They have your credit card number from when you gave it to them to pay the bill. That’s all they need to charge your card. Probably they wait until asking for the tip to charge you the entire amount, but there’s little (except laws) stopping them from charging you at any time after as long as they know your credit card number
They have your credit card number from when you gave it to them to pay the bill. That’s all they need to charge your card. Probably they wait until asking for the tip to charge you the entire amount, but there’s little (except laws) stopping them from charging you at any time after as long as they know your credit card number
Transactions are either “open” or “closed” for exactly this purpose. So when you run your card at Target, where no tip line appears on your receipt, it’s a “closed” transaction. What you spend is the limit of what you’re charged. In restaurants and other businesses where tips are customary the card is run on an “open” transaction, allowing for a tip to be added. Now, I know some people are thinking, “I can just ask them to run my transaction as ‘closed,'” but it actually doesn’t work that way. The person at the register isn’t deciding how to run the transaction, they’re just “open” or “closed” by default. And in the case of a pizza place or sit-down restaurant it’s always going to be “open.”
Transactions are either “open” or “closed” for exactly this purpose. So when you run your card at Target, where no tip line appears on your receipt, it’s a “closed” transaction. What you spend is the limit of what you’re charged. In restaurants and other businesses where tips are customary the card is run on an “open” transaction, allowing for a tip to be added. Now, I know some people are thinking, “I can just ask them to run my transaction as ‘closed,'” but it actually doesn’t work that way. The person at the register isn’t deciding how to run the transaction, they’re just “open” or “closed” by default. And in the case of a pizza place or sit-down restaurant it’s always going to be “open.”
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