[REACT-LIST] [REACTINTL] Beware Gift Cards

ChuckTho at aol.com ChuckTho at aol.com
Mon Jan 19 00:31:35 EST 2015


I have researched considerably, but I am completely unable to ascertain  
that "gift cards" is a topic even remotely related to REACT.
 
Chuck 
 
 
In a message dated 18Jan15 2:39:20 P.M. Central Standard Time,  
REACTINTL at yahoogroups.com writes:

 
 
 
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 exa ctly 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  
transaction.
 
 

 
From: mailto:REACTINTL at yahoogroups.com  
Sent: Saturday, January 17, 2015 15:18 PM
To: _RI Communications_ (mailto:reactcommunications at yahoogroups.com)  ; _RI 
Yahoo_ (mailto:reactintl at yahoogroups.com)  ; _RI List_ 
(mailto:react-list at lists.reactintl.net)  
Subject: [REACTINTL] Beware Gift Cards


 



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

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.

Gift 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













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