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@CVS_Extra is pretty good about responding to complaints about poor service at stores and asking what happened.

If you haven't slammed them on Twitter yet, recommend saying that you just had an awful experience at your local CVS store. When they ask what happened, tell them what you think about their :apple: Pay decision.
 
No its just a douchey move on your part. No one else. The clerk has no influence on corporate decision-making. It wasn't their decision to disable Apple Pay. But your solution is to make their lives harder to prove some sort of point to some ********** in a corner office? Its small-minded thinking and you in the future you should seriously reflect more on how your actions truly impact others.

Hey. Taking your business elsewhere would be the correct response, but that would put the clerk out of a job.

If someone want's to pay in pennies as a protest, at least the clerk would still have a job.
 
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This seem like a really dumb move by both these companies... I'd think you'd want the customer experience to be simple and convenient.
 
What you would be doing is childish. Speaking from experience in retail, retaliation like this does nothing... .

Actually it does for the bigger corporations. Because store efficiency metrics are computer monitored. Doesn't matter what the clerk says, because the efficiency of his/her register (item and customer transactions per hour, restocking man hours, customer loyalty rate, etc.) shows up on HQs computer monitors.
 
Guess what? You're still going to buy things at CVS because paying by credit card is fine.

Not me.

Just the principle of being forced to give more cc and marketing information when they have perfectly good system place which is more secure is enough of a reason for me to go somewhere else.
 
Why would any of the savings go to the customer?

I think the only incentive they could use to get customers away from savings/debit cards is going to be offering some sort of discount for CurrentC.

Otherwise why would the average customer just not pull out their card and swipe it...same as they always have.

I picture some sort of convuluted combination total price discount (sort of like how some gas stations give a cash/debit discount, loyalty rewards discounts and potentially cash back.)
 
5) What will get merchants attention is if NFC payments offer an advantage to them. Apple Pay, supposedly, offers excellent security. MCX, who knows, but it's their "baby," so it better. Cost of maintaining NFC vs MCX is another factor. Most important is consumer adoption; no customers, no point. Both NFC and MCX require consumers to use an app to store their information in order to function. That's the biggest barrier to entry of all. Sponsoring companies are going to have to promote the heck of their respective system. May the best one win (NFC).
Good points.

MCX has one primary goal: take the banks and credit card companies out of the equation due to the fees on debit and credit card purchases.

As a consumer, I want that too. Those fees started many years ago due to the cost (remember paper credit card slips?) and risk associated with credit cards (non payment, fraud, etc.). Well now it is almost all automated and, at least with debit cards, the risk to the banks for non payment is very low. So no wonder retailers are trying to cut them out of the equation.

So why does everyone want a system where Apple takes a cut out of what you buy? Seems bizarre to be advocating that.




Michael
 
Not me.

Just the principle of being forced to give more cc and marketing information when they have perfectly good system place which is more secure is enough of a reason for me to go somewhere else.

Principles do not matter in life.

You will still end up buying things in CVS because it's more practical for you.
 
Principles do not matter in life.

You will still end up buying things in CVS because it's more practical for you.

If I don't have my wallet with me (which is my ultimate goal) then I won't be shopping at CVS--until they change this shortsighted policy.
 
Somehow, I bet you support Apple's recent decisions to pull Bose and Fitbit devices from their stores because they compete with Apple's new products....
Are you advocating that we should expect Shell to start selling gas from Exxon mobile? Or that Samsung should sell Apple products in their Samsung experience stores?

You're argument doesn't hold.
 
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Principles do not matter in life.

You will still end up buying things in CVS because it's more practical for you.

less secure in never more practical. Especially when there is a more secure store less than 2 miles away selling the exact same stuff.

And for some.....principles do matter.
 
Good points.

MCX has one primary goal: take the banks and credit card companies out of the equation due to the fees on debit and credit card purchases.

As a consumer, I want that too. Those fees started many years ago due to the cost (remember paper credit card slips?) and risk associated with credit cards (non payment, fraud, etc.). Well now it is almost all automated and, at least with debit cards, the risk to the banks for non payment is very low. So no wonder retailers are trying to cut them out of the equation.

So why does everyone want a system where Apple takes a cut out of what you buy? Seems bizarre to be advocating that.




Michael

Looking at this from the consumer POV, which we all should do, the best outcome of the whole MCX initiative would have been to put some pressure to credit card companies to lower fees. With new initiatives coming out that should signficantly cut fraud exposure, their costs should go down over the long term. (There will be some ramp up costs to convert.)

