Can a merchant charge a debit card without my permission?

Answer A debit card payment withdraws funds from the holder's bank account. A merchant cannot legally charge a debit card without the permission of a cardholder. If the card is stolen and used at a store,... Read More »

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Can a merchant charge me more if i use a credit or charge card?

On One Hand: Merchant Cannot Charge MoreEvery time a consumer uses a credit card to make a purchase, the credit card companies charge the merchant an "interchange fee." Some merchants want to pass ... Read More »

How long does a merchant have to charge a credit card after a purchase?

Each credit card company maintains its own rules on how long merchants have to transmit transactions. For example, MasterCard requires merchants to submit transactions within three business days of... Read More »

Is it legal for a merchant to charge a service fee for using a credit card?

Merchants may not charge service fees or surcharges to customers using Mastercard and Visa. American Express does not allow surcharges if the merchant accepts Mastercard or Visa. Laws regarding sur... Read More »

Can a bar or restaurant charge your card for a tip without permission?

On One Hand: Legally, They CannotBars and restaurants can only charge your credit card the amount written on your receipt. If you do not add a tip when signing the receipt, they cannot legally char... Read More »