Many merchants post signs near the cash register, indicating that you must spend over a certain amount in order to be allowed to use a credit card or even a flow. However, these minimum requirements to purchase credit card violate trade agreements with MasterCard and Visa. Obviously, many retailers choose to ignore this rule, and they usually get with it. Their position is understandable, since the merchant must pay a fee to the credit card company every time a customer uses a credit card, and pay this tax seems less useful when the customer makes a purchase of $ 2.00 . But technically, if credit cards are accepted, the retailer must accept any purchase, regardless of the amount.
NonToxicReviews.com created a nifty little wallet card that refers to trade agreements MasterCard and Visa, to prove his point in the case of a dispute with a merchant. If you choose to contest a retailer tries to enforce a mimimum requirement for credit card purchase, you'll be in the right, and practice card can facilitate your argument.
Personally, though, I'm not sure I'd be comfortable. Despite the rules of the dealer agreement, I sympathize with the position of the retailer and evil feel comfortable mount a challenge. And you? Want to keep a merchant rules, and demand to be allowed to pay with your credit card? Would you use the NonToxicReviews.com card to help get your way? Or do you just want to respect the wishes of the retailer and pay with cash or buy additional items to meet the requirement?
For more information on credit cards and compare the terms and conditions, see our credit card reviews and comparison chart.