i want to pay cash


C

caroline

Hi everyone. I am getting pissed off that I can't hardly buy anything with
cash or cheque anymore. I can't see why I should need a credit card to
reserve a hotel room or to hire a car.

Are there any pressure groups that I can join that are campaiging for the
right to be able to buy something without the need for a credit card?
 
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S

Studio

caroline said:
Hi everyone. I am getting pissed off that I can't hardly buy anything
with cash or cheque anymore. I can't see why I should need a credit card
to reserve a hotel room or to hire a car.

Are there any pressure groups that I can join that are campaiging for the
right to be able to buy something without the need for a credit card?
Downing Street Petitions:
http://petitions.pm.gov.uk/new
 
T

Tumbleweed

caroline said:
Hi everyone. I am getting pissed off that I can't hardly buy anything
with cash or cheque anymore. I can't see why I should need a credit card
to reserve a hotel room or to hire a car.

I can, if you run up a huge mini bar and restaurant bill, or run off (well
OK drive off) with the car, they have no come back if you paid in cash -
unless you are willing to leave a large cash deposit every time you check in
or rent a car? And if you paid with cheque it might bounce (and some will),
so thats another cost they have to bear, plus dealing with the security
aspects of holding large amounts of cash deposits.

I bet you are that irritating woman at the checkout who faffs about paying
by cheque and then uses her debit card as a guarantee for it.
 
A

Andy Pandy

caroline said:
Hi everyone. I am getting pissed off that I can't hardly buy anything with
cash or cheque anymore. I can't see why I should need a credit card to
reserve a hotel room or to hire a car.
Because when you hire a car or check into a hotel they put a large
"reserve" on your credit card, in case you damage the car/run up a
huge bar bill/steal the towels etc. They don't usually object to you
settling the bill in cash, but they need the credit card reserve for
this purpose. The alternative would be for you to leave a large cash
deposit equivalent to the reserve they put on your card.
 
T

tim \(not at home\)

Tumbleweed said:
I can, if you run up a huge mini bar and restaurant bill, or run off
(well OK drive off) with the car, they have no come back if you paid in
cash - unless you are willing to leave a large cash deposit every time you
check in or rent a car? And if you paid with cheque it might bounce (and
some will), so thats another cost they have to bear, plus dealing with
the security aspects of holding large amounts of cash deposits.

I bet you are that irritating woman at the checkout who faffs about paying
by cheque and then uses her debit card as a guarantee for it.
I wonder if she's related to the woman they they've just interviewed on R5
who's taking BT to court for charging her extra for not paying by Direct
Debit.

Her excuse "because I don't want to hand my bank details to a company"!

tim
 
M

Matti Lamprhey

Andy Pandy said:
Because when you hire a car or check into a hotel they put a large
"reserve" on your credit card, in case you damage the car/run up a
huge bar bill/steal the towels etc. They don't usually object to you
settling the bill in cash, but they need the credit card reserve for
this purpose. The alternative would be for you to leave a large cash
deposit equivalent to the reserve they put on your card.
And, as we know, it wasn't possible for hotels or car hire firms to
operate before credit cards were invented.

Matti
 
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T

tim \(not at home\)

Matti Lamprhey said:
And, as we know, it wasn't possible for hotels or car hire firms to
operate before credit cards were invented.
As far as car hire firms are concerned, you may well be right.



tim
 
M

Matti Lamprhey

Matti Lamprhey said:
Ah - a youngster!
Actually it's rather interesting.

Credit cards: 1890s (depending on how you define the credit card)
Car Hire: 1916

Matti
 
A

Andy Pandy

Matti Lamprhey said:
And, as we know, it wasn't possible for hotels or car hire firms to
operate before credit cards were invented.
Did you have a point?
 
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K

Kevin Trolley

Hi everyone. I am getting pissed off that I can't hardly buy anything
with cash or cheque anymore. I can't see why I should need a credit
card to reserve a hotel room or to hire a car.

