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Gary W
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Buyer beware of additional fees for using a credit card, +5.6% over the tax rate!
Banner Elk Shirt Company的点评
点评：Was in the Banner Elk Shirt company to purchase a gift. Found a long sleeve-T that I thought was reasonably priced. After the purchase and walking to my car, I thought maybe I was charged the wrong price by accident. The shirt was priced @$34.99 but my charges came to $39.92 or +$4.93 to the purchase price. I went back in and asked and was told they charge their customers to use credit/debit cards a stated 3.25%. So, I said okay and left but it did not sound right. The sales tax rate for Banner Elk, NC is 6.75% and I was charged and additional 5.6% on top of the sales tax or 12.35% total. Based on the additional 3.25% stated, where did the other 2.35% go? Now, I know I only bought 1 shirt but if you are a family looking for souvenirs for visiting Banner Elk, Sugar Mountain or Beech Mountain chances are you would buy much more. This is a very nice, well maintained with a lot of selection store, no doubt. BUT, they do not post anywhere of these additional fees added to your payment. Based on the laws in NC, it is mandatory they have this fact posted and note to the customer before close of sale. Furthermore, I paid with a debit card. It's not the amount it was more so when I asked the comment was, no we do not post notification anywhere and you're the first person who has asked!
FYI, for those interested as well as for the owner:
Can NC businesses charge a fee for using a debit card?
If a business is allowed to charge a fee for using a debit card, they must clearly disclose it to customers before completing the transaction. In the United States, businesses are generally prohibited from charging a fee for using a debit card, but in some regions, they may be allowed to charge a small fee, known as a surcharge. Major card issuers, including Visa and Mastercard, expressly forbid surcharging debit card transactions.
FYI, for those interested as well as for the owner:
Can NC businesses charge a fee for using a debit card?
If a business is allowed to charge a fee for using a debit card, they must clearly disclose it to customers before completing the transaction. In the United States, businesses are generally prohibited from charging a fee for using a debit card, but in some regions, they may be allowed to charge a small fee, known as a surcharge. Major card issuers, including Visa and Mastercard, expressly forbid surcharging debit card transactions.
翻译：在 Banner Elk 衬衫公司买礼物。发现了一件我认为价格合理的长袖 T 恤。买完东西走向我的车时，我以为我可能被错误地收了价格。这件衬衫的标价是 34.99 美元，但我被收取的费用是 39.92 美元，即在购买价格上加了 4.93 美元。我回去询问，被告知他们向使用信用卡/借记卡的顾客收取 3.25% 的费用。所以，我说可以然后离开了，但这听起来不对。北卡罗来纳州 Banner Elk 的销售税率是 6.75%，而我在销售税之上还被额外收取了 5.6%，总共 12.35%。根据声明的额外 3.25%，另外的 2.35% 去哪儿了？现在，我知道我只买了一件衬衫，但如果你是一家人正在为参观 Banner Elk、Sugar Mountain 或 Beech Mountain 寻找纪念品，你很可能会买更多。毫无疑问，这是一家非常漂亮、维护良好、商品种类丰富的商店。但是，他们没有在任何地方公布这些额外费用。根据北卡罗来纳州的法律，他们必须在交易结束前公布并告知客户。此外，我用的是借记卡付款。金额与实际金额不符，所以当我询问时，他们的评论是：不，我们没有在任何地方公布通知，而且你是第一个询问的人！
供感兴趣的朋友和店主参考：
北卡罗来纳州的企业可以对使用借记卡收取费用吗？
如果企业被允许对使用借记卡收取费用，他们必须在交易完成前向客户明确披露。在美国，企业通常被禁止对使用借记卡收取费用，但在某些地区，他们可能被允许收取少量费用，称为附加费。包括Visa和Mastercard在内的主要发卡机构明确禁止对借记卡交易收取附加费。
供感兴趣的朋友和店主参考：
北卡罗来纳州的企业可以对使用借记卡收取费用吗？
如果企业被允许对使用借记卡收取费用，他们必须在交易完成前向客户明确披露。在美国，企业通常被禁止对使用借记卡收取费用，但在某些地区，他们可能被允许收取少量费用，称为附加费。包括Visa和Mastercard在内的主要发卡机构明确禁止对借记卡交易收取附加费。
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