Asking for cashback in supermarket on credit card

YorkshireBoy

Maybe Amex do some sort of debit card, or maybe they only offer cashback on charge cards?

hippey

The retailers terminals officiallly have to be set up for 'cashback', and this is ONLY for debit cards. BUT there is nothing stopping the retailer putting through the sale & cash as one amount. However they are in breach of the agreement they have with the bank and could have the facilities withdrawn.

The transaction does get submitted as seperate entries for authorisation & processing reason but you the customer only every see the one amount (although it will be split on the receipt)

I'm not aware of any retailer having the agreement in place for cash from credit cards and once a CC is inserted into the chip reader the option for cashback will often disappear, or be deleted. Some continental debit cards are also treated as credit card for processing reasons and cashback is unavailable. Other than those authorised to do cash withdrawls already (Banks, money exchanges) it could well be that those who do will charge the cash withdrawl fee and you will be charged as a cash balance.

In the US there is a slightly different system that does get confusing, but in essence it is similar to ours.

stirlingcastle

Going slightly off-track, my wife was asked on Christmas Eve if she wanted cashback (at Morrisons) and she asked for £20. The cashier was talking to her about Christmas and she ended up going out the store without the cash. It wasn't until that night she realised she hadn't been given the cash.
When the store reopened a couple of days later she was told she would have to wait until the tills were cashed up and would be called back. She wasn't called back and had to call them. The manager told her the tills were only £7 up and that she could only have £10 back.

My wife had no alternative but to take the money. Also there was no proof to say she got the money in the first place. I recall having to initialise the receipt the last time I got cashback at a supermarket till. Needless to say we won't be shopping in Morrisons again.

bengal-stripe

stirlingcastle wrote: »

..... on Christmas Eve.....cashier was talking to her about Christmas.....

Good grief - the cashiers at Morrison had time on Christmas Eve to chat to their customers about Christmas
(with nobody in the queue complaining).

Can’t have been busy at all!!!

ICan'tStandIt

stirlingcastle wrote: »

The manager told her the tills were only £7 up and that she could only have £10 back.

My wife had no alternative but to take the money. Also there was no proof to say she got the money in the first place. I recall having to initialise the receipt the last time I got cashback at a supermarket till. Needless to say we won't be shopping in Morrisons again.

I think your wife should go back and complain to the manager.

In other places (certainly Asda) you have to sign your initials next to the cashback amount on your receipt in front of the cashier to say you took your cash. Unless they can prove that your wife signed for the money, insist that you get the other £10.

I'm fairly sure that supermarkets don't "cash-up" their tills down to the last £1 anyway, so they're probably not 100% sure what happened. When I worked on the tills in Sainsbury's when I was a student, I never saw anyone counting all the change and stuff in the tills, as with around 20 check-outs they would never have had time. Every so often I would be asked to take out the majority of the notes, all the cheques and EFT slips (that really does date me!) and they were sent up the shoot in a little blue bag in a plastic tube. I don't think that they ever really new exactly how much was in the till at any one time.

As far as cashback on Amex is concerned, as has been said before, you may get the occasional corner shop or pub that might put the total amount through as a purchase and give the cashback as part of your change, but they're not meant to be doing that.

Amex only really offer credit cards and charge cards and do not offer bank accounts, so they don't offer debit cards.

MoaningMyrtle

All the tills at Sainsburys are counted every morning.

It is up to the customer to remember their cashback too. Surely people don't expect the store to just take their word for it and give the cash if the till is not over and the customer is querying it?

I haven't had to initial for cashback for ages, in Tesco or Sainbury's.

stirlingcastle

MoaningMyrtle wrote: »

All the tills at Sainsburys are counted every morning.

It is up to the customer to remember their cashback too. Surely people don't expect the store to just take their word for it and give the cash if the till is not over and the customer is querying it?

I haven't had to initial for cashback for ages, in Tesco or Sainbury's.

Of course it is and my wife was kicking herself that she hadn't checked she received the money as she is usually very careful about these things. My point is there is no way for either party to confirm or deny that the cash was handed over without e.g. initialising for it. Without such a system any unscrupulous person could take advantage of the situation.

CLAPTON

stirlingcastle wrote: »

Going slightly off-track, my wife was asked on Christmas Eve if she wanted cashback (at Morrisons) and she asked for £20. The cashier was talking to her about Christmas and she ended up going out the store without the cash. It wasn't until that night she realised she hadn't been given the cash.
When the store reopened a couple of days later she was told she would have to wait until the tills were cashed up and would be called back. She wasn't called back and had to call them. The manager told her the tills were only £7 up and that she could only have £10 back.

My wife had no alternative but to take the money. Also there was no proof to say she got the money in the first place. I recall having to initialise the receipt the last time I got cashback at a supermarket till. Needless to say we won't be shopping in Morrisons again.

Morrisons seems pretty reasonable in my view
would you expect more some where else?

NickX

This happened to me in Marks & Spencer once. I wasn't given the £20 cashback and somehow failed to notice.

I went straight back to the shop and explained, they immediately gave me the £20 cashback.

In a busy store, simple mistakes like this can and do happen.

zerocool237

stirlingcastle wrote: »

Going slightly off-track, my wife was asked on Christmas Eve if she wanted cashback (at Morrisons) and she asked for £20. The cashier was talking to her about Christmas and she ended up going out the store without the cash. It wasn't until that night she realised she hadn't been given the cash.
When the store reopened a couple of days later she was told she would have to wait until the tills were cashed up and would be called back. She wasn't called back and had to call them. The manager told her the tills were only £7 up and that she could only have £10 back.

My wife had no alternative but to take the money. Also there was no proof to say she got the money in the first place. I recall having to initialise the receipt the last time I got cashback at a supermarket till. Needless to say we won't be shopping in Morrisons again.

I actually think thats quite poor from Morrisons and there management, i would go back and complain some more. I mean if they were only £7 up then why not just give you £7 instead of £10, the fact that it was only £7 up proves nothing, it still doesnt mean that the till had balanced correctly and that you werent given youre £20 back on the day! on a busy day like Christmas eve and the fact the cashier had already made the error with yourself, to me how do you know she hadnt made other mistakes while she took her time to talk to other customers about Christmas.