23 January, 2010
dirty tactics of some small retailers
It is always a good thing to support your local business by shopping at local retailers. However, when it comes to make the payments, some smaller retailers will trick you to pay in a different way than the one you planned originally.
Firstly, at time of payment, if you choose to pay by plastic card, some smaller retailer will ask you out loud “Saving or cheque?” when swiping your credit card through EFTPOS machine. A simply reason they do that is because they prefer you not to pay by credit card as they pay higher fees to precess credit cards. However, as for consumers, most bank accounts comes with limited number of fee-free transactions when using your ATM card (withdraw or using EFTPOS), while purchasing by credit card is usually fee-free.
My advice for shoppers intending to use credit card for purchasing is simple: clear your throat and reply out loud “credit card please”.
Since some time last year, using PIN instead of signing on credit card payment was introduced in Australia. Many shops will ask you “PIN or sign?” these days. However, some retailers will try to trick you to use PIN instead of signing by asking “do you have a PIN?” instead. What's wrong with that? Tricking people to use the PIN.
Some background first: With payment using PIN on credit card, the retailer will not be held responsible for the transaction. In plain words, the retailer is passing the responsibility of the transaction to the consumer by tricking them to use PIN. Further, in Australia, the regulation does not allow retailers to force consumers to use PIN instead of signing.
My advice for shoppers intending to make free rewards points while purchasing is simple: insist on signing, and tell the retailer that by law you are not required to use the PIN for credit card purchase in Australia.
In the unfortunate event of cards being skimmed, if you do not use the PIN, you are safer by default as the skimmer will need to forge your signature as well.
Posted by Antony on 23 January 2010 10:34 PM |
Tags: credit card
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