is charging you more than the listed price...

They are surcharging you more for the asking price because of the expenses that will cover when using your credit card . CREDIT CARD is not CASH but CREDIT . In short , maayo gani gipa utang ka reklamo pa ka .

In the US stores give you a price let say $200 the paper you sign will show $200

On certain items , there are surcharges but when it says $ 200 you will sign $ 200 pod ? Sayop . Ang angay niom i reklamo is kung naay surcharge ang retailers human when you recieve the bill from the CC company , another surcharge was imposed . Mao na .

in any store in the US i bought goods..... no additional surcharge was done...

Yes but check your billings other than that you paid cash .

if the shoes price is $100 what is written in the credit card slip is $100

Cge ug balik balik lage gahi ug ulo .

be it electronics, shirts etc.....

O lage .

im not referring here to finance charge, penalty charge.......

I am not dumb enough to think you are referring to those when the topic is about surcharges .

ANyways , like you said it is not about the complain and the issues but just a listing of stores who imposes surcharges . ALl I can say , nothging is wrong with it . We may hate it but it has reasons behind it that is justifiable .

[cooldude75ph]

Adding Credit Card Surcharge

1. EMCOR Appliance
2. Asian Home Appliance
3. Sirlitz
4. Memo express
5. Audionet

No credit card surcharge

1. SM appliance
2. First Family Appliance BTC
3. Lacoste Shoes (the one separately owned from Rustan's Lacoste Boutique which primarily sells clothes) and Rustan's own Lacoste boutique.

[dagget]

Ngano dili man na sila man nipa utang nimo ? They are not dumb enough to not find out where you used the credit amount .,

Did I just mentioned the reason behind the surcharge ? Read more about OPERATING COST and where it applies .

They are surcharging you more for the asking price because of the expenses that will cover when using your credit card . CREDIT CARD is not CASH but CREDIT . In short , maayo gani gipa utang ka reklamo pa ka .

On certain items , there are surcharges but when it says $ 200 you will sign $ 200 pod ? Sayop . Ang angay niom i reklamo is kung naay surcharge ang retailers human when you recieve the bill from the CC company , another surcharge was imposed . Mao na .

Yes but check your billings other than that you paid cash .

Cge ug balik balik lage gahi ug ulo .

O lage .

I am not dumb enough to think you are referring to those when the topic is about surcharges .

ANyways , like you said it is not about the complain and the issues but just a listing of stores who imposes surcharges . ALl I can say , nothging is wrong with it . We may hate it but it has reasons behind it that is justifiable .

AGain its NOT the BANKS who are SURCHARGING...

I am not talking about finance surcharges.....

FOR YOUR INFO lang: I don't pile DEBTS in cerdit cards... I PAY the FULL AMOUNT due not the minimum amount due....

So clear up what is your CONTEXT

Its the RETAILERS......

Credit card companies EVEN prohibit retailers from add-ons...

On certain items , there are surcharges but when it says $ 200 you will sign $ 200 pod ? Sayop . Ang angay niom i reklamo is kung naay surcharge ang retailers human when you recieve the bill from the CC company , another surcharge was imposed . Mao na .

PRECISELY.... i am not CONCERN with WHAT THE Banks surcharges me(IF I BORROWED money when I DON'T pay the FULL AMOUNT.... but I PAY the FULL AMOUNT DUE)

This THREAD is for those retailers who accept CREDIT CARD payments and who add surcharges.....

Go to any store in the US.... do they enter in the terminal of the CREDIT CARD more than the amount on the LISTED PRICE.....

Name any store in the US(walmart, BEstbuy, Target, Homedepot, officedepot, staples etc....)

Cge ug balik balik lage gahi ug ulo .

Ako gahi ulo....... Sulay lang palit diri.......

Did I just mentioned the reason behind the surcharge ? Read more about OPERATING COST and where it applies .

I the first PLACE they have a choice to accept Credit CARDS or not....

The TERMinal for the CREDIT CARDS is offered by Credit CARd companies to retail stores...... My classmate who has a retail shop refused the offer of Credit CArd companies and his store accepts only cash....

So if a store agreed the the terms of credit card companies.... in those terms they are prohibited from adding surcharges....

So why didn't they just be a cash only store.....

They are surcharging you more for the asking price because of the expenses that will cover when using your credit card . CREDIT CARD is not CASH but CREDIT . In short , maayo gani gipa utang ka reklamo pa ka .

If ever you plan to have a store.....

and you want to accept credit cards...

LOOK At THE TERMS of the credit card companies...

There is a PROHIBITION in adding surcharges to customers....... ask any people you know

[cooldude75ph]

Kalma lang ta mga bro... Let's just list na lang para at least naa tay ipa-kita sa DTI

[SPRINGFIELD_XD_40]

AGain its NOT the BANKS who are SURCHARGING...

Ikaw ba maghimo gyud ka ug imong storya noh ? Look for it when I said BANKS are asking for SURCHARGES . I never said that , what I said the SURCHARGES the retailers asekd for will cover the TRANSCATIONS made between them and the bank tungod kay GI UTANG na nimo .

I am not talking about finance surcharges.....

me neither

FOR YOUR INFO lang: I don't pile DEBTS in cerdit cards... I PAY the FULL AMOUNT due not the minimum amount due....

thats is not the point , the point is NANGUTANG gihapon ka to purchase something and the SURCHARGE was used for something else dili kay ginansya na siya sa retailer .

