General Discussion
Related: Editorials & Other Articles, Issue Forums, Alliance Forums, Region ForumsAs cashless stores grow, so does the backlash
NEW YORK Hembert Figueroa just wanted a taco.
So he was surprised to learn the dollar bills in his pocket were no good at Dos Toros Taqueria in Manhattan, one of a small but growing number of establishments across the U.S. where customers can only pay by card or smartphone.
Cash-free stores are generating a backlash among some activists and liberal-leaning policymakers who say the practice discriminates against people like Figueroa, who either lack bank accounts or rely on cash for many transactions.
Figueroa, an ironworker, had to stand to the side, holding his taco, until a sympathetic cashier helped him find another customer willing to pay for his meal with a card in exchange for cash.
I had money and I couldnt pay, he said.
The issue got some high-profile attention last week when retail giant Amazon bowed to pressure from activists and agreed to accept cash at more than 30 cashless stores, including its Amazon Go convenience stores, which have no cashiers, and its book shops. Amazon declined to say when the change would happen.
There is no federal law that requires stores to accept cash, so lawmakers are working on the issue at the state and city level.
https://www.heraldnet.com/business/as-cashless-stores-grow-so-does-the-backlash/?utm_source=DAILY+HERALD&utm_campaign=e847789f04-RSS_EMAIL_CAMPAIGN&utm_medium=email&utm_term=0_d81d073bb4-e847789f04-228635337
TeamPooka
(24,228 posts)lame54
(35,292 posts)Did not realize till I got the bill
Embarrassing
Luckily they let me come back after my shift to pay
I left a healthy tip
TeamPooka
(24,228 posts)is not.
glad they were cool with you that day.
ill bet it happens semi regularly and that most or all people are honest about paying like you did too.
lame54
(35,292 posts)Along with several other signs on the door
I ignored them all
TeamPooka
(24,228 posts)manor321
(3,344 posts)Kaleva
(36,307 posts)for those who don't have a bank account or mostly deal with cash and the cards are accepted by any store that takes regualr credit and debit cards.
I often use such cards when on line shopping to cover my digital footprint.
ret5hd
(20,492 posts)those fees seem pretty steep.
Kaleva
(36,307 posts)Make a lunch at home for work. I get $1194 a month SSDI and I can afford the fees.
He doesn't need to use such a card all the time. Just buy one and have it on hand in case he is short of cash or for situations like this. .
msongs
(67,413 posts)But not mandatory.
MicaelS
(8,747 posts)zipplewrath
(16,646 posts)They haven't accepted cash for a long time. And I bought a car recently and the guy admitted that they try to limit the amount of cash they accept in payment. And the government would love to get rid of all cash because it make it much easier to track money flow. I'm afraid this is just an early sign of a coming reality. That said, it may help bring back the "postal bank" so that everyone will have access to banking services.
MicaelS
(8,747 posts)I forgot about the airlines and the government itself.
TeamPooka
(24,228 posts)zipplewrath
(16,646 posts)I'm not ready for a knee jerk reaction that says all sales have to be allowed in cash. Conversely, we have to recognize that our commercial banking system excludes some of the most vulnerable.
These days there are many places that are "cash resistant". Airlines, auto dealers, real estate, car rental, and hotels are classic examples of businesses that tend to try to avoid cash transactions. But food, medicine, public transportation, gasoline, etc. are probably things that need to require cash options.
Codeine
(25,586 posts)then you havent assumed a debt under normal shopping circumstances. Thats how its been explained to me, at least.
However, in this case since they gave the dude his taco then I would argue he has assumed a debt and should be allowed to pay with cash.
fescuerescue
(4,448 posts)It's arguable that he owed a debt.
The Taco really can't be re-sold ya know.
But seriously who is going to litigate that?
me? I would have be seriously tempted to hand them a $5 or a $10, or lay it on the register and walk off with my taco.
Codeine
(25,586 posts)Heres your money, Im out.
fescuerescue
(4,448 posts)If you OWE the IRS, you can absolutely pay in cash. It's a debt.
If you OWE money to the bank for say a car loan. It's a debt. Pay it in cash if you like.
If you lose a lawsuit and the judge says you owe so-n-so money, It's a debt. Whip out the cash.
If you are standing at the cash register and offering cash in exchange for an item. It's proposed transaction. The store is perfectly within their rights to refuse the transaction. Notice what word wasn't used here? Debt. No debt was created. You don't owe them money and they don't owe you an item.
MyNameGoesHere
(7,638 posts)Yeah that ain't happening with me, so i will continue being cashless.
MicaelS
(8,747 posts)It should have been stopped then. But it is just another case of businesses writing laws.
PoindexterOglethorpe
(25,861 posts)but I'd never go back to one that refused my greenbacks.
The other side of that coin is people who refuse to have credit cards. I'm not talking about the poor who don't have them, but people who want to do things like fly on airplanes and rent cars and hotel rooms. It's probably not as common as it was in the 1970s, but I remember being astonished at those people.
Recently one of my local grocery stores stopped taking Visa cards for groceries because of high fees with that card.
I pay cash for things like groceries.
SoCalDem
(103,856 posts)I am old now and do not plan to finance anything ever agan, so my credit score should be of no consequence to me BUT...
a few years back Discover had their 5% cashback bonus available for groceries, utilities etc..so we decided to take advantage of it and use ONLY Discover for everything..
