店員多刷後,隔天刷退有此規定? - 信用卡
By Brianna
at 2021-02-27T22:46
at 2021-02-27T22:46
Table of Contents
家人幾天前的傍晚,去一間店消費4500元左右,
刷卡後,信用卡忘了拿便離開,
家人在店外牽車準備離開時,店員突然的走出店外,歸還家人的信用卡,
晚上家人使用手機時,發現今天有兩筆刷卡紀錄通知,
一筆是有消費的,約4500元,
另一筆約4200元(多刷),兩筆刷卡時間差約5分鐘,
當時店家已休息,家人先打電話給信用卡公司的客服,
客服先將第二筆消費列為爭議款,並依客服建議,隔天去刷退即可.
隔日早上家人打電話去店家詢問時,店員回覆了三種處理方式:
方法-1:
因為今天的消費大部份是現金,他們店刷卡的總金額還沒有超過4200元,
如果今天要刷退,他們店當天的總消費是負的,
所以請家人再等,如果今天刷卡金額超過4200元以上時,再讓家人刷退
方法-2:
如果家人堅持要立即刷退,因為店總刷卡金額未達4200元,
他們必須...寫...傳真去收單銀行申請...,而且要過幾天才能退...
...這樣很麻煩....
方法-3:如果家人堅持要立即刷退,店員可以自己刷一仟多元,
補足刷退總金額後,讓家人刷退
(該店當日當時的刷卡金額僅有約3000元)
家人等了一段時間,不想再拖,下午就到了該店,
說也奇怪,到店裏後,店員就說,剛剛已有人刷卡,金額己足夠刷退了
(補充:該店要消費3000元以上,才給刷卡)
這筆 "多刷" 的消費,家人也順利刷退了,
家人有詢問了幾點:
問一:為何會多刷?
店員:因為家人的信用卡還放在刷卡機上,下一位顧客結帳時,不小心就多刷了
問二:多刷了乙筆信用卡,店員難道不知道?
店員:他沒注意到
問三:誤刷了家人的信用卡,那下一位顧客的消費是否沒刷到卡?
店員:他確定下一位有刷卡,因為刷完後,顧客才拿出他的信用卡交給店員刷...
家人去電信用卡公司(北富銀),北富銀客服回覆:每家收單銀行規定不同.
上述是概略的過程
我有個疑問:
收單銀行是中信銀,同一店家,當天刷卡金額不能是負值嗎?
(如果有人隔日要退貨刷退,豈不是還要等?)
如果隔天要刷退(因為前一日的交易銀行已結帳),要傳真XX文件去申請?
我對於店員說的刷退處理方法,甚感疑惑,
輕鬆想:或許只是店員想省自己的麻煩
認真想:或許案情不單純
(多刷了一筆,店員會沒感覺?)
(隔日可以刷一筆一仟多元,無實際交易刷卡?)
(該店商品的進銷存管理,應該很亂吧?)
能否幫忙小弟釋疑之.(負值及刷退傳真申請)
先謝謝!
--
刷卡後,信用卡忘了拿便離開,
家人在店外牽車準備離開時,店員突然的走出店外,歸還家人的信用卡,
晚上家人使用手機時,發現今天有兩筆刷卡紀錄通知,
一筆是有消費的,約4500元,
另一筆約4200元(多刷),兩筆刷卡時間差約5分鐘,
當時店家已休息,家人先打電話給信用卡公司的客服,
客服先將第二筆消費列為爭議款,並依客服建議,隔天去刷退即可.
隔日早上家人打電話去店家詢問時,店員回覆了三種處理方式:
方法-1:
因為今天的消費大部份是現金,他們店刷卡的總金額還沒有超過4200元,
如果今天要刷退,他們店當天的總消費是負的,
所以請家人再等,如果今天刷卡金額超過4200元以上時,再讓家人刷退
方法-2:
如果家人堅持要立即刷退,因為店總刷卡金額未達4200元,
他們必須...寫...傳真去收單銀行申請...,而且要過幾天才能退...
...這樣很麻煩....
方法-3:如果家人堅持要立即刷退,店員可以自己刷一仟多元,
補足刷退總金額後,讓家人刷退
(該店當日當時的刷卡金額僅有約3000元)
家人等了一段時間,不想再拖,下午就到了該店,
說也奇怪,到店裏後,店員就說,剛剛已有人刷卡,金額己足夠刷退了
(補充:該店要消費3000元以上,才給刷卡)
這筆 "多刷" 的消費,家人也順利刷退了,
家人有詢問了幾點:
問一:為何會多刷?
店員:因為家人的信用卡還放在刷卡機上,下一位顧客結帳時,不小心就多刷了
問二:多刷了乙筆信用卡,店員難道不知道?
店員:他沒注意到
問三:誤刷了家人的信用卡,那下一位顧客的消費是否沒刷到卡?
店員:他確定下一位有刷卡,因為刷完後,顧客才拿出他的信用卡交給店員刷...
家人去電信用卡公司(北富銀),北富銀客服回覆:每家收單銀行規定不同.
上述是概略的過程
我有個疑問:
收單銀行是中信銀,同一店家,當天刷卡金額不能是負值嗎?
(如果有人隔日要退貨刷退,豈不是還要等?)
如果隔天要刷退(因為前一日的交易銀行已結帳),要傳真XX文件去申請?
我對於店員說的刷退處理方法,甚感疑惑,
輕鬆想:或許只是店員想省自己的麻煩
認真想:或許案情不單純
(多刷了一筆,店員會沒感覺?)
(隔日可以刷一筆一仟多元,無實際交易刷卡?)
(該店商品的進銷存管理,應該很亂吧?)
能否幫忙小弟釋疑之.(負值及刷退傳真申請)
先謝謝!
--
Tags:
信用卡
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