Credit Card Acceptance-checks

[Danny Moore]

> Talking to various retailers or other service people such as plumbers,
>
> electricians, etc., you learn quickly that bad checks are a way of
> life for
> them.

Dave and List,I spent 15 years as owner/agent of record of an
independant insurance agency.  When I sold out in '94 and entered the
piano bus. full time, I added up my bad debts.  Almost $40,000!  The
majority was hot checks - someone writing a check for an evidence of
(auto) insurance card so they could renew drivers license, lic. tags,
etc.  Oh well, just another contributing factor to my changing careers
at this late date.

Credit was a way of life in the insurance business, and a big factor
adding to the confusion of the business.  For that reason I have not
considered credit of any type in this business.  However, when someone
asks if I accept Discover, Visa, etc., I reply "No, but I will accept a
Discover Check."  (Visa Check or whatever.)  Most people that have cards
also have checks available on their account.

I've never gotten one for a small job (under $100) but occaisionally
receive one for a big job, long move, etc.  It seems that most people
who need credit have the means of getting it without my providing it.

Just a few thoughts.

Danny Moore
Houston Chapter