Do I have to pay credit card fee?

bigadaj

jonesMUFCforever wrote: »

Consider this scenario :

You pay for a holiday and find on your statement that you have been overcharged by £45.

Would you consider a 50% refund acceptable??
No of course you wouldn't.
Pay up and if you think you have a complaint about your holiday or the holiday shop go through the proper channels.

Sadly many people don't check their statements to that degree, and the overcharging shop would be unlikely to offer a refund, whether by accident or intentionally.

callum9999

ahxcjb wrote: »

Sorry, I can't believe some of the 'advice' that has been offered here. Let's take a step back: £45 as a fee for using your credit card? Outrageous and clearly a charge that does not reflect the cost of the transaction.

If the shop has not taken the charge originally, then it is their fault and you should tell them to take a walk. They can't take money from your card, as you could claim it back immediately from your credit card provider as it was an unauthorised transaction - as I did when a restaurant tried this cheeky attempt - not only did they suffer a chargeback, with associated fine that a chargeback involves for the merchant, but I got a free meal for two upon letting HQ know what they had done.

So you were not only forced to book a holiday with First Choice, but you were also held at gun-point by them demanding you pay with a credit card?

If you don't want to pay the fee then you shouldn't have bought the holiday...

I think the major issue of this thread is people are replying based on ethics (i.e. you signed a contract and agreed to pay that fee so you should pay it), whereas the response you want is "you poor thing, you can get away with that if you want, just ignore them".

redpete

ahxcjb wrote: »

Sorry, I can't believe some of the 'advice' that has been offered here. Let's take a step back: £45 as a fee for using your credit card? Outrageous and clearly a charge that does not reflect the cost of the transaction.

If the shop has not taken the charge originally, then it is their fault and you should tell them to take a walk. They can't take money from your card, as you could claim it back immediately from your credit card provider as it was an unauthorised transaction.

The OP didn't consider the charge so outrageous when they were told what it would be when they booked the holiday and continued to pay with the CC. At that point they also authorised the transaction.

leicsmarkyr

ahxcjb wrote: »

Sorry, I can't believe some of the 'advice' that has been offered here. Let's take a step back: £45 as a fee for using your credit card? Outrageous and clearly a charge that does not reflect the cost of the transaction.
.

Not necessarily. It depends on the price of the holiday. If the holiday was £1 and they was charged £45 fee then yes an outrageous price. But if they paid £1500 and charged 3% then no not outrageous.

Looking at firstchoice they charge 2.5% for credit card payments which I would expect to be the charge from their merchant acquirer. So based on the OP paid £1800 for the holiday; I think this is fair.

ahxcjb

redpete wrote: »

The OP didn't consider the charge so outrageous when they were told what it would be when they booked the holiday and continued to pay with the CC. At that point they also authorised the transaction.

I will agree with this. I would have refused to pay the CC fee. Why should I cover the merchants fees when I am purchasing a holiday from them that is going to make them a sizeable amount of profit.

OP: why did you not tell the company to take a running jump over this fee? I would have done.

jonesMUFCforever

I can't believe the vast majority of posters on here!
This is supposed to be a money saving site not lets not pay an authorised agreed charge site.

No good will become of any of you! !

Gromitt

ahxcjb wrote: »

I will agree with this. I would have refused to pay the CC fee. Why should I cover the merchants fees when I am purchasing a holiday from them that is going to make them a sizeable amount of profit.

Why should they give you the holiday at a £45 discount compared to everyone else just because you decided to pay with a credit card? If you don't agree to the fee then pay with a debit card instead.