Are there any pressure groups that I can join that are campaiging for
the right to be able to buy something without the need for a credit
card?
I don't have a credit card. A British bank debit card is just as good in
these situations (well a proper one is i.e. Visa Delta rather than
Switch). I have never been refused.

That said if you don't want to give out credit / debit card details then
don't. A hotel might ask that you call the night before or the day you
arrive to make sure you are actually going to show up.

I have also arrived at a hotel where my accommodation and meal was being
paid for by work. They asked for a credit card for "extras" and I just
said there wouldn't be any and that was accepted without further comment.

There's a lot of competition in hotels and car hire. Make it work for you.
 
J

John Burke

tim (not at home) said:
[...]

I wonder if she's related to the woman they they've just interviewed on R5
who's taking BT to court for charging her extra for not paying by Direct
Debit.

Her excuse "because I don't want to hand my bank details to a company"!
Why "excuse" and not "reason"?
 
T

Tim

Because when you hire a car or check into a hotel they
put a large "reserve" on your credit card, in case you
damage the car/run up a huge bar bill/steal the towels etc.
They don't usually object to you settling the bill in cash,
but they need the credit card reserve for this purpose...
But if you haven't authorised a specific transaction, then if
they tried to "draw" on that reserve, you can claim you didn't
authorise it -- the CC co would need to refund. Having a
receipt for (eg) "£0.01" won't help them to claim (eg) £200 !!
 
A

Andy Pandy

Matti Lamprhey said:
Yes - one that's obvious to everyone else, I think.
Car hire firms could operate before the introduction of seat belts.
Now they are a requirement. Hotels could operate before the the
introduction of smoke alarms/fire safety features. Now they are a
requirement. Times change, requirements change. What was your point?
 
T

Tim

Car hire firms could operate before the introduction
of seat belts. Now they are a requirement...
A *legal* requirement, yes.

... Hotels could operate before the the introduction of smoke
alarms/fire safety features. Now they are a requirement.
Another *legal* requirement, yes.

Times change, requirements change...
But it's *not* a legal requirement to take a
credit card when booking a hotel or car hire!

... What was your point?
Perhaps the point is that there's a difference between a (current)
*legal* requirement and a company *policy* "requirement" ?
 
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A

Andy Pandy

Tim said:
A *legal* requirement, yes.


Another *legal* requirement, yes.


But it's *not* a legal requirement to take a
credit card when booking a hotel or car hire!


Perhaps the point is that there's a difference between a (current)
*legal* requirement and a company *policy* "requirement" ?
Legal requirements change, company requirements change, customer
requirements change. So what?

There was once a time before Mr Crapper's wonderful invention when
hotels didn't have flushable toilets. Now most hotel patrons would
regard them as a fundamental requirement, and take their availability
for granted.

In the same way, hotels now often regard a customer credit card swipe
as a fundamental requirement. So what if they didn't in the past?
 
T

Tumbleweed

Matti Lamprhey said:
And, as we know, it wasn't possible for hotels or car hire firms to
operate before credit cards were invented.

Matti

Thats not the point. They *could* operate on cash, just like I could walk 10
miles to work and back again every day, but since they invented the car, I
choose not to, just as they choose not to use cash.
 
T

Tumbleweed

Tim said:
But if you haven't authorised a specific transaction, then if
they tried to "draw" on that reserve, you can claim you didn't
authorise it -- the CC co would need to refund. Having a
receipt for (eg) "£0.01" won't help them to claim (eg) £200 !!
Did you ever read the small print of what you signed when you check in?
 
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A

Andy Pandy

Tumbleweed said:
Did you ever read the small print of what you signed when you check
in?

And car hire T&C's tend to have a condition such as "we reserve the
right to charge the credit card you used for payment with any damage
to the car...". Many people have been caught by this and haven't been
able to get money back *even when* they claim the damage wasn't done
by them.

Some car hire companies will take cash, particularly smaller ones
abroad, and I always try to pay in cash if possible.
 

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