Fast forward a few weeks, and our credit score went from 822 to 799.. Even though I sent a check every week to Discover (before a billing even happened) so there was no "revolving" about it..
PISSED me off.. No doubt some algorithm said "DANGER..these folks are putting ordinary expenses on a card..they must be having financial problems" and hit the downgrade option..
IT's the only time our rating ever went down so quickly and for no apparent reason..
Kaleva
(36,307 posts)How would the various credit beureu's even know? As you paid your balance off even before the billing cycle, there was nothing for Discover to report.
SoCalDem
(103,856 posts)The ONLY thing different was us using the card at grocery stores...
Sometime before I die, I WILL hit 850.. Stuck at 831..
My problem is that I have "too few" credit cards .. 1 gas card, Discover, Chase Visa, and Sears (for 50 years)...
PoindexterOglethorpe
(25,861 posts)who was obsessed with getting her credit score up very high. According to the article, once your score is very much above 700, a higher score just doesn't matter.
I recently switched to putting various expenses on a credit card that I'd formerly been paying cash for. But I haven't bothered to double check my credit score, mainly because all of the places that claim to give me free credit scores seem to want to know more about me than they need to.
SoCalDem
(103,856 posts)Like I said, my score is of no practical use to me, since I'll never finance anything again..I only ever use Discover to get the cashback bonus..It's nice to order something online and use that to pay for it.. I once had that up over $1k..used it to buy beds when we moved in '16..
PoindexterOglethorpe
(25,861 posts)I apologize for that.
SoCalDem
(103,856 posts)He'd always say "What're you gonna buy?...anything over 720 is okay.."and we also pay for big stuff with a debit card or w/cash..
Thekaspervote
(32,771 posts)Cold War Spook
(1,279 posts)When you get to the cashier you put down sufficient money to pay your bill. Do they call the police? Since you ate it, you now have debt. I would like to see that go to court. All the stores where I live are very happy to see money.
Recursion
(56,582 posts)Don't do that.
Cold War Spook
(1,279 posts)If I don't eat breakfast before we shop, I get hungry. I keep the wraps or bottles of everything I eat and drink and show them to the person at the self-checkout. Been doing it for 18 years and never had a problem. Of course, before the self-checkout, I showed them to the cashier. I then reached around and scanned it myself so they did not have to touch it. Never did it with anything that had to be weighed. Wear your DAV cap around here and it means something.
Codeine
(25,586 posts)at Walmart.
happybird
(4,608 posts)and was very surprised they couldn't take cash.
My very first ride I only had cash and had set up my account earlier that day with a pre-paid visa. It only had $12 on it. I am wary about using my actual bank card for online stuff and figured they just needed a valid card number to set up an account.
The fare was $16. Yikes! Thankfully, the driver did some sort of magic to erase the trip and I gave him nearly twice the fare because I felt so bad. I'm lucky he was a very nice and understanding guy.
But, wtf, man? I deals in cash.
PoindexterOglethorpe
(25,861 posts)wants a credit card only. Recently I acquired a smart phone, and one of the first things I put on it was Uber. Not that I expect to use it often, but a while back a ride abandoned me at a shopping mall, and I wound up begging for a ride from a total stranger. Which worked out okay, but now I'm prepared for abandonment.
njhoneybadger
(3,910 posts)Kaleva
(36,307 posts)Owners were losing business because potential customers didn't have cash on them.
DFW
(54,399 posts)In Sweden nowadays, it has gotten so extreme that many Swedes don't use cash for anything, not even a short taxi ride or a cup of coffee at the local café. In some parts of Europe, they want to reduce cash transactions and eliminate high denomination banknotes "to combat money laundering." That is total hogwash. Money laundering is done these days with laptops in offices by guys in suits and ties,not in 500 bills. Low level laundering of drug cash by local orgcrime is done by video game parlors and taxi companies. They just report a few hundred thousand more every week than they have actually done in real business, deposit the wads of small bills in their local bank, pay their taxes like good citizens, and the rest is, presto! clean.
What we hate is that Big Brother is keeping a record of every credit card or debit card transaction you make. They can follow your expenditures, note your habits, your nutritional needs, your medical history, your tastes, your whereabouts, basically map out your life. If someone with access to your info finds it interesting enough, they can pass it on to either organized crime or nosy government agencies if they're bored. A government in financial straits can decide it needs a bit more of your money for any reason, real or imagined, and do just what they already did in Cyprus, and arbitrarily take a percentage of what you have--or all of it if they see fit, and you can't do a damned thing about it. Government corruption bankrupted the place? No sweat, we'll just take the top 20% off every bank account in the country! Or 50%. Or 90%. Whaddya gonna do about it? The Finance Minister needs a new limousine and a highly-paid armed goon to drive it, so shaddup.
In the USA, department stores ask me my zip code when I pay cash. I tell them 40878. I have no idea where that is in the USA (midwest somewhere?), but it is my zip code--in Germany. You wanna know what socks I bought, how many, when and where? Ask my wife. The computer at Visa won't be able to tell you, and I prefer it that way. Your store won't take cash? Fine, I'll find one that will.