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Originally Posted by cyrnel
The banks and merchant service companies have smaller merchants and consumers over a barrel. Don't like the policies? Don't use or accept cards. If you haven't noticed, banking has turned to usury or fee-rape over the last decade. Use a card attached to your assets or you're at their whim.
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This merits further discussion. I once had a problem with my credit card processing company (Nova, headquartered in Memphis, I think). They charged a client inaccurately, and charged me to correct the error. Faxing them the paper trail showing it was their error accomplished nothing. Calling them resulted in, after the usual lengthy waits, essentially a "Fuck you" from them.
I changed banks, and a year later the new bank changed to them.
I'm curious about your last statement, though, since I've repeatedly seen it said that online purchases should never be made with a debit card. The reason is that with a credit card, you can get the charge reversed, whereas with a debit card, the money is gone, and small claims is just about your only option.