generulesity : 196

[–] [email protected] 409 points 7 months ago* (last edited 7 months ago) (3 children)

This seems… reasonable..? They’re not telling you not to do this. It’s a safety measure in case 1. You either fat finger the tip screen and don’t realize it or 2. You write a $5 tip on your receipt and the waiter rings it up for $50. It probably triggers after 25 or 30% on a tip. Who cares?

I don’t really get a lot of people on this website. This is just a good faith, consumer friendly security check email and people will still read it and find a way to feel morally superior about it

[–] [email protected] 122 points 7 months ago (4 children)

A friend of mine got fucked by a local pizza place after the waitress changed a tip by adding a comma and a few zeros.

Pizza place refused to refund, credit card company wouldn't cancel the transaction because it was too large. We had to start a social media campaign to shame the place into refunding him. They turned a $15 tip into a $1,500 tip.

So I definitely appreciate stuff like this

[–] [email protected] 72 points 7 months ago

Sounds like they need a new credit card company. Mine wouldn’t even hesitate to cancel the transaction because it’s so obvious at that point.

[–] [email protected] 36 points 7 months ago* (last edited 7 months ago)

What credit card company? That seems like such blatant fraud.

Once my friend put total in place of tips. He was very drunk that day. He went over next day to talk to them and they obviously fixed it. That seems like common sense to me.

[–] [email protected] 21 points 7 months ago

Tip cash.

If there is no mechanism to convey cash, the request for a tip is likely questionable.

[–] [email protected] 34 points 7 months ago (4 children)

I don't understand why credit cards are secured so badly in the states. Here you can't adjust a charge after it has been confirmed (plus you usually have to enter a pin whan swiping the card if the amount is over a certain threshold).

Kind of related: when my family went to the US for vacation and we ate at some restaurant, the waitress came with the bill, my dad said something like "make it $x". When she sait to just write in the tip on the bill and my dad told her that won't work she insisted that thats how it always works (which tbf it probably does for american customers). Sure enough when we checked the card statement later on they just took out the original amount, not the tip writen in.

[–] [email protected] 15 points 7 months ago* (last edited 7 months ago) (1 children)

Huh? There so so many protections with cards. All of my cards can very easily do a charge back and they’ll fight the charge with the retailer, not you. You only use a PIN for debit cards using a debit transaction because it’s a direct transfer, resulting in no card fees, very much the same as cash. No real credit cards have a PIN.

Edit: ah, I see they weren’t talking about American credit cards. My mistake! Interesting to learn that other countries do though.

[–] [email protected] 18 points 7 months ago (1 children)

Only in US. In many (most?) countries, credit cards do have PINs.

[–] [email protected] 4 points 7 months ago

Ah, I misread that as American cards have PINs.

[–] [email protected] 8 points 7 months ago

Server here, usually with restaurant Point of Sale systems the transaction isn't sent to be processed by the financial institution until the ticket is closed out. (Presumably because tipping culture 🙄) I don't blame your server for not putting her tip on there, if you get caught without sufficient ass-covering (having the guest initial the tip field is what I usually did) that's a fireable offence.

[–] lordmauve 5 points 7 months ago

I have always been very confused about whether the tip line on the receipt in the US works with my British cards given that I enter a PIN into a terminal that doesn't show that tip amount.

As of last year I'm pretty sure the tip is deducted from my card, but I don't think that has always been the case. I understand it works based on PIN-authenticated pre-authorisation for a higher amount and they later take your tip+bill from that pre-authorisation.

It doesn't seem very secure but the US always seems behind on card security.

When I first started travelling to the US for work restaurant staff were always extremely confused about why my card needed a PIN. They often tried again and again or said my card wouldn't go through, then worked out that it needed a PIN. Lots of places then had no way to hand you the terminal to enter it, like they would have to push aside mountains of junk to get the terminal out, or invite me round to the other side of the bar because it's literally screwed down.

[–] [email protected] 3 points 7 months ago* (last edited 7 months ago) (1 children)

Not sure why you weren't billed for the tip in your story. Having to write the tip amount down on the tip line of the bill is 100% how it always works in the US. You may have written it on the customer copy of the receipt, perhaps.

[–] [email protected] 1 points 7 months ago

It's because unlike with american cards you have to confirm the transaction on the card reader while it shows you the amount (with either a pin or signature in some cases). After you confirmed it the transaction cannot be changed, i.e. the tip cannot be added. So the american way of tipping does not work with foreign cards.

[–] [email protected] 32 points 7 months ago* (last edited 7 months ago) (1 children)

OP wants to be sucked off for tipping 34%.

