[net.consumers] Using charge cards as ID for checks

ix21@sdcc6.UUCP (Strokebusters) (09/17/84)

I remember seeing a posting asking that if present a check and use a
credit card as ID, can the merchant charge against the card if the 
check goes bad.

Some time ago I bought an telephone answering machine using a check
and presented my Visa card and drivers license as ID.  I had later
that the machine did not have the features that the store claim it
had and attempted to return it.  They said forget it, and I stopped
payment on the check.  Later they called about the check and I told
them the machine did not have the features in the advertisement and
the manager who I was not able to speak to before agreed to take the
machine back; it was still in its carton and never used.

Then after I returned the machine they charged the purchase to my
credit card handwriting the number from the back of the check onto
the slip and leaving my signature blank.  When I went back to the
store the manager who took the machine back from me was not
available and once again I had tons of runaround.  What I ultimately
had to do was call up my bank and they reversed the credit charge.
So now I am getting called by the store again with the clerks saying
I have a bad credit card.  My advice is to be careful when you use a
card as identification.  By the way the store is a Tandy Radio
Shack, but please don't start another slew of antiRadio Shack
postings.
-- 
----
David Whiteman,
Strokebusters @ Veteran's Administration Medical Center, La Jolla
Dept. of Neurology, School of Medicine,
University of California, San Diego

essachs@ihuxl.UUCP (Ed Sachs) (09/19/84)

<<<<<<<<<<<<<<<<<<<<<<<<<                       >>>>>>>>>>>>>>>>>>>>>>
This experience of having them try to charge your credit card for
the stopped check shows the advantage of using the credit card in
the first place.  When you buy something with a credit card and then
have trouble with the store/mail order house/etc., you can go to the
credit card issuer, and they MUST resolve the problem for you (by
federal law).  This clout has come in handy in the past when
mail order houses did not believe in refunding discounts and
handling charges on merchandise which was lost or damaged in
shipment.
-- 
				Ed Sachs
				AT&T Bell Laboratories
				Naperville, IL
				ihnp4!ihuxl!essachs

lf@cornell.UUCP (Larry Fresinski) (09/21/84)

I believe that there's a condition associated with not paying a
bill on your MasterCard because of a disagreement. My understanding
is that you must have previously been unsuccessful in working out the problem
with the vendor and the vendor MUST be within 100 miles and the charge
must exceed $50 in order to take advantage of this feature.
I've tried not paying a bill of $100 because I returned the item and
was going to be credited in the following month. The bank didn't like me
doing that, however, they did honor my request and I didn't have to pay
any interest on the outstanding balance. So, the rules are bendable.