BTW - I think that's one of the reasons they were happy to cut Apple in
quickly.

But as a consumer, I also want privacy, fraud protection and security. I'm more than happy to the 2% for EMV/chip and PIN or Apple Pay solution that provides it.

BTW, the retailers are acting like this 2% they pay isn't being included in the cost being passed to consumers. They sure as heck aren't looking to give it all back to the consumers.
 
It seems to me that there are two distinct issues that the RiteAids and CVSs are trying to accomplish: Tracking People's spending habits (for their benefit or the businesses) and savings costs on fees when accepting Credit Card.
I use a Walgreens rewards card and I allow them to track my spending habits in order to get some rewards and savings (or else it is just too depressing knowing you could save $5 on a $20 item and too not take advantage of it). I have decided I am OK with doing that at that particular store. I do not do it all over the place. In this situation I present my rewards card from within Passbook, they scan it, or if need be I can enter my phone number. Again that is OK and worth it too me. If the CVS was nearby, I would probably be OK with doing that there also. But if they are proposing a one stop shopping cloud card that can be use at a lot of stores and tracks and shares my spending habits everywhere, then I am out.
Now, as the USA transitions to NFC next year, all companies that accept payment will have to decide to turn it on, not accept credit cards, or continue to use swipe readers, but then be on the hook for fraudulent transactions. So it seems like a lot of companies have decided that they can get by with just their own Credit/Debit/Gift cards or as an alternative offer payment through cash or directly through your banking account via an app. If they offer their own credit card option does that mean it will work with NFC, or only through the app. If it is only through the app or cash, they will have big troubles. If it is through the NFC options, then they will have a lot of confusion as we transition to the new cards.
I, for one, am liking the change to NFC. I, for one, never linked my eBay account to my banking accounts. I will in no way allow them to withdraw funds directly from my banking account. The protections are just too weak and troublesome if they fail. So if they do not offer NFC, the new USA standard (come October 2015), then my only option will be cash. I will in no way trust the security on their shared cloud based process. I am not a fool.
Now there are some stores that I only use cash at, as they will not currently take credit cards, that is OK if I plan ahead and know where I am going, but it is something you have to plan for and that has stopped me before from just dropping in and making purchase. But I understand their desire to cut out those credit card fees. They lose my business some days.
I am prepared to flash my phone once for them to track my spending habits, if I sign up, and then use that same phone to make a purchase, but I will not feel comfortable with using an app that has such a cloud and shared use feature to it.
It will be fun to see this all work out as the rest of the world laughs at us.
 
Good points.

MCX has one primary goal: take the banks and credit card companies out of the equation due to the fees on debit and credit card purchases.

As a consumer, I want that too. Those fees started many years ago due to the cost (remember paper credit card slips?) and risk associated with credit cards (non payment, fraud, etc.). Well now it is almost all automated and, at least with debit cards, the risk to the banks for non payment is very low. So no wonder retailers are trying to cut them out of the equation.

So why does everyone want a system where Apple takes a cut out of what you buy? Seems bizarre to be advocating that.


Michael


Have you seen that systems proposed interface?

And the information they want from the consumer is crazy. Plus, do you really believe you prices will go down if they cut out the credit card swiping process?
 
What you would be doing is childish. Speaking from experience in retail, retaliation like this does nothing. Corporate doesn't like to hear customer complaints from employees. They like to hear it directly from their customers.

I know it would feel better for you to be able to vent frustration directly to them but trust me, it's not as effective as you would imagine.

If you want to be heard reach out directly to corporate:
http://www.cvs.com/help/email-customer-relations.jsp?callType=store&topicid=200018&_requestid=177211
https://www.riteaid.com/customer-su...1&utm_campaign=Affiliate&utm_content=2-170603
If enough people do this then THAT would be much more effective.

5 years in retail myself. I am perfectly fine with doing this to the employee. If everyone did it all employee's would be so frustrated the corporation would no longer have people to work their stores.

It might be the childish way to go about it, but I would laugh as I walked out with my items.
 
How many people have even heard of CurrentC? I consider myself pretty tech savvy and aware and I never heard of it. Ask around and see how many people have heard of Apple Pay. I'm betting even people without iPhones know about it.
 
If I don't have my wallet with me (which is my ultimate goal) then I won't be shopping at CVS--until they change this shortsighted policy.

Yes, but you'll always have your wallet with you.

Forever.

So, all the issues people are complaining about won't matter because of this basic fact.
 
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