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363 posts

Ultimate Geek


  # 1005510 14-Mar-2014 12:49
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garbonzai: From Consumer web site->

http://www.consumer.org.nz/reports/credit-cards/credit-card-tips

"Card payment surcharges Consumers who pay by cash are effectively subsidising credit-card users. Stores pay a fee to the credit-card company whenever they accept a credit-card payment, but they charge the same price to all customers regardless of the payment method used. Businesses can now add a surcharge for those paying by credit card. But the surcharge shouldn’t be any higher than what the retailer pays to the credit-card company. And the basic price for a product should be reduced when a retailer introduces a surcharge on credit-card payments."



Oh well, I will enjoy an exercise walk to the post office and pay it there, does make me think less of a company when they do this though.


But handling cash isn't free.

Also, the Post Office charges Vodafone for handling their payments, so maybe they will attach a levy there as well.

828 posts

Ultimate Geek


  # 1005529 14-Mar-2014 12:59
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"And the basic price for a product should be reduced when a retailer introduces a surcharge on credit-card payments." This confuses me (not hard).

When does this ever happen and whats the point? Reducing the basic price would be no different to the retailer taking the 2% hit?

 
 
 
 




262 posts

Ultimate Geek


  # 1005533 14-Mar-2014 13:03
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jfanning:
garbonzai: From Consumer web site->

http://www.consumer.org.nz/reports/credit-cards/credit-card-tips

"Card payment surcharges Consumers who pay by cash are effectively subsidising credit-card users. Stores pay a fee to the credit-card company whenever they accept a credit-card payment, but they charge the same price to all customers regardless of the payment method used. Businesses can now add a surcharge for those paying by credit card. But the surcharge shouldn’t be any higher than what the retailer pays to the credit-card company. And the basic price for a product should be reduced when a retailer introduces a surcharge on credit-card payments."



Oh well, I will enjoy an exercise walk to the post office and pay it there, does make me think less of a company when they do this though.


But handling cash isn't free.

Also, the Post Office charges Vodafone for handling their payments, so maybe they will attach a levy there as well.



Yep, that's why I will pay at post office now!!




Desktop AMD Ryzen 1600/RX-580/24GB Ram/29" UHD monitor, 1 laptop, Galaxy S7, Huawei something, raspberry PI, Sony Android TV plus other gadgets..... and puss (cat)

 

 

 

 

 

 




262 posts

Ultimate Geek


  # 1005536 14-Mar-2014 13:08
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jfanning:
garbonzai: From Consumer web site->

http://www.consumer.org.nz/reports/credit-cards/credit-card-tips

"Card payment surcharges Consumers who pay by cash are effectively subsidising credit-card users. Stores pay a fee to the credit-card company whenever they accept a credit-card payment, but they charge the same price to all customers regardless of the payment method used. Businesses can now add a surcharge for those paying by credit card. But the surcharge shouldn’t be any higher than what the retailer pays to the credit-card company. And the basic price for a product should be reduced when a retailer introduces a surcharge on credit-card payments."



Oh well, I will enjoy an exercise walk to the post office and pay it there, does make me think less of a company when they do this though.


But handling cash isn't free.

Also, the Post Office charges Vodafone for handling their payments, so maybe they will attach a levy there as well.



Yes, I found it confusing too, they can charge what they want for CC fee's as there is no legislation, but then you can loose customers.

Here' s some info I found, about a year old though->

http://www.stuff.co.nz/waikato-times/news/8397528/Retailers-hit-card-users-with-unjustified-fees

 

"The Commerce Commission, the consumer watchdog in New Zealand, has received three complaints about surcharging on debit cards in the last three months. A commission spokeswoman said these complaints are dealt with under the Fair Trading Act, however, there is no real law governing how much a retailer can charge.

 

"There is no regulatory regime in New Zealand that specifically governs credit card transaction fees . . . so the Commerce Commission does not have the regulatory powers to set or limit what a surcharge fee is," she said."




Desktop AMD Ryzen 1600/RX-580/24GB Ram/29" UHD monitor, 1 laptop, Galaxy S7, Huawei something, raspberry PI, Sony Android TV plus other gadgets..... and puss (cat)

 

 

 

 

 

 


332 posts

Ultimate Geek
Inactive user


  # 1005595 14-Mar-2014 13:51
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I was talking to someone this morning and they said there's a "convenience fee" when paying your fines (e.g. speeding tickets) if you pay online.

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  # 1005597 14-Mar-2014 13:54
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Buzz Bumble: I was talking to someone this morning and they said there's a "convenience fee" when paying your fines (e.g. speeding tickets) if you pay online.


That is easily avoided




Mike
Retired IT Manager. 
The views stated in my posts are my personal views and not that of any other organisation.

 

Using empathy takes no energy and can gain so much. Try it.

