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need to know
When do markets close for Labor Day?
Netflix's stock heads for sixth straight loss
BlackBerry shares up 4% after deal news
44 million tried Apple Music in its first month
Alibaba shares to be used for $2 bln loan
Europe set for weekly loss | FTSE 100 drops
Oil prices down ahead of key U.S. jobs report
Treasury yields fall | Dollar weakens
Big week of losses for Asian stocks
Amazon to buy video software company

Chinese Navy ships enter U.S. territory

Watch China’s 90-minute parade in 60 seconds
See photos of China's massive military parade
China markets close for war anniversary

Donald Trump stumbles during interview on foreign policy
Trump stumbles in interview on foreign policy
Trump signs Republican loyalty pledge
Carson and Trump: Their policy differences
Trump as president: Bound to be GREAT!

Oops — Rick Perry says broken clock right once a day

My father wanted to divide his estate, but my sister took it all
My sister took all of my father’s estate


Money flows back to stock funds as investors tiptoe in
Money flows back to stock funds

Bill Gross says Fed will do ‘too little, too late’

Obscure trading strategy draws Wall Street’s ire


Labor Day traffic will be the worst since 2008


Hey Twitter, is Jack Dorsey going to be CEO?

Germany at fault in Europe’s refugee crisis
Immigration to Germany at highest since 1992
Chaos in Budapest as migrants rush trains
Father of drowned Syrian boy describes voyage

Six actors who were almost cast as James Bond

Gates: How we can avoid worst of climate change

1 in 3 Americans who get an inheritance blow it
Brother wants loan repaid to father’s estate
I give my son money, his wife gives it to church


Facebook is most successful app, beating out Google, Apple
This is the most successful app ever


What it’s like to play tennis with a ‘smart’ racket

Does this survey confirm our worst fears about the sexes?
Does this confirm our worst fears about the sexes?

Karl Lagerfeld is coming to a store near you
Lagerfeld is coming to a store near you


/conga/frontpage.html 354170

Markets »

24.53MDow Volume:
Avg Vol: 113.10M
Unchanged
200
Decliners
4223
Advancers
1685
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 16,148 -227 1.38%
Nasdaq
/quotes/zigman/12633936/realtime 4,697 -36 0.76%
S&P 500
/quotes/zigman/3870025/realtime 1,928 -23 1.20%
GlobalDow
/quotes/zigman/629063/realtime 2,286 -38 1.61%
Gold
/quotes/zigman/662444/delayed 1,118 -6 0.55%
Oil
/quotes/zigman/2331095/delayed 46.52 -0.23 0.49%
FTSE 100
/quotes/zigman/3173262/delayed 6,066 -128 2.07%
DAX
/quotes/zigman/2380246/delayed 10,063 -255 2.47%
CAC 40
/quotes/zigman/3173214/delayed 4,534 -120 2.58%
FTSE MIB
/quotes/zigman/1482176/delayed 21,520 -657 2.96%
IBEX 35
/quotes/zigman/2759620/delayed 9,820 -222 2.21%
Stoxx 600
/quotes/zigman/2380150/delayed 354 -8 2.25%
Asia Dow
/quotes/zigman/6959860/realtime 2,682 -31 1.14%
Nikkei 225
/quotes/zigman/5986735/delayed 17,792 -390 2.15%
Hang Seng
/quotes/zigman/2622475/delayed 20,841 -94 0.45%
Shanghai
/quotes/zigman/1859015/delayed 3,160 -6 0.20%
Sensex
/quotes/zigman/1652085/delayed 25,202 -563 2.18%
Singapore
/quotes/zigman/1709939/delayed 2,864 -43 1.47%
Euro
/quotes/zigman/16008136/realtime/sampled 1.11 0.00 0.17%
Yen
/quotes/zigman/16008150/realtime/sampled 119.31 -0.76 0.63%
Pound
/quotes/zigman/16008140/realtime/sampled 1.52 -0.01 0.48%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.69 -0.01 1.05%
DXY Index
/quotes/zigman/1652083/delayed 96.48 +0.08 0.08%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.98 +0.17 0.19%
U.S. 10yr
/quotes/zigman/15866666/realtime 2.16 0.00 0.20%
German 10y
/quotes/zigman/15866409/realtime 0.69 -0.04 5.25%
Italy 10yr
/quotes/zigman/15866497/realtime 1.89 -0.03 1.68%
Spain 10yr
/quotes/zigman/15866444/realtime 2.08 -0.02 1.08%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.76 -0.04 2.26%
Japan 10yr
/quotes/zigman/15866525/realtime 0.37 -0.03 6.87%
Crude Oil
/quotes/zigman/2331095/delayed 47 0 0.49%
Gold
/quotes/zigman/662444/delayed 1,118 -6 0.55%
Corn
/quotes/zigman/7599553/delayed 364 +2 0.55%
DJIA F
/quotes/zigman/38649152/delayed 16,117 -231 1.41%
S&P F
/quotes/zigman/30356461/delayed 1,923 -23 1.19%
Silver
/quotes/zigman/3134148/delayed 15 0 0.93%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 87.44 -0.71 -0.81%
AAPL /quotes/zigman/68270/composite 109.48 -0.89 -0.81%
GOOG /quotes/zigman/30194416/composite 601.55 -4.70 -0.78%
BAC /quotes/zigman/190927/composite 15.69 -0.25 -1.57%
C /quotes/zigman/5065548/composite 50.87 -0.92 -1.78%
F /quotes/zigman/264304/composite 13.62 -0.23 -1.63%
T /quotes/zigman/398198/composite 32.59 -0.46 -1.38%
BP /quotes/zigman/247026/composite 31.03 -1.38 -4.26%
GE /quotes/zigman/227468/composite 24.07 -0.44 -1.80%
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Rates »

