This column was contributed by a association member.
Dear Customer Ed:
I went to a administration abundance to acquirement some merchandise. The absolute came to $318. I gave the accountant my acclaim agenda and was told that back a acclaim agenda acquirement exceeds $250, the abundance needs to accomplish a archetype of the acclaim agenda and accumulate it on book for two weeks. I banned to acquiesce them to archetype my agenda and asked to allege to a administrator about the acumen for defective to archetype my card. The administrator artlessly told me that it was the abundance policy. To abstain accepting them accumulate a archetype of my card, I breach the acquirement into two abstracted transactions. But I’m wondering, is it acknowledged for a abundance to accept such a policy?
Consumer Ed says:
There is not a Georgia or Federal law that accurately states that a business cannot archetype your acclaim agenda admonition back you are purchasing commodity over a assertive bulk with a acclaim card. Generally, merchants are accustomed to actualize their own abundance behavior apropos agreement of acquirement and agreement for abiding merchandise, including what admonition you may be asked to accord them in adjustment to complete a transaction or accomplish a return.
There are some limitations to the admonition that businesses can aggregate back you pay for commodity by debit or acclaim card. A business may not crave you to accord your blast cardinal back you accomplish a acquirement by acclaim card. Furthermore, merchants cannot book your card’s cessation date or added than bristles digits of your acclaim annual cardinal on your receipt.
While merchants are chargeless to appeal information, ultimately the accommodation to do business with a merchant is absolutely up to you as the customer. If you do not feel defended administration your claimed admonition with a accurate merchant, you can consistently accept to say no, as you did.
Businesses that are begin to be in abuse of acclaim agenda laws are accountable to fines. If you accept a complaint involving a abuse of Georgia’s merchant acclaim agenda laws again you should acquaintance the Georgia Administration of Law’s Customer Protection Division at www.consumer.ga.gov or by calling 404-651-8600.
Consumer Ed is brought to you by the Georgia Administration of Law’s Customer Protection Unit. Go to ConsumerEd.georgia.gov to abide your catechism and apprehend added customer tips. Remember…we do not accord acknowledged advice. Consistently argue a advocate about acknowledged issues.
Thanks for your feedback.
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