 

 


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  # 1005666 14-Mar-2014 15:18
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KiwiNZ:
Buzz Bumble: I was talking to someone this morning and they said there's a "convenience fee" when paying your fines (e.g. speeding tickets) if you pay online.


That is easily avoided


If the only other option is POLi (which it often is) then no, it's not easily avoided either.  The 2% fee is better than giving POLi your internet banking credentials.

 
 
 
 


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  # 1005668 14-Mar-2014 15:22
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Kyanar:
KiwiNZ:
Buzz Bumble: I was talking to someone this morning and they said there's a "convenience fee" when paying your fines (e.g. speeding tickets) if you pay online.


That is easily avoided


If the only other option is POLi (which it often is) then no, it's not easily avoided either.  The 2% fee is better than giving POLi your internet banking credentials.


the easier option is don't get fined ;)




Mike
Retired IT Manager. 
The views stated in my posts are my personal views and not that of any other organisation.

 

Using empathy takes no energy and can gain so much. Try it.

 

 


174 posts

Master Geek


  # 1005672 14-Mar-2014 15:27
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Because of my pay frequency I used the credit card card to pay all my bills. A surcharge is definitely something I would take into consideration before using a particular company. It's likely if they had a surcharge I wouldn't use the company

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  # 1005716 14-Mar-2014 16:08
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KiwiNZ:
Kyanar:
KiwiNZ:
Buzz Bumble: I was talking to someone this morning and they said there's a "convenience fee" when paying your fines (e.g. speeding tickets) if you pay online.


That is easily avoided


If the only other option is POLi (which it often is) then no, it's not easily avoided either.  The 2% fee is better than giving POLi your internet banking credentials.


the easier option is don't get fined ;)


Agreed!

30 years of driving I have been fined twice (fixed penalty fine and points from GATSO cameras in the UK) - and never yet in 10 years here.







262 posts

Ultimate Geek


  # 1005807 14-Mar-2014 18:59
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Hmmm, did some shopping today, went to PAKnSAVE, Harvey Norman and Caltex and guess what,

Not one of them charged a "Credit card convenience fee"



Had a bit of a read in Vodafone's "Ways to pay your Vodafone bill", they definitely push Direct Debit,

Also noticed "Late payment fee and missed payments", (which I hope never to do) is $10 for Vodafone customers, but $15 for X TelstraClear customers (if you have a "REF:TCL") in top right of your bill. (yep I'm on cable)

Out of interest, how overdue is late payment, a few days, a week, a fortnight, month, what??, before the late payment are added??


 

 

 


 

 

 


 

 




Desktop AMD Ryzen 1600/RX-580/24GB Ram/29" UHD monitor, 1 laptop, Galaxy S7, Huawei something, raspberry PI, Sony Android TV plus other gadgets..... and puss (cat)

 

 

 

 

 

 


615 posts

Ultimate Geek

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Vodafone NZ

  # 1005809 14-Mar-2014 19:02
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Late payment is anything after the payment date




Channel Manager, Help & Support @ Vodafone NZ




262 posts

Ultimate Geek


  # 1005813 14-Mar-2014 19:08
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MikeHales: Late payment is anything after the payment date


Ok,

A few/6 months ago I was about 5 days late on a payment as bill due date had always been about 15th of Month, but this was due by 7th of month and I did not notice, but never had a late payment fee added.




Desktop AMD Ryzen 1600/RX-580/24GB Ram/29" UHD monitor, 1 laptop, Galaxy S7, Huawei something, raspberry PI, Sony Android TV plus other gadgets..... and puss (cat)

 

 

 

 

 

 


1711 posts

Uber Geek


  # 1005816 14-Mar-2014 19:14
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Buzz Bumble: I was talking to someone this morning and they said there's a "convenience fee" when paying your fines (e.g. speeding tickets) if you pay online.


Don't know about speeding tickets, but they give you a discount for car registrations online, even using cc.

At least it sounds like Vodafone don't charge for recurring cc charges.

8110 posts

Uber Geek

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  # 1005825 14-Mar-2014 19:27
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garbonzai: Hmmm, did some shopping today, went to PAKnSAVE, Harvey Norman and Caltex and guess what,

Not one of them charged a "Credit card convenience fee"



Had a bit of a read in Vodafone's "Ways to pay your Vodafone bill", they definitely push Direct Debit,

Also noticed "Late payment fee and missed payments", (which I hope never to do) is $10 for Vodafone customers, but $15 for X TelstraClear customers (if you have a "REF:TCL") in top right of your bill. (yep I'm on cable)

Out of interest, how overdue is late payment, a few days, a week, a fortnight, month, what??, before the late payment are added??


 
 
 


Been to a hotel recently??  Over the past couple of years they have been charging a CC surcharge  for everything..




Regards,

Old3eyes


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