i read a book that says we should love ourselves before loving others. so todei i decided to love myself and took myself to a nice place for lunch.

i ordered a plate of spaghetti meatball marinara and a cuppa coffee. i was enjoying my meal and the nice environment. i feel very loved.

then i asked for the bill. It was RM33 and I took out my credit card. The waiter then say "Sorry Sir, we only accept credit card for amount more than RM50"

I terus furious. Cos I only have RM5 in my poket... so I komplen la "why must only RM50? What kind of policy is this..."
blablablablba then the waiter give stupid excuse said is bos decide wan.. then i said "why i go tesco i buy any amount also can use credit card"

In the end... i terpaksa tapao additional cake and coffee to make my bill more than rm50 to use the credit card.

Damn stupid man....waste my money...

trick to increase their sales and it works

kesian

becoz seller is charged by banks whenever a buyer bought something with cc

small shops have to do this to reduce the bank charges

Feel sayang with 17myr but want to show off with credit card..

pakai kredit kad .. tapi simpan RM5

RM33 use cash lah.

tesco buy rm5 can use credit kad?

Coz they need to pay for certain fee is used for less amount from the desire....

lol not all la.some shop u can pay using cc even u only spend less than rm10

STupid giler.

Less than RM50 also wanna pay cc? Takde duit buatlah cara takde duit bai

i think the bank charges are just excuses to set a base limit to use credit card because the charges are by percentage....if we use 10 bucks the charges are 2% and if we use 100 bucks and the charges are still 2% ...it makes no difference between RM10 or RM100

next time eat RM5 meal...

because the merchant cannot wait for your rm33 for 30 days... the logic behind using credit card is u don't have to carry big cash amount..

if u don't even have 50 bucks in wallet then.... i hv no say..

cuz they want to save on interchange fees when u swipe the credit card.

What percentage do credit cards charge the merchant?

Answer:
Typically 2-3% for mastercard and visa.

because tesco doesnt care about that 3%

and other shop care ..so that why usually they wont allow u to swipe CC with less than certain amount of money

unless u tell them u willing to top up 3%

kesian
nak makan pun berhutang

Kesian TS poorfag, but acting richfag.

apa lagi TS mau? tak ada wang, jangan makan luar...

rich people dont use credit card la

they carry a lot cash

abg x de duit pegi la mkn meal 1malaysia di restoran 1 malaysia. ini pakai kad hutang buat apa. jib gorr sudah bantu ni

ya overseas 6 euros also i use card no problem

TS. how much is your monthly income to eat rm 50 for lunch?

debit card oso they want above rm50....bolo

coz u do not know what bank charge is.

ts ditipu

Coz whenever they sell via credit card, they also lose some money due to interest charge by bank between 1-3%

Hence they set the limit, by right its actually not legal but then again this is Malaysia where consumer rights are always not protected.

Btw Guardian/Watson how much amount also they accept card.

depends on what discount package the bank is offering to the merchant...

some banks only offer discounts/rebates/benefits/what not if both sales volume and amount is reached...

so even if they have a transaction, in your e.g. 2% but the volume is not reached, there will be no benefits to the merchant and yet they still need to pay the bank transaction fees... so might as well just tell you don't use your credit card if less than RM50

Ya can. Other places that I know are like Giant, Watsons, Guardian, Starbucks also will accept card for any amount.
But some smaller grocers will only accept card for purchases above RM20.

kesian.. rm10 use credit card...

i dont have RM 33 CASH lah

u no read my first sentence? once a while eat something nice tak boleh kerrrrrrrrrrrrrrrrrrrr

no la.. normally i eat road side makcik nasik campur rm3 saja... todei i feel like want to eat propery. i gaji rm3k+

but by limiting the usage to only RM50 and above, they will have less CC transaction and it would be even harder to reach the volume needed because the sales volume is based on total CC transaction for the whole month....it still doesn't make sense on why they need to limit it to RM50 and above

okla.. 3k+
spend rm50 to pamper urself is good

takde amoi ke?

I like credit/debit card because dun have to carry so much cash in the wallet.

Last time when I was in US, credit card is accepted almost anywhere and any amount. Very convenient indeed.

Used to buy lunch using debit card even the amount is USD5++, because I hate carrying quarter/pennies around (price after silly GST tax).

Oh wait, it only happened when i was at the states.

malaysian business. thanks to malaysian bank charges.

no point la using cc

all the better cos they still prefer cash (not paying any fees at all to the bank) and they cannot remove credit card service in case some people buy in bulk... cos they know they definitely cannot reach the volume...

cash back is addictive

AT least standby RM200 in your wallet.

Credit card is for emergency purpose only/fuel/car repairs/groceries >RM100 etc

no money poorfag should go eat economic rice

should love your pocket before you love yourself

Personally I think TS has no wrong using CC to pay for bill less than rm50, it is the restaurant being wrong for not accepting credit card payment. Is there any bank rules saying that consumer cannot use CC to pay bill less than rm50? In this case, consumer is right.

