Is credit card surcharging legal in California?

California has a law, California Civil Code section 1748.1, that prohibits retailers from adding a surcharge when a consumer chooses to use a credit card instead of paying by cash.

Is it illegal to ask for ID with a credit card in California?

The Song-Beverly Credit Card Act does not prohibit a California merchant from requiring a consumer who pays for goods or services by credit card from showing identification such as a California driver’s license or California ID. However, the store may not write or record any information from these documents.

Is using a credit card without permission illegal?

In US law, it’s legal, but a contract violation. The credit card agreement doesn’t allow you to transfer permission to use the card, but fraud law (or any other such penal law) wouldn’t care, in law it would be the same as if you handed them cash and asked them to bring you back pizza.

Can I use my credit card without my ID?

In most instances, merchants are not allowed to require an ID for credit card purchases. They can ask for your ID, but they cannot refuse to accept your credit card if you don’t show your ID, as long as your credit card is signed.

Do I have to show ID when using my credit card?

With Visa and MasterCard, no. They both have rules that limit stores from requiring you to show your ID as a condition of purpose. If someone insists that you show your ID to use your credit card, you can show a copy of the Visa or MasterCard rules.

Can you press charges for someone stealing your credit card?

Report the fraud to the local police department. Credit card fraud is a crime. While the company investigates the crime, police involvement is necessary to capture the culprit and press charges.

Are there any restrictions on cash advances on credit cards?

Cash advances also come with other restrictions, such as not being eligible for interest-free days or rewards points. Along with the higher interest rate and restrictions, these transactions can also attract additional cash advance fees.

Is there a fee to buy a money order with a credit card?

Most credit cards charge a cash advance fee of 3 to 5 percent of the transaction amount with a minimum fee of $5 to $10. On a $1,000 money order, that’s a fee of $30 to $50 on top of the money order fee. Cash advance APR. Many credit cards charge a higher APR on cash advances than they do regular purchases.

Is it illegal to pay a cash advance at a casino?

Gambling transactions. Purchasing lottery tickets, placing bets and paying for gambling at a casino or online are considered cash advances (or are outright illegal in states). Don’t be surprised if you also have to pay the cash advance rate even on money you spend eating and drinking while at a casino.

Can a overdraft be treated as a cash advance?

For example, if your credit card is set up for overdraft protection, the overdraft amount will be treated as a cash advance. Wire transfers, money orders, and cryptocurrency purchased with your credit card may also be considered cash advances.

Can you buy a money order with a credit card?

Very few major merchants allow you to purchase a money order with a credit card. Most others—including the U.S. Postal Service—do not.5 The Post Office, for example, will only accept cash, debit cards, or travelers checks for a money order.6

Is it illegal to use a credit card after someone dies?

State laws on handling someone’s estate vary, but when someone dies, their permission to act as an authorized user on a credit card does not extend after their death, as my colleague Sally Herigstad has discussed in her column. Tip: It is illegal to continue to use a deceased cardholder’s credit card.