Here's a tip: Restaurants may be padding the bill
在餐廳用餐使用信用卡付費時, 一些信用卡機器會自動的收取 20% 的小費. 也許你已經付了小費, 餐廳商家並不知道這件事. 信用卡公司'暫時'的把這 20% 小費扣了下來. 幾天後才加回去你的帳號. 這可能造成超出信用額度, 並被迫付超支的罰款.
CARDHOLDER TIPS
# When signing a receipt at a restaurant, don't leave the tip line blank. If you wish to leave a cash tip or no tip, do not write 0. Draw a broad line through the area, and fill in the total line.
# Make sure to duplicate on your own copy what you write on the merchant's receipt.
# Cardholders should always keep their receipts and reconcile them against their account statements sent in the mail or made available online.