Comment section wants to be performative in hopes of also getting sucked off.

Welcome to lemmy.world!

edit: kill me

[–] [email protected] 28 points 7 months ago (2 children)

Welcome to lemmy.world!

Neither the OP, this community, you or the person you are replying to are on lemmy.world.

[–] [email protected] 3 points 7 months ago

Welp, I've brought great shame onto my instance, so I must now commit Japanese ritual suicide. Sayonara, everybody!

[–] [email protected] 2 points 7 months ago (1 children)

I'm on lemmy.world! Who do I suck off? Or do you all suck me? Hell, let's make it a suck fest!

[–] [email protected] 2 points 7 months ago

You can suck me but I'm not sure if that's allowed since I'm also not on Lemmy.world

[–] [email protected] 92 points 7 months ago (1 children)

it’s just making sure an employee didn’t give themselves a big tip without your consent
it’s nice of you to tips that much and that’s on you.
I so disagree with the tip culture. Companies need to pay a living wage without requiring the generosity of customers to survive.

[–] [email protected] 2 points 7 months ago (3 children)

And the bank sends you this "warning" because they're just nice people and love you so, so much. Gee, I feel so warm and fuzzy inside.

[–] [email protected] 19 points 7 months ago (1 children)

Or they send you this because they don’t want you to send complain of fraudulent transactions and have to eat the cost later on… happy now?

[–] [email protected] 1 points 7 months ago* (last edited 7 months ago) (1 children)

~~I'm more inclined to think that it's a dark pattern to shame you into keeping the money in ~~thei...erm~~ your account. You know, where they can use it.~~

~~Because I don't think there would be much room to complain, after the fact, about a price you already agreed to pay, and paid. But yeah, thanks for your answer. 🙂~~

Edit: that was wrong, apparently US banks get more from a customer's funds when the customer spends more, than they do when said customer has money saved up.

[–] [email protected] 11 points 7 months ago (13 children)

Tell me you don’t know how tips work without telling me.

I had a small coffee shop put a 100% tip on my card. Went back the next day and they wouldn’t fix it, so I called the credit company and had it charged back.

Something like this would be very helpful to someone who doesn’t check their statements weekly like I do.

load more comments (13 replies)

[–] [email protected] 16 points 7 months ago (1 children)

It's just a good business practice from them. You are not that clever friend. Your sarcasm and cynicism aren't real arguments, and your extremism doesn't help anyone.

[–] [email protected] 1 points 7 months ago (1 children)

I reckon, I am not "that clever friend" that you clearly miss dearly. Don't worry, you will eventually find them.

[–] [email protected] 11 points 7 months ago (1 children)

You said nothing there.

[–] [email protected] 1 points 7 months ago (1 children)

Ill make it extra clear then. I said that your grammar sucks. Sorry you weren't able to parse that.

[–] [email protected] 10 points 7 months ago* (last edited 7 months ago)

Only an ignorant confuses a missing comma for illiteracy. You're missing an apostrophe btw, and it's "sorry that you weren't". Again, you said nothing there. Sorry that you're not understanding, but i said it because you didn't say anything relevant to the point, just like right now. But yeah, you're not that clever friend either way. You certainly are trying though.

[–] [email protected] 4 points 7 months ago (1 children)

Probably don't want their customers to be defrauded

[–] [email protected] 2 points 7 months ago

By anyone else*

[–] [email protected] 39 points 7 months ago

imagine paying workers fairly so tips aren't needed.

[–] [email protected] 25 points 7 months ago

Were you looking for a pat on the back for tipping 34% or something?

[–] [email protected] 23 points 7 months ago

If you think the staff at CapitalOne are wouldn’t tip then you’re mistaken. They employ mainly poor folk in customer service roles, and we all know us poor folk are more likely to tip.

Anyway, you take issue with them ensuring you’re not robbed?

[+] [email protected] 20 points 7 months ago* (last edited 7 months ago)

[deleted]

[–] [email protected] 14 points 7 months ago

Lotta people saying they're just looking out for you. Curious what the average APR is on a capital one credit card.

[–] [email protected] 4 points 7 months ago

Butcher Block off Brighton near the old Pepsi factory?

[–] [email protected] 4 points 7 months ago* (last edited 7 months ago)

I actually think this is a nice feature, not really sure the argument of like "well Capital One isn't a great company anyway so it's not you they're looking after"

So because they're not a good company means that they shouldn't have good features? So should I not benefit from a feature that the bank/lender gives me?

I'm much happier that they're airing on the side of caution and asking me about it then just ignoring it and having me maybe miss it or find out months down the road. Worst case scenario? I get an extra email that I can ignore.