Cash leaves you no recourse. Customer says, mechanic says. I do all my own work so the card only gets me parts for which I can challenge quality. It's leverage against bullshittery.
True, but this depends on the situation and also which side of the fence you're on.
I have three separate companies and one of them I contract to an organization and that's all paid by check so I'm fine with that.
None of them have ever bounced. Lol
In one of my other businesses I'm probably at 98-99% cash but I will take checks from people.
These checks are never over $60 so I don't have that much to lose but I've never had one get returned in over 11 years.
Now on the consumer side, I understand what you're saying and there's some things you should probably never pay cash for because then you would have to take the place to small claims court!
This does work well by the way.
I went to support and even testified during a case where a friend of mine sued a local gym club for not wanting to honor a free year membership they had given him in an exchange for a trade-off for services from his company.
Apparently this health club manager or owner likes to do this because he didn't want to spend money and you know it didn't cost him anything to give somebody a membership in reality.
The judge quickly decided that my friend's favor and told them to honor the membership or give him the full face value of it.
The funniest part was I personally had two of these same signed free memberships which was a entire contract paper with the name left blank because I had also traded them with my company.
That's where this all started but I hadn't cashed mine in yet.
So soon as the judge told him to honor that one I pulled my two out and told the health club manager to remember these two also because I had two more. Lol
Garages way too often are unscrupulous unethical jerks so I agree with you on that point.
Most of them probably aren't adding a surcharge yet but I'm sure they'll start..
They've been charging extrapolated rip-off prices for so long they've been making plenty to cover that 3% they're losing. Lol
You know the industry actually publishes a markup sheet that they send out to all repair places etc.
Hit list the items by category and then name and tells what percentage you're supposed to mark them up and even gives an example for those who aren't great with percentages.
I was astounded to see some things were over 140% markup.
I think some were higher than that.
I remember seeing an example of an alternator and if you paid $100 for it you were supposed to charge $240 for it.
This is so they could show that nice 95-110 per hour labor that I guess it's supposed to sound -fair?
But yes, recourse. I see your point but if you're on the other side of it as a business, there are times where you don't want to risk having chargebacks.
The credit card companies only go to bat for the consumer and it's like pulling teeth trying to get money back if someone does a chargeback and you probably never will.
No I don't mean for these jerks are at people off but legitimate small owner operated businesses who have great reviews and do a great job for most all their customers.
There are some people out there you cannot make happy and some people go into things with the intentional idea of pulling all I can.
I know it's a cliche but I literally know someone who in his early twenties would literally pull a hair off his arm or his head and stick it in his food so he could tell the server trying to get his meal for free or at least something discounted.
He's just one of those cheap skates and also felt like he was pulling a fast one and winning when he did this.
I'm an ultimate cheapskate but I do the work myself to find ways to save money like never overpaying for something etc. I don't lie and cheat to save money.
I will use a coupon a hundred times though if I can pull it off.
So in these cases, as a merchant, I'd rather have cash because that means I've got the money and I'm keeping it unless I decide to get part of it back.
So it's all a matter of perspective and which side you're on but I agree you have to cover your butt and watch out for some things that if something happens you wish you would have done it a different way.