Post # 1
are credit card fees the norm? I’ve been getting proposals and ready to sign and then I see the additional 3-4% credit card fee added to the bill.
It may not seem like much at first, that’s probably another for wedding bill $500+ just to use credit card. maybe its a CA thing-but I’m starting to think I need $1500+ for “unexpected expenses”! UGH
Post # 2
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
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
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
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
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 # 7
fees at a church?! wow!
yeah, paying cash/check/venmo may be the way to go when possible. I guess it’s time to do math and figure out what’s best use, because I loved being able to use credit card and reap in the reward miles (honeymoon flight with rewards!) but now there’s a 3% fee on top of the credit card fee.
might not be worth charging for the air miles. THANKS ALL!
Post # 8
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
- 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 # 10
Excellent! I hadn’t thought of that. It’s a good way to help prioritize which vendors to charge and which to pay with cash (when possible), because I certainly won’t be able to pay our wedding day completely in cash. EEK!
Post # 11
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
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
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.
Post # 14
true! Fiance and I recently traveled to Europe and flew business/first class BOGO with points and cash, and 5 nights free with hotel points. We’re flying to DR next month, free using our credit (gave up seats at airport) and using hotel points, , and booking Australia honeymoon flight with points. There’s definitely benefits which is why I’m trying to figure out which one is most advantageous.
Charging smaller vendors is definitely be worth it, for extra protection. At this point I’ll just be happy if our caterer won’t charge since it’s 60% of our budget.
ive also just run into vendors who I want to book but will not take credit at all so that’s gotta be figured in as well. Ugh!