Credit & Debit Card Charge

Hold on there Pontyender, but who mentiond every purchase I make because I did'nt. If you want to discuss the £2 charge in relation to having to travel to the bank, travel to the club to buy said ticket and the time factor in relation to carrying out these things then I suggest you compare that to the sum of £2.

 

RE: How is there an extra cost for cash?

Banks have always charged for handling cash because there is a cost to both handling it - ie staff costs - and in processing it, ie carting it around the country - step forward Securicor/Group 4 etc.</p>

Businesses pay for this as part of their overall charges - small businesses at a fixed rate, large ones as part of a negotiated charges package. The more cash you process, the more you can expect to pay for it. Unless a business gets free banking then they will be paying for cash handling as part of their charges package, whether it says so on the tin or not.
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In addition to the handling charge by the bank, if you have large volumes of cash going through your business then you won't be sending Brian from accounts down the road to and from the Bank with it, you'll be employing a courier - again our friends Securicor/Group 4. And they don't work for nowt.
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Or CCV

the club are at fault if there is a fraudulent purchase.

 

I've just read through the thread and i'm a bit confused as to what you're saying Journo (nothing new there then with me really). Does the company that you're working for charge for payments by debit cards such as maestro? Because I can't think of another time that i've ever been charged for using mine.

I think what is annoying people is that BFC seem to use such a strange set of rules with these charges.

No charge when paying with cash even though the vast majority of business accounts will charge them for paying in cash.

A charge with credit cards and debit cards despite the fact that you will be very hard pushed to find another company that charges for debit card payments.

A flat £2 charge for paying by card in the box office for season tickets whether that is an OAP ticket at about £170 or a pair of of full priced tickets at £310 (i think) each. Yet no charge when buying a set of tickets for one match regardless of what you pay with. I've bought 6 match tickets before at £21 a go and wasn't charged £2 for doing so. What's all that about?

No charge for using cards in the club shop even though your purchase can be over £100 quite easily.

I think that even when trying to look at it from the clubs point of view you have to admit that the strange use of these charges shown above don't seem to add up and don't give a very professional image of the club or appear to be customer friendly in any way.

Add that to the fact that the club is putting you at risk of identity theft by failing to use chip and pin and you have to question why anybody would set foot inside the box office with a card in their hand. Is that really the way we should be conducting our business in 2009? It seems more like 1989 to me.

 

I'm talking about credit cards, there is no reason I can think of to justify a debit card charge.

 

Actually that's not quite true

If you mean the free banking at Abbey (now aka Santander). I have my business accounts with them and it's only free for the first £3,000 a month, thereafter it reverts to the fairly standard rate of 50p per £100.

 

RE: The wierd thing is the way its applied

I find it a bit baffling that I can go into Jack Fultons - a local firm and hardly a multi million pound business - and buy £50 worth of freezer shopping and only get charged for the goods I'm buying. Same with countless other small local firms, who all seem to manage to absorb these charges. I then go down to my football club in person and get charged for my season ticket payment, one of my biggest purchases of the year.

I keep my head above water by paying as little as possible for things. I avoid interest and NEVER pay any by moving debts around, use cashback sites as much as possible, research purchases on the internet for the best deals, don't buy branded groceries when the shops own brand is just as good etc, etc. I'm always in that mindset and consequently make my money go a lot further than many. Obviously a lot of people on here don't have the same constraints and concerns but I save hundreds of pounds a year by doing this.

If another retailer was wanting to charge me for using my credit card I wouldn't buy from them. Football clubs know their customers aren't going to do that.

 

i did the same in th local BP/Spar wanted to charge me 50p cos i didnt quite spend a fiver (£4.87). So i told them copy my licence details and said i'll call on the way back after i'd been to Sheffield as I wasn't paying it.

 

Agreed

Although I paid by card and paid the fee this year.

Next year I've a mind to save up in 5ps and watch the petty feckers count it.

Cant see why any fee should apply to debit card transactions, unless of course its attributed to risk due the antiquated and unbelievable lack of chip and pin system. I believe signatures are no longer a legal means of non repudiation.