Would you be OK with a business giving you a store credit instead of cash back when you make a purchase?
480774
No that irratates me. If I pay cash, and i was not happy with the item, I would expect cash back. What if the store doesnt have anything else I like, then they basically get to keep the crappy item and my money. Cash back or i dont shop in the first place.
952031
Absolutely! It costs them money to accept your card. Also the fees change depending on if the charge is rung up as debit or credit. A local store owner explained to me that for sales below about $20 US, the debit card had a smaller fee. Sales greater than that and the credit charge costs less. \n\nI think we should work with businesses to help them keep costs down for processing plastic transactions because ultimately those extra fees are added into  the cost of the product. We will pay for it one way or another.
448712
A good rule of thumb is that if your furniture is going to help you earn more money over the period of the loan than the interest you pay, then it's a good idea to use credit.  \n\nSay you're starting an accounting service.  Your clients need a place to sit while meeting with you, but you don't yet have the funds to puchase furniture outright.  Without that furniture, the business will flop.  In that case it would be wise to use credit, since you're expecting the business to produce far more than the interest payment on the furniture.\n\nIf the furniture is just for your personal pleasure, you still need to calculate how much it's going to cost over the long term.  Then decide if your immediate gratification - and the loss of whatever you could have bought with that interest money - are worth paying that much for some furniture.\n\nIf you want a certain piece of furniture and you expect the price to skyrocket before you can save up enough to buy it, then a loan would offer some middle ground.  More expensive than if you had the cash today, but less expensive than if you saved up and bought it outright.  This fits in the first scenario above because you could then actually sell it and earn money above and beyond the interest.\n\nAnd one last thing I almost forgot to mention.  If you're looking at a specific SET of furniture, there is usually a big discount for buying the whole set vs. piece-by-piece.  Check the numbers, and the loan+interest might actually be cheaper than buying it piece-by-piece over time.  PLUS you get the immediate gratification and you don't have to worry about one piece going out of stock.
871698
Your friend is not commiting an offence at all. Shops are not obligated to accept all of the coupouns but most will especially if they sell that product. At the end of the day it depends on what shop your friend goes into and whether the manager takes them. If you know the owner then maybe they will take the whole lot as payment.
558659
No because it is hurting someone. It is hurting the store especially if it is done on a repeated basis. And that in turn hurts the customers who have to pay more in that store.
895744
The more available credit you have vs. the amount you owe actually helps you.\n\nMost mortgage companies/banks look at your visa/mc/discover/american express and not your store cards.\n\nI would close the store cards, and keep the rest, just don't use them.\n\nAnd you never know when you might need them and not be able to get them back.
859551
If it's a dispute, Yes.\n\nIf you've been billed for something you did not buy, you can dispute it.\n\nThen, there's a small procedure to ensure you're right, but then,  you don't need to pay.\n\nHowever, if you don't have any grounds, it's a cognisable offense that you don't pay.\n\nIf you're having financial problems, the Credit Card Companies and your Bankers will be glad to help and I suggest that you take it.\n\nHave a nice day.
319289
Have not really thought about it. For some reason in my area, Walmart does not seem to be offering the products I want at better prices than what I can get elsewhere. When I visit friends and family in the midwest it seem the Walmart there seem have better offers.\n\nAs far as the services they offer I have not taken advance of their credit or banking service.
42162
Yes i do. People should not just shop at 1 store they should shop around a variety of stores including small businesses.
63157
yes, but that's only true with some companies and, usually, it's the customer's fault that they get bad credit and stuff.
1037029
I believe that Those business have high egos, and wishing eagerly to take much money out of your pocket, I am also a business owner, but I don't think that the people who comes to my business should have to pay anything extreme. It is not right for business owners to have to lie, those who lie in their business do not have JESUS in their business! That is great of you to not sue the people who sold you that product. I once bought a product like that and it costed me some good money. The bad thing about it is that they did not explain everything to me, nor give me some instruction on how to use it. But oh well, I am going to try what you did, Not Sue the theives.
876995
How about buying the product instead of stealing it?
1070480
That isn't going to be easy.  Most places do a credit check.  There are ways with good credit to buy with no money down.  An individual might sell you real estate that way, but it isn't a wise way to do business.
999699
Credit definitely. Just pay it off in full every month so it is just like cash then. I notoriously lose my purse and cash is gone and a thief does way more damage with the debit then credit. I'd like to know what they do with my makeup?
872534
a credit is a credit get turbo tax but I don't think its a problem
1038640
an immediate discount is always better than a rebate.\nsome merchants try to "cheat" by taking their time in giving a rebate...or "forget" to and leaving the responsibility to the individual to make a claim for the rebate.\n\nthat's outright ridiculous and borders on fraud!\n\nthe worse thing is (e.g. in Sg) merchants try to shave their responsibility by claiming certain discounts are not valid.\nsometimes its just untrained staff...or staff with the "old school" mindset.\ndiscounts are discounts. why bother to limit them.\n\nSg's retail/service industry sucks!
840769
Correspond directly with the major labels.  Talk to their sales division.  They probably won't set you up with an account to carry you on credit to start with.  You'll need to pay up-front and meet minimums in terms of volume.