I'm going out with my bestfriend for my 16th birthday in less than a week and omg- It's 4:30 in the morning and I was over here stressed about not knowing how to use a card at a restaurant and couldn't sleep. This helped SO MUCH with understanding because my dad is horrible at explaining and just made me even more confused😂
I'd suggest that letting the server know you'd like to split the check up front when ordering - instead of at the end - might be easier for the server.
This video helped me so much. Had a super embarrassing moment due to not knowing how to pay the bill, so got home and immediately looked this up. Huge help. Thank you and God bless you ❤
Thank you so much for this vid it helps with anxiety so much, im meeting my girlfriends parents at a hibachi restaurant in about a weeks time almost 12 hours away from home so im definitely anxious
Keep in mind that recently merchants and restaurants are charging around 3% for using a credit . But also be aware that they are not very well trained and we'll also try and charge you 3% for using a debit card which is actually illegal. You can look this up by searching Google for laws and rules on paying with charge and paying with debit. If they try to charge you 3% for using your debit card which is actually considered cash, I would ask to speak to the manager because they can fix this for you where you don't have to pay extra. Money is very precious these days and we don't want to spend more than we need to.
After the server picks up the signed receipt with tip on it, they'll put it into the computer and it'll charge the tip to your card. You might see the restaurant bill amount (without tip) pending on your account, and then you'll see it process for the full amount (bill plus tip) within a day or two.
It blows my mind that In American restaurants the staff will take your credit card and walk away with it and that not restaurants have the wireless machine payment method where you can pay directly at your table. How does USA not have this in all restaurants?? You have no idea what they can do with your card when out of your hands and out of your site. I'm Canadian and in Canadian restaurants no one touches your credit card other than yourself. We also don't manually write the tip amount. When you tap or insert your card to enter your PIN in the the machine, it will yhen ask you if you want to tip. Either by percentage or you can type a specific dollar amount.
When the server comes back to collect the receipt, they'll enter it into the computer and it'll get charged to your card. If you look at your bank, you might see the original total as a pending charge but when it clears your bank it'll be the total amount (total plus tip).
How would you use a credit card at a store, where tip is not required? Do you always need to sign a receipt? Do we pick the method of payment, such as tap / insert / swipe? Thanks 😊
Using a debit card and credit card are basically the same so check this video out to answer your question: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-4C2PGBtSZaM.html
@@SmartFamilyMoney I'm new to your channel so I'll definitely have to give all your videos a watch. Hope more people are able to discover these really helpful videos!
I’m actually about to for my friends birthday, but the part I’m having trouble with is the tax when it’s required in the bill. Do you have to add it or is it already with the total given?
Correct most of the time a PIN number is not used. If there's not enough money, the charge won't go through (unless you have overdraft protection). If your card is stolen, you should notify your bank right away to turn it off to prevent charges.
@@SmartFamilyMoney interesting, but you could eat as much as you want and later claim that it was stolen? 😅 just curious, we don’t have systems like this. We pay with our credit card but they have security codes
@behnazrad3710 yeah feels wild how US is decade+ behind on the transition to chip/EMV & forgoes the security of PIN entirely except for debit card transactions. And if the debit card is run through credit card mode, no pin is needed either.. Reporting the meal as stolen would probably not work too well vs card issuer fraud detection, would need to be a swipe only restaurant/no chip/tap/nfc unless you use chip and don't do anymore transactions and immediately report as lost/stolen (EMV/chip as an internal transaction step counter so a valid transaction trail sort of like a blockchain, 1:valid 2:valid 3:invalid 4:valid - 3)invalid is a false dispute claim if 4 is valid), any security camera footage pulled would catch you so couldn't have those either. A restaurant you don't frequent, and restaurant bills not being something you have a history of disputing. And you'd need to get your card re-issued, is it worth the hassle & legal risk? Wish they'd bam swipe already, magnetic stripe so easily stolen & cloned hence insane amounts of card fraud in the US.
