Melissa Schooley on mon 26 may 08
With all the talk of credit cards, right now's a fine time to ask...
I did a show this weekend and got a bad card. I use a knucklebuster and don't usually get a chance to call in the cards until after the customer has left. I have only once received a bad card and was able to track the customer down to get her to use another one. This time however, I couldn't catch up with the guy. What can I do to get paid? Do I just keep trying the card until it finally goes through? the guy's bound to pay his visa bill sooner or later right? Or should I phone visa's merchant services and just talk to them? Any thoughts?
How have others handled this situation?
In retrospect, I should have been more cautious. (ah, hindsight...)
When he first came into my booth he came right over to my cash area where my knucklebuster was in plain view, then he very quickly made a choice (a $60 bowl) and booked it pretty quick when I gave him his receipt. I guess I'll keep that thing hidden from now on...
any help/advice is greatly appreciated,
thanks,
Melissa
Melissa Schooley
Raging Bowl Pottery
www.ragingbowlpottery.com
Michael Wendt on tue 27 may 08
Melissa,
At least call the card company. He may have
used a card that was closed by mistake. Or was
the card expired?
My credit card service provider agreement says
that I am responsible to check the ID of any
card user I swipe.
If you are at a show and cannot log on to the
system, ask for a drivers license, copy down
the full ID data of the person and if you have a
digital camera, take a face shot. The face photo
is used around here a few weeks before college
lets out because so many students skip on bad
checks since they don't plan to come back.
I have had no success trying to get data from
the credit card issuers for bad numbers so
I suspect you are out of luck.
Regards,
Michael Wendt
Wendt Pottery
2729 Clearwater Ave.
Lewiston, Id 83501
U.S.A.
208-746-3724
wendtpot@lewiston.com
http://www.wendtpottery.com
http://UniquePorcelainDesigns.com
Melissa wrote:
With all the talk of credit cards, right now's a fine
time to ask...
I did a show this weekend and got a bad card. I use a
knucklebuster and don't usually get a chance to call in
the cards until after the customer has left. I have
only once received a bad card and was able to track the
customer down to get her to use another one. This time
however, I couldn't catch up with the guy. What can I
do to get paid? Do I just keep trying the card until it
finally goes through? the guy's bound to pay his visa
bill sooner or later right? Or should I phone visa's
merchant services and just talk to them? Any thoughts?
How have others handled this situation?
In retrospect, I should have been more cautious. (ah,
hindsight...)
When he first came into my booth he came right over to
my cash area where my knucklebuster was in plain view,
then he very quickly made a choice (a $60 bowl) and
booked it pretty quick when I gave him his receipt. I
guess I'll keep tha! t thing hidden from now on...
any help/advice is greatly appreciated,
thanks,
Melissa
KATHI LESUEUR on tue 27 may 08
On May 27, 2008, at 9:38 AM, Michael Wendt wrote:
> Melissa,
> At least call the card company. He may have
> used a card that was closed by mistake. Or was
> the card expired?
> My credit card service provider agreement says
> that I am responsible to check the ID of any
> card user I swipe.>>
As this shows, there is just as much risk in taking credit cards as
having someone send you a check. Both are a contract to pay. Mine has
the name, address, phone number, and the signature of the person
sending the check. When I was taking cards many states had laws
against asking for such information. Collecting on a bad charge was
impossible. The only way to always know that the charge is good is to
buy the equipment that verifies it when you are swiping the card.
Kathi
>
Steve Slatin on tue 27 may 08
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Kathi -- even a 'verified' swipe can be contested,
and the CC company won't give you the money
during the period of challenge.
A PayPal collection can be challenged also, and,
in some cases, reversed. (Then PayPal takes
the money directly back from the account they
put it in.)
Cash is nice, but if you take a counterfeit bill,
it's worth nothing (and the Secret Service has
the legal authority to take it away from you if
they think they might need it for a prosecution,
so you don't even get a souvenir for your pains).
Whatever level of risk and comfort work for
you are right for you. Anything else is wrong.
Steve Slatin
--- On Tue, 5/27/08, KATHI LESUEUR <kathi@LESUEURCLAYWORK.COM> wrote:
From: KATHI LESUEUR <kathi@LESUEURCLAYWORK.COM>
Subject: Re: bad credit cards
To: CLAYART@LSV.CERAMICS.ORG
Date: Tuesday, May 27, 2008, 8:08 AM
On May 27, 2008, at 9:38 AM, Michael Wendt wrote:
As this shows, there is just as much risk in taking credit cards as
having someone send you a check. Both are a contract to pay. Mine has
the name, address, phone number, and the signature of the person
sending the check. When I was taking cards many states had laws
against asking for such information. Collecting on a bad charge was
impossible. The only way to always know that the charge is good is to
buy the equipment that verifies it when you are swiping the card.
Kathi
>
--0-1230223906-1211906626=:65480
Content-Type: text/html; charset=us-ascii
Kathi -- even a 'verified' swipe can be contested,
and the CC company won't give you the money
during the period of challenge.
A PayPal collection can be challenged also, and,
in some cases, reversed. (Then PayPal takes
the money directly back from the account they
put it in.)
Cash is nice, but if you take a counterfeit bill,
it's worth nothing (and the Secret Service has
the legal authority to take it away from you if
they think they might need it for a prosecution,
so you don't even get a souvenir for your pains).
Whatever level of risk and comfort work for
you are right for you. Anything else is wrong.
Steve Slatin
--- On Tue, 5/27/08, KATHI LESUEUR <kathi@LESUEURCLAYWORK.COM> wrote:
From: KATHI LESUEUR <kathi@LESUEURCLAYWORK.COM>
Subject: Re: bad credit cards
To: CLAYART@LSV.CERAMICS.ORG
Date: Tuesday, May 27, 2008, 8:08 AM
On May 27, 2008, at 9:38 AM, Michael Wendt wrote:
As this shows, there is just as much risk in taking credit cards as
having someone send you a check. Both are a contract to pay. Mine has
the name, address, phone number, and the signature of the person
sending the check. When I was taking cards many states had laws
against asking for such information. Collecting on a bad charge was
impossible. The only way to always know that the charge is good is to
buy the equipment that verifies it when you are swiping the card.
Kathi
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