[net.consumers] Checks and Credit Card ID

edg@micropro.UUCP (Ed Greenberg) (01/18/86)

Here's a new wrinkle.  We went to a Lane Bryant store (for ladies
clothes) and, when my wife wrote the check, the cashier stamped it on
the back, recorded my wifes drivers licence and credit card and then
asked her to sign the back of the check under the following rubber
stamped text:

	THE CUSTOMER AGREES THAT IN THE EVENT THIS CHECK IS RETURNED
	AS UNCOLLECTABLE, WE MAY CHARGE THE CUSTOMERS VISA, MASTERCARD,
	AMERICAN EXPRESS, OR LANE BRYANT FOR THE AMOUNT OF THIS CHECK 
	AND A SERVICE FEE OF $15.00.

Surprise!  comments?

-- 
Ed Greenberg			| {hplabs,glacier}!well!micropro!edg
MicroPro International Corp.	|  {ucbvax,decwrl}!dual!micropro!edg
San Rafael, California		|       {lll-crg,ptsfa}!micropro!edg

ark@alice.UucP (Andrew Koenig) (01/20/86)

> Here's a new wrinkle.  We went to a Lane Bryant store (for ladies
> clothes) and, when my wife wrote the check, the cashier stamped it on
> the back, recorded my wifes drivers licence and credit card and then
> asked her to sign the back of the check under the following rubber
> stamped text:
>
>	THE CUSTOMER AGREES THAT IN THE EVENT THIS CHECK IS RETURNED
>	AS UNCOLLECTABLE, WE MAY CHARGE THE CUSTOMERS VISA, MASTERCARD,
>	AMERICAN EXPRESS, OR LANE BRYANT FOR THE AMOUNT OF THIS CHECK 
>	AND A SERVICE FEE OF $15.00.
>
> Surprise!  comments?

Real simple.  I take the check back, tear it up, and offer to pay for
the purchase by credit card.  If they decline, I walk out.

Either they'll accept my credit card or they won't.  If they don't,
that is their privilege, but then *I* don't let them take any
advantage of the fact that I have it.  End of discussion.

coller@utah-cs.UUCP (Lee D. Coller) (01/20/86)

In article <220@micropro.UUCP> edg@micropr.UUCP (Ed Greenberg) writes:
>	THE CUSTOMER AGREES THAT IN THE EVENT THIS CHECK IS RETURNED
>	AS UNCOLLECTABLE, WE MAY CHARGE THE CUSTOMERS VISA, MASTERCARD,
>	AMERICAN EXPRESS, OR LANE BRYANT FOR THE AMOUNT OF THIS CHECK 
>	AND A SERVICE FEE OF $15.00.
>
>Surprise!  comments?

What is the problem?  The simple solution is to make sure your checks are
good (e.g., sufficient funds to cover it in the bank when it is written).
-- 
-Lee
UUCP: {ihnp4, seismo, hplabs, decvax}!utah-cs!coller
ARPA: coller@utah-cs
"They say the mark of a good team is that it wins when it plays poorly."
	-- Jim Fassel, Head Football Coach, University of Utah

larry@kitty.UUCP (Larry Lippman) (01/23/86)

> Here's a new wrinkle.  We went to a Lane Bryant store (for ladies
> clothes) and, when my wife wrote the check, the cashier stamped it on
> the back, recorded my wifes drivers licence and credit card and then
> asked her to sign the back of the check under the following rubber
> stamped text:
> 
> 	THE CUSTOMER AGREES THAT IN THE EVENT THIS CHECK IS RETURNED
> 	AS UNCOLLECTABLE, WE MAY CHARGE THE CUSTOMERS VISA, MASTERCARD,
> 	AMERICAN EXPRESS, OR LANE BRYANT FOR THE AMOUNT OF THIS CHECK 
> 	AND A SERVICE FEE OF $15.00.
> 
> Surprise!  comments?

	I think that's clever!  With the rather loose interpretation which
the major credit card companies give to charging methods (i.e., via telephone,
mail order with only a card number, etc.), I would think that this statement
is legally enforceable.
	From a consumer standpoint, no one should get bent out of shape over
the practice unless they intend to write a rubber check to begin with.
	Many stores have a serious rubber check problem, which in most cases
winds up costing them money (for returned deposit item fees, if nothing else).
This needless expense becomes part of their overhead, which gets passed on to
the consumer in higher prices.

==>  Larry Lippman @ Recognition Research Corp., Clarence, New York        <==
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