So clear up what is your CONTEXT

Its clear , I dont know about yours ... first you are talking about the BANKS FINANCE CHARGES and then MO BAYAD KA UG FULL AMOUNT . Pag clear oi .

Credit card companies EVEN prohibit retailers from add-ons...

Of course , that is FRAUD and OVERCHARGING . Now why would they call it SURCHARGE instead of OVERCHARGE ? Clear na nimo Dagget ??

PRECISELY.... i am not CONCERN with WHAT THE Banks surcharges me(IF I BORROWED money when I DON'T pay the FULL AMOUNT.... but I PAY the FULL AMOUNT DUE)

Its not how much you owe them because thats the BANKS business , we are talking about RETAILERS here so I am clearly speaking of every TRANSACTIONS you made .

This THREAD is for those retailers who accept CREDIT CARD payments and who add surcharges.....

Eactly ! Thats why I said on my last reply to add more list of stores , nothing is wrong with that . Ikaw ni react ka because I explained to you ngano na kurat man mo sa SURCHARGES and why there is a SURCHARGE .

Go to any store in the US.... do they enter in the terminal of the CREDIT CARD more than the amount on the LISTED PRICE.....

YES .

Name any store in the US(walmart, BEstbuy, Target, Homedepot, officedepot, staples etc....)

YES .

Ako gahi ulo....... Sulay lang palit diri.......

Ngano US stores man gipang nganlan nimo unya anha ko niom PASULAYON ? Well I pay cash everytime I am in Cebu mao wala ko nakasuway ana but its a fact that when using CREDIT CARDS there is a SURCHARGE and it is legal and dili na siya panikas .

I the first PLACE they have a choice to accept Credit CARDS or not....

Mao bitaw aron di ka makurat sa surcharge , use CASH . If you dont have CASH , you have to understand na gi UTANG na nimo and for them to process the transcation between the RETAILERS and the BANKS , diha na mo apply . Wala man ka pangwartahi , ikaw pa nangutang reklamo pa ka .

The TERMinal for the CREDIT CARDS is offered by Credit CARd companies to retail stores...... My classmate who has a retail shop refused the offer of Credit CArd companies and his store accepts only cash....

Thats good , he can avoid fraud and any means of ilegal activities involving credit purchases .

So if a store agreed the the terms of credit card companies.... in those terms they are prohibited from adding surcharges....

Who the HECK said that banks PROHIBITS retailers to add surcharges ? Hehehe ...ask ou bank DAGGET and they can explain it better for you kay di man ka mo tuo nako . Palihog lang ayaw ingna ang BANGKO nimo na sa USA lage walay surcharge kay wala nakay batasan ana sa bangko .

So why didn't they just be a cash only store.....

Kay deretso man sa system dayon ang cash . Naka adto naka ug car dealership ? Naa kay awto ? nakapalit ka ug awto thru financing ? The financing and cash basis is totally different figures noh ? Mas cheaper ang CASH .

[dagget]

Aw pag basa sa sa merchant account conditions of VISA and MASTERCARD

The following rules are requirements established and strictly enforced by Visa and MasterCard:

* You cannot establish minimum or maximum amounts as a condition for accepting a card.
* You cannot impose a surcharge or fee for accepting a card.
* You may require the cardmember supply personal information (e.g. home or business phone number, delivery address) for the purposes of delivery only.
* Any tax or shipping and handling must be included in the total transaction amount.
* You may not submit any transaction representing refinance or transfer of existing cardholder obligation deemed uncollectable.

source:

Yahoo payment system

http://bank1.stores.yahoo.net/honoringcards.html

http://bank1.stores.yahoo.net/index.html

This APPLIES to ALL VISA and MASTERCARD Merchants.....

so if they can't accept the terms..... why not remove the sign that says they accept credit cards....

Read first the TERMS and CONDITIONs of the MERCHANT account of VISA and MASTERCARD.... Before you justify:

the SURCHARGES the retailers asekd for will cover the TRANSCATIONS made between them and the bank tungod kay GI UTANG na nimo .


its simple english....

if you don't accept the terms then don't bother accepting cards...

[dagget]

in the first place wa ka na ngutang sa retailer..... na ngutang ko sa bank issued credit card.....

the bank pays the retailer.............

Pag sure oi........

which is which

bank or retailer.....

[SPRINGFIELD_XD_40]

Aw pag basa sa sa merchant account conditions of VISA and MASTERCARD

Its between the BANK and the RETAILER , not the VISA or MASTERCARD .

so if they can't accept the terms..... why not remove the sign that says they accept credit cards....

Kay VISA and MASTERCARD ra ang CREDITCARDS ? How about AMEX and DISCOVER ? That is beside the point , the point is the RETAILERS TRANSACTIONS between the BANK na gi UTANGAN nimo .

Read first the TERMS and CONDITIONs of the MERCHANT account of VISA and MASTERCARD.... Before you justify:

the SURCHARGES the retailers asekd for will cover the TRANSCATIONS made between them and the bank tungod kay GI UTANG na nimo .

MUrag ikaw man wala nakasabot . IT has nothing to do with VISA or MASTERCARD for the NTH time .

its simple english....

if you don't accept the terms then don't bother accepting cards..

Atong binisay-on , adto sa BANGKO nimo human ana gani sila na dili angay mo SURCHARGE ang retailers nimo , isumbong dayon sila kang Kap . Hasta kani PUSTAHAN tani DAGGET ? PIla man ?