(Closed) unexpected expense: credit card fee

posted 5 years ago in Money
Post # 2
Member
1409 posts
Bumble bee
  • Wedding: September 2015

Yes some vendors charge a “convenience fee” for using credit cards.  I just write them a check.  Fandango does this as well for movie tickets purchased online.

Post # 3
Member
2979 posts
Sugar bee
  • Wedding: September 2017

Credit card companies charge those companies fees, so they are usually just passing that along. You can offer payment via cheque or e-transfer instead.

Post # 4
Member
7949 posts
Bumble Beekeeper
  • Wedding: October 2013

yes, small businesses usually pass that fee onto their customers, where large businesses absorb that cost.  when i see there are fees, i usually pay by check instead.

Post # 5
Member
2015 posts
Buzzing bee

View original reply
Jackie Vasquez :  I’m starting to see it a lot of places. My church charges them for weddings. Several places near me offer a 3% discount on the purchase price for paying in cash/check.

Is it possible for you to pay via ACH or check instead at those places?

Post # 6
Member
9918 posts
Buzzing Beekeeper
  • Wedding: November 1999

Yep, it’s pretty common for small businesses (not wedding specific) to pass the fee on to their customers.  We’ve worked with home improvement contractors that do it.  Just write them a check and avoid the fee.

Post # 8
Member
9205 posts
Buzzing Beekeeper

View original reply
Jackie Vasquez :  a few vendors did and in those cases we just wrote a check instead. The 3% is more than the 1% cash back I would have gotten from charging it.

Post # 9
Member
521 posts
Busy bee
  • Wedding: December 2017 - Lake Louise Canada

Just to throw this out there – if the bill is small, using a credit card comes with some insurance benefits. If a vendor turns out to be a fraud, your CC company has a massive fund to protect you and nearly immediately refund you, say, if the person never showed up. 3% on a big hotel venue that isn’t going anywhere would never be worth it, but a destination florist you ordered online and never met in person? Maybe worth the $10 to use a CC. Your chequing account could take weeks to get your $ back or refuse, requiring you to sue instead. 

Post # 11
Member
4835 posts
Honey bee
  • Wedding: April 2013

View original reply
Jackie Vasquez :  It’s definetly not worthin paying 3% cash to get the points/miles.  It could be worthwhile if it’s an expense that saves you from having to buy insurnace though (if you card has good insurance).  Just write a check if they have this fee.

Post # 12
Member
1253 posts
Bumble bee

View original reply
cbgg :  that’s not entirely correct. If you’re well versed in attaining and maximizing your airline miles the 3% is a no brainer. But I realize not everyone is a frequent enough traveler/point aficionado for it to be worth it- but it can be!!

Post # 13
Member
378 posts
Helper bee
  • Wedding: September 2017

I’ve also heard that many credit card companies have clauses with the sellers saying that they are NOT allowed to impose a credit card fee on consumers – you can call your credit card company and find out if they have a clause like that and if they do, they can threaten to stop allowing that venue to collect payments from that card company if they don’t stop that practice.

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