What happens after a bank closes all of your credit cards?

Re:What happens after a bank closes all of your credit cards? by tinus_hn on Saturday April 10, 2021 @03:30PM (#26764333)

I recall an article about an employer getting away with paying an employee in oil covered pennies.

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Re:What happens after a bank closes all of your credit cards? by 120391583 on Saturday April 10, 2021 @04:04PM (#26764620)

I don't know if that employer has been prosecuted yet, but I don't think it was legal. At minimum, it should qualify as illegal dumping under [GA Code § 16-7-52](https://law.justia.com/codes/georgia/2019/title-16/chapter-7...). [GA Code § 16-7-51](https://law.justia.com/codes/georgia/2019/title-16/chapter-7...) defines "egregious litter" to include "any substance or material dumped for commercial purposes."

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Re:What happens after a bank closes all of your credit cards? by ralphc on Saturday April 10, 2021 @04:55PM (#26765047)

As a followup, CoinStar stepped up (or wanted the publicity) and took the pennies and gave him cash.

https://wsvn.com/news/us-world/coinstar-helps-out-georgia-ma...

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Re:What happens after a bank closes all of your credit cards? by gizmo686 on Saturday April 10, 2021 @03:35PM (#26764383)

There is a requirement to accept cash as payment for debt. This does not apply to the typical retail case, where the seller can simply not proceed with the transaction.

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Re:What happens after a bank closes all of your credit cards? by toast0 on Saturday April 10, 2021 @04:03PM (#26764615)

If you order ice cream and it's scooped for you before you pay (as is customary in ice cream shoppes I've frequentrd), you have incurred a debt.

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Re:What happens after a bank closes all of your credit cards? by 120391583 on Saturday April 10, 2021 @04:04PM (#26764630)

Do they actually give you the ice cream before you pay?

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Re:What happens after a bank closes all of your credit cards? by Turing_Machine on Saturday April 10, 2021 @05:29PM (#26765300)

Physical transfer doesn't really matter. Either you've incurred a debt (in which case they're legally required to take cash) or you haven't (in which case you're free to walk out of the store, leaving the ice cream to melt).

The store would need to require that you pay before the scooping began to avoid this, IMO.

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Re:What happens after a bank closes all of your credit cards? by 120391583 on Saturday April 10, 2021 @05:36PM (#26765365)

Right, but if you've taken possession, you've definitely incurred a debt. If they've scooped the ice cream but haven't handed it to you, while there may technically be a debt at that point, I expect most stores would just throw the ice cream out if you insisted on paying with a payment method they don't accept.

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Re:What happens after a bank closes all of your credit cards? by Turing_Machine on Saturday April 10, 2021 @10:59PM (#26767172)

> I expect most stores would just throw the ice cream out if you insisted on paying with a payment method they don't accept.

Yes. And?

If enough people do this, perhaps they'll change their policy.

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Re:What happens after a bank closes all of your credit cards? by 120391583 on Sunday April 11, 2021 @09:06AM (#26770084)

If you can order the ice cream and take possession of it before paying, you've incurred a debt. At that point, the store must be willing to accept cash (or forgive the debt altogether). End result: you've got ice cream.

If you order the ice cream but don't take possession of it until you pay, the store is free to reject your cash payment and not give you the ice cream. End result: no ice cream. If this occurs frequently enough, the waste from the store having to prepare and throw out ice cream might prompt them to change their policy, but that's not an immediate solution.

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