Merchants throughout the New York City (and I assume throughout the country) continue to improperly set minimum amounts to consumers who wish to pay with a Visa or Mastercard debit card. I have been refused to make a purchase on a product (or products) because it does not meet the minimum amount needed to use a debit card. The minimum amount varies from store to store. Only problem is that practice is clearly against
Merchants throughout the New York City (and I assume throughout the country) continue to improperly set minimum amounts to consumers who wish to pay with a Visa or Mastercard debit card. I have been refused to make a purchase on a product (or products) because it does not meet the minimum amount needed to use a debit card. The minimum amount varies from store to store. Only problem is that practice is clearly against the rules according to the merchants agreement of both Visa and Mastercard:
Ask Visa - Popular Topics
U.S. retailers may require a minimum purchase amount on credit card transactions. The minimum purchase amount must not exceed $10 and does not apply to transactions made with a debit card.
Q: Can a merchant require a minimum purchase amount to use my MasterCard card?
A: A merchant located in the United States or a region/territory of the U.S. may set a minimum transaction amount for credit cards only. The amount may not exceed $10 (U.S. dollars) and cannot discriminate between issuers or between MasterCard and other acceptance brands. Merchants are not permitted to require a MasterCard cardholder to pay a minimum amount in a Debit MasterCard or MasterCard prepaid card transaction.
If you believe that a merchant inappropriately has requested a minimum charge, you may report this by clicking the following URL and completing a brief online form
Again, it's OK for a merchant to have a minimum purchase amount if a customer wishes to pay with a credit card, but the rules clearly state it cannot be applied to a debit card. I thought this rule was was put into law as per Dodd-Frank and the Durbin Amendment. However, the law is fuzzy as per the debit purchase; However it remains clearly breaches the merchant's contract of Visa and Mastercard.
While the store owners become more arrogant, belligerent and indifferent (with attitudes ranging from "This is the store policy," to "If you don't like it, tough: Go somewhere else.") I fail to see anyone doing anything about this: The N.Y.C. D.C.A.; N.Y. S. Attorney General; To our local, state, or federal public officials (where's Chuck Schumer? Where's Kristen Gillenbrand? Anyone? Anyone? Bueller? Bueller?), the problem is so rampant it's almost like jaywalking - no one cares. Yes: I have sent emails to Sens. Schumer & Gillenbrand and i have received no response. And it's not fair that store owners, who know the rules, then ignore it and then stick to the consumer like me. I went to three stores in my neighborhood in East Flatbush in the past eight days and each one had a some sort of minimum debit purchase requirement ranging from $5 - $10. And not every storeowner has a sign saying as much, either. I don't care if it's five-cent minimum purchase: They should not be having any minimum amounts on a debit card purchase.
Go on hidden camera and go anywhere in the New York City and see how rampant this problem is. Hell: Wire me up - I'll go.
Thank you for your time and any assistance in this matter would be greatly appreciated.
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