Strike Back! Report merchants for requiring a minimum purchase when you pay with your debit card!

We’ve all been there.  You need milk, bread, or maybe even just a drink.  You stop at a convenience store, stand in line, and when it’s your turn to pay, they won’t accept your debit card unless you spend $10 (or some other arbitrary amt. of money).

Beware that merchants (convenience stores, shops, etc.) *CAN* impose up to a $10.00 minimum for credit card transactions, but they *CANNOT* for debit cards.  You could use your debit card to pay for a single piece of penny candy if you so desired. Though, good luck finding penny candy anymore :)

Most debit cards can also be used as credit cards, but this doesn’t matter.  As long as you can use your card as debit, and enter a PIN for the transactions merchants cannot refuse to accept it for any purchase amount.

What can you do?

Strike back!  VISA has a form on their site to report merchants that impose minimums for debit transactions.  Even if your debit card is issued through another provider like MasterCard, you can *still* use the form on VISA’s site, as long as the merchant accepts VISA.

Here’s the link:

https://usa.visa.com/checkoutfees/contact.jsp

Tell your family, tell your friends.  Unless consumers report these merchants, their policies will never change.

I for one am TIRED of getting denied at checkout when all I want to do is pickup milk, and get home.

Want more info?

Here’s the bill that makes this federal law.  Page 698 has the relevant info:

http://www.gpo.gov/fdsys/pkg/BILLS-111hr4173enr/pdf/BILLS-111hr4173enr.pdf

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