Could be my last day at work. Hopefully the Baby Jesus can hold me down.

[Wild Cobra]

Hey B2B, just out of curiosity, what kind of financing could you have gotten for this guy? Paying with a credit card (average interest about 15% right?) seems crazy to me---unless he got one of those 12 month no interest type deals.

There are people out there that pay for everything on a card, then pay off the balance every month. He might not be paying any interest.

[mouse]

Being unemployed for the last 10 years I really have no insight or advice on these matters, But I do know when someone should have their own column in the express news newspaper.

[BacktoBasics]

And Viva's company might be doing it as a freight or prep charge, and not as a credit card fee or they don't advertise a "drive out price" like your stupid ass employer does.

Yeah they might be. Only he's too stupid to have read through the thread and see why it was that I couldn't get away with the same.

[mrsmaalox]

There are people out there that pay for everything on a card, then pay off the balance every month. He might not be paying any interest.

Well , if I had the $8000 cash to pay the credit card balance, I would have just paid for the camper in cash and negotiated a cash discount!

[BacktoBasics]

There are people out there that pay for everything on a card, then pay off the balance every month. He might not be paying any interest.

If that's the case then I don't think it was a bad idea but his reason (Lower Card Rate) leads me to think otherwise.

[BacktoBasics]

Well , if I had the $8000 cash to pay the credit card balance, I would have just paid for the camper in cash and negotiated a cash discount!

I see what you did there and I don't approve.

[baseline bum]

Its taking every ounce of everything I got to hold back. I'm smack dab in the middle of working out a construction loan to build my house otherwise I would have exploded by now. Not really sure if I truly have it in me to keep the demons down. Wasn't planning on quitting this job until I closed or shortly after.

Situation.

Saturday I had a guy come in from Houston to pick up and pay for his nice new pop-up camper. Cash buyer. We had the deal in place for the last two weeks and we were just waiting for it to come in since we were out of stock. These prices are preset and not negotiable like everything else on the lot.

He paid with his credit card. In full about 8k dollars. I didn't charge him an extra 3% for using his card because Texas state law on the Attorney General's website clearly states that its illegal to charge extra for using a credit card. I was just informed that since I didn't charge the 3% back to the customer that it would be deducted in full out of my commission. Basically it cuts my take in half. My response was that had this been a regular item I would have just kicked up the price or charged him a dealer prep or freight to cover the expense but since its a fixed advertised price I had no option.

The Law



I don't think I should have to cover this expense.

Sincerely,

Boiling Over

What a ed up law. I hate (as a cash buyer for almost everything from my car to my groceries) having to subsidize the people buying on credit and debit. 3 ing percent is the tribute the credit companies take on our purchases!?! that . I know that cost is being passed directly to me, as every time I go to the grocery store plastic usage is almost ing universal.

[Crookshanks]

I've done payroll and the Texas Employment law says an employer cannot deduct anything from your check, except for federal and state taxes and health insurance premiums, without having your written consent. Even if an employer knew you had stolen from the company, he couldn't deduct any amount from your check without your permission.

Maybe you should contact the Texas Workforce commission - it sure couldn't hurt.

[BacktoBasics]

I've done payroll and the Texas Employment law says an employer cannot deduct anything from your check, except for federal and state taxes and health insurance premiums, without having your written consent. Even if an employer knew you had stolen from the company, he couldn't deduct any amount from your check without your permission.

Maybe you should contact the Texas Workforce commission - it sure couldn't hurt.

Thanks for that bit of info. I'll log it and save it for a later date. I've calmed down enough to just let it go for now. I'm not in the best position to rock the boat since I'm working to get this construction loan going.

[baseline bum]

Maybe your boss is trying to get some money back for the tire you traded for the shrimp.

[ploto]

Seems the owner loses the difference for taking credit cards.

[BacktoBasics]

Seems the owner loses the difference for taking credit cards.

Not sure exactly what you mean but yeah money is still lost regardless of my deduction.

[Bartleby]

3 ing percent is the tribute the credit companies take on our purchases!?! that . I know that cost is being passed directly to me, as every time I go to the grocery store plastic usage is almost ing universal.

As a habit, I pretty much pay everything with credit card out of convenience and as a way to rack up FF miles, but when I go to small mom-and-pop stores (like the local butcher) I try to pay cash because I know they're taking a hit.

[CosmicCowboy]

I had one last week that got my attention. It was a normal business to business transaction and I give this business credit because they have always paid their bills on time. The business owed us about $10,000 and the owners wife called and paid off their balance with her personal "rewards" card which whacks us 3% so the cost us $300 so she could get her ing points. Those points are gonna cost them dearly the next time they need us to do something they can't do.

[byrontx]

From now on the boss needs to hide the charge as a "doc" fee. He is crazy to whack a good salesperson for $240 then tell you have a positive at ude. As someone that directs a salesforce he is not getting much respect from me. What type of work are you going into when the loan is done?

[Wild Cobra]

I've done payroll and the Texas Employment law says an employer cannot deduct anything from your check, except for federal and state taxes and health insurance premiums, without having your written consent. Even if an employer knew you had stolen from the company, he couldn't deduct any amount from your check without your permission.

Maybe you should contact the Texas Workforce commission - it sure couldn't hurt.

This isn't coming out of his check. It's a reduction of what he expected to get in a commission.

[Wild Cobra]

Seems the owner loses the difference for taking credit cards.

Businesses have been paying credit card fees for years. just a nature of the game. In this case, it reduced the profits on the sale.

[Jacob1983]

You should go John Q. on the guy.

[TDMVPDPOY]

could sell him fake insurance on top of it

[BacktoBasics]

From now on the boss needs to hide the charge as a "doc" fee. He is crazy to whack a good salesperson for $240 then tell you have a positive at ude. As someone that directs a salesforce he is not getting much respect from me. What type of work are you going into when the loan is done?

The law only allows DOC fees to be up to but not exceed 50 dollars. The law is actually written on the contract. Which is required by law.

The wife and I own a cleaning/janitorial company. Planning to get water restoration/flood mitigation equipment along with a carpet cleaning van. Which will require a small loan or possibly a series of small loans. I didn't want to carry the debt until after I closed on the house. Its hard enough to buy.

[mouse]

I'm working to get this construction loan going.

Will you post pics of your project as it comes along?

[BacktoBasics]

Will you post pics of your project as it comes along?

Kinda boring and self-indulgent so yeah.