• Korhaka@sopuli.xyz
    link
    fedilink
    English
    arrow-up
    2
    arrow-down
    3
    ·
    10 days ago

    Oh I have heard some card providers charge more. Like American express which I often see isn’t accepted in quite a few places. Why would I want a card I can’t even use because lots of places won’t accept the extra fees?

    • partial_accumen@lemmy.world
      link
      fedilink
      arrow-up
      3
      ·
      10 days ago

      Why would I want a card I can’t even use because lots of places won’t accept the extra fees?

      American Express has a history of better protection for its cardholders in transaction disputes.

      Amex also has much higher standards for which merchants it will allow to accept its card as payment. Lots of legally questionable service don’t accept Amex because Amex won’t do business with payment processors that are sketchy or have a history of bad behavior (law bending or breaking) in the payment processing space. Visa and Mastercard are carried by banks directly so if you are a merchant with bad behavior you can nearly always find a sketchy bank to process your sketchy credit card transactions under Visa or Mastercard.

      • Korhaka@sopuli.xyz
        link
        fedilink
        English
        arrow-up
        1
        arrow-down
        1
        ·
        10 days ago

        Protections don’t work if you can’t even use it. It’s hardly crack dens either, a lot of pubs, restaurants, independent shops and takeaways I have been to have signs saying they won’t accept it.

        • partial_accumen@lemmy.world
          link
          fedilink
          arrow-up
          2
          ·
          10 days ago

          The context of the protections I’m talking about aren’t targeting food and drinks. I’m not worried about having to ask for a chargeback on a candy bar purchase at a corner store.

          It’s hardly crack dens either

          Lots of online sellers are not far off from the equal legitimacy of a crack den.

          If I’m at a merchant and I’m concerned about their charging practices doesn’t accept the card, I can choose to not do business with that merchant. This is more applicable to online retail sales or perhaps travel/accommodations.