It's not about having no money to dine or "makan pun mau hutang". It's about me not needing to carry cash around.

I like to use my CC for as many shits as possible. In Giant/Tesco etc even if the things I buy cost less than 20 I still prefer to use CC.

So yeah, those "RM50 below cannot use CC" shits annoy me.

kalau takda duit jangan makan kat restaurant ... makan kat tepi jalan sudah ! waiter tu jalankan tugas saja... u rage kat dia kenapa... rage kat tuake dia lar....

Klu miskin buatlah cara miskin

TS i sappork you. I think it's time for the bank to impose a new law to merchants, no more minimun rm50 only can use CC shits.

5 hingggit jer ade.. gi makan kat mamak sudah lerr

say when u want to use cc at lowyat. all buggers want to charge u extra 2-3%

Kalau takde duit, bukan boleh nak makan tepi jalan pon. Ramli tepi jalan free ke?

but I'm not TS though

No more already

edit !! edit !! Kalau tak banyak duit jangan makan kat restaurant ....

Coz margin low, cannot cover bank charges

rm5 can buy you teh tarik dua gelas and roti canai dua keping still can love yourself lah

It is illegal to do so actually. Just that we consumer don't care and dunno rules so they can cheat us with extra charges. Merchants should bear the bank cost, not consumers.

then if you dont want they say u go buy other shop lar

I think the problem is the merchant not accepting RM50 or less credit card payment, Normally I will shun those shops or supermarket. I think The Store also have that ruling. And worst is duty free shop in KLIA also do not accept card purchase below RM50.00, Third world mentality in a first class Airport.

actually if i not wrong it is not because of the bank charges since what i know is that bank negara also not allow the extra change or set the limit when can used the cc but since to claim the money have period of time so the merchant charge so the time to w8 la.. it like we take the gov job/contract must w8 at least 3 month after work finish then only can claim so the cotract have markup p[rice to cover that..hohho'

its the bodoh mercant, not the bank.

ask first whether there's any minimum amout before planning to use your card. some shops have rm 30 or rm 50 and some don't. u didn't ask so its ur fault

Bodoh kelakar lar, gaji ckp 3k+ tapi cash nk makan pon xde.

I think even secondary school student got more cash in wallet than TS.

Credit card not always laku and sometimes problem, so it is always good idea to keep few hundreds cash in wallet.

There are some dont accept my AMEX and I have to use other credit card. So TS with only 1 credit card and no cash, you are going to have fun time thinking how to pay the bill.

Singapore taxi drivers S$10 also they accept CC

Well TS didnt have such a wrong idea lah.
I hardly use cash in the US.

Makan subway 4 dollar pon swipe.
If only it is like that here

i hate carrrying cash.
I would want to pay for my mcdonalds, and mamak guna card.

Every few days tgk transaction online, easier to control my cashflow.
Key is self control la.

Starbucks - what can you buy that cost around RM5?

oh la like dat.. can collect point hehe.. now buy strepsil can pay credit kad

Croissant RM4.80, chicken toastie RM6.50 before tax.

I meant they accept any amount ma. I don't like to carry cash around and will use CC whenever possible.

Haha. UOB One card will give another 2% unlimited rebate for Watsons, Guardian and Caring.

Wei, zhuo kang la!

Let me snake a bit laaa. Going home soon edi also.

wtf......some places really don't accept credit cards unless purchase above RM30-RM50....have to sucked it in and remain being single

haha so true. especially if the restaurant / shop is small one...
for chain restaurant/shop mostly accept any amount.
some restaurant accept minimum rm20, rm50 before can use credit card..
some shop accept minimum rm100 or rm250 before can use credit card..

so the best way, if you carry rm5 and want to eat fancy lunch / dinner ask the waiter if can use card (mastercard/visa/amex/debit) and the minimum amount they accept. also there is other variable like the machine faulty la, cannot connect la, cannot read chip etc...

next time check the minimum condition for the credit card usage in that restaurant 1st....before dine in there!

It's a sign, tak lama dah tuh nak bankrup

33 ringgit u pun nak hutang guna credit dah...manelah tak haibs

i thought you won a lot of money from MBS?

no $$ la tu

ew, makan oso used cc meh? inb4 ktard earning 20k/m

RM33 with CC got cash rebate and point.
go cashless

I want to critic u but hold back 1st...

1 word of advice...carry at least rm100~200 cash yo..
In case you get robbed you are safe. There are so many cases in my place where the robbers rob ppl but no cash inside then come back and hit 99 the person till enter hospital...

Inb4 isolated case...

+1

if the shop is so small and cannot afford the cc changes for amount below X $ then why sign up to be cc merchant then?
on the other hand if the charge amount is too much to absorb, then add it to the price of your product/service.

putting the "visa/mastercard accepted" sign only to turn around and say we accept for amount above X is totally rubbish. its akin to bait and switch.
only thing worst than this are those PC shops.. yes we accept creditcard but we will charge you extra X% (was it 10%?) total daylight robbery