[REACT-LIST] There's More!

Ron McCracken ron.mccr at hotmail.com
Sun Jan 18 17:19:34 EST 2015

Someone just advised that there is also a $3.95 activation fee on these wonderful VISA gift cards. 

Imagine the gall. I don't know if the giver or the recipient gets the thrill of paying that one. There goes another 17% in 'fees' on a $25 gift card. VISA is out to get everyone, just as it does with its interest 'fees' of about 20+%. MC will be right in there too. I hope this warning helps save you a lot of money. Blessings 

From: ron.mccr at hotmail.com
To: reactintl at yahoogroups.com; reactcommunications at yahoogroups.com; react-list at lists.reactintl.net
Date: Sun, 18 Jan 2015 15:39:17 -0500
Subject: Re: [REACT-LIST] [REACTINTL] Beware Gift Cards

Whatever the case, beware. 

 Imagine what would happen to any of us if we altered the amount on a bill without full customer authorization. We would quickly be cooling our heels in jail. VISA and other major corporations seem to operate under a 'different' set of laws. VISA allows businesses to add the 20% as much as 24 hr. after you leave. That is outright theft or fraud. 

Radio Shack, and many others, pulled the same stunt with their 'fees'. Fittingly, someone reported lately that RS is about to file for bankruptcy. Not surprising, when you mistreat customers as RS did. It is an insult to the honourable companies that do deal honestly with gift cards. 

The man in the news report had already left a tip at his table. A second tip appeared on his VISA slip. I believe he refused to sign the slip. He also went back and reclaimed his first tip from the table before he left. That is exactly what we all need to do if we catch any business doing it. Be very careful before you sign with VISA or MC, etc. Check your monthly statement closely too, for 'surprise' alterations, and raise the roof when you find them.  

To: reactcommunications at yahoogroups.com; reactintl at yahoogroups.com; react-list at lists.reactintl.net
From: REACTINTL at yahoogroups.com
Date: Sun, 18 Jan 2015 01:36:21 -0500
Subject: Re: [REACTINTL] Beware Gift Cards





Any tip added to the charge is added by the restaurant, not Visa, and 
restaurants do that regardless of whether the card is a gift card or a regular 
charge card.  
But many pre-paid charge cards (which is what gift cards all are) do have 
monthly service charges - with some cards the charges start a fixed time after 
the card is loaded, with others the charges start a time after the first time 
the card is used.  Generally the best thing to do with any "Gift" Card is 
to use the full balance as soon as you can, preferably in a single 


From: mailto:REACTINTL at yahoogroups.com 

Sent: Saturday, January 17, 2015 15:18 PM
To: RI Communications ; RI 
Yahoo ; RI List 
Subject: [REACTINTL] Beware Gift Cards

Did you get a 
VISA gift card from anyone? Beware. It likely has a little built-in 

Use your VISA gift card at many restaurants and it will ding 
you for a 20% tip. You may already have left a tip at your table, or you 
may add one to your cheque. Surprise! VISA will graciously add another 
20% anyway, automatically. That bumps your tip up to 40% or so. 
Not too many of us are tippers in that bracket. 

Look at your bill very 
carefully before and after you sign. News here yesterday reported just 
such a 'sting' by VISA. The restaurant blamed VISA. VISA, of course, blamed the 
restaurant. Either way, you will be the victim so be warned before you 
use it. Don't give any VISA gift cards to friends you value either.

cards are generally a scam. Governments had to intervene to stop the 'fees' that 
quickly made gift cards totally worthless. This latest VISA gimmick amounts to 
another pricey 'fee' to rip off your friend for 20% of what you planned to give 
him/her. MC is likely doing the same. If you use gift cards at all, investigate 
beforehand to ensure that there are NO fees of any kind, that your friend will 
receive the full amount that you have paid out. You may well be stunned. Some 
companies are very honourable; many are not. Get to know the honourable ones; 
shun the crooks.

Cash or a cheque is by far your safest choice. No 
gimmicks, fees, or other cheating with either of those. The person gets exactly 
the amount you intended him/her to get. Blessings





        Posted by: "N4AOF" <n4aof at arrl.net>        

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