5 yr CD
1.5%
2 yr CD
0.8%
1 yr CD
0.6%
MMA $10K+
0.3%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.62% 11.62% 11.53%
Business 12.85% 12.85% 12.85%
Student 13.14% 13.14% 13.14%
Balance Transfer 14.12% 14.12% 14.00%
Airline 15.10% 15.10% 15.15%
Reward 15.14% 15.14% 14.99%
Cash Back 15.27% 15.27% 15.26%
Instant Approval 18.00% 18.00% 17.93%
Bad Credit 22.73% 22.73% 22.48%
Source:CreditCards.com

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Trending Tickers
  • /quotes/zigman/19622165/composite BBRY+0.74%
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  • /quotes/zigman/36897180/composite AVOL+4.53%
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Pay Dirt
A daily look at what we buy, how we spend, and the companies that do right - and wrong - by their customers.

Would You Pay More to Use Plastic?

Nearly 95% of WSJ.com readers say they would not make purchases with a credit card if they had to pay a surcharge, according to a recent online poll. But many of them already do — at the gas pump.

Merchants are pushing for the right to charge extra for credit-card sales to cover the 2% swipe fee issuers charge for every purchase, the Journal reported Monday. Although retailers are prohibited from implementing surcharges under a settlement agreement with Visa and MasterCard, they are allowed to offer a discount for cash purchases — a distinction many experts say is mostly semantics. “One man’s cash discount is another man’s credit-card surcharge,” says consumer advocate Edgar Dworsky.

Gas stations have embraced the dual pricing for some time, and if the pump is any indication, consumers are willing to pay extra for the convenience of plastic. Credit- and debit-card purchases account for 70% of spending at gas stations, according to a survey by research group Phoenix Marketing International. Experts say the data suggests that Americans will pay a few cents – or even dollars — extra to use a credit card.

Some may not even notice the price difference. With many rewards programs and fraud protection packages encouraging people to use plastic, many “make up their minds they’re going to pay for their gas with credit cards before they’ve even driven up to the pump,” says John Ulzheimer, president of consumer education at SmartCredit.com, a credit-monitoring site.

Higher prices have forced an increasing number of gas stations to offer dual prices, says Jeff Lenard, a spokesman for the National Association of Convenience Stores. One local TV station spotted 18 gas stations in Long Island, N.Y., with dual pricing, some charging $2 per gallon more for paying with credit cards.

If surcharges are permitted, some experts say credit-card prices could be hiked far higher than the current 2% swipe fee. “In other parts of the world where surcharges are allowed, sellers have taken advantage of consumers,” Dworsky says. When credit-card surcharges were introduced in Australia a decade ago, some retailers raised the fees to as high as 10% of the purchase price, according to a 2010 survey by the New South Wales Minister for Fair Trading. And when transaction fees for U.S. debit-card purchases were slashed last year, 57% of retailers raised prices, according to the Electronic Payments Coalition, an advocacy group for banks. “The same thing will happen with credit cards,” he says.

Comments

We welcome thoughtful comments from readers. Please comply with our guidelines. Our blogs do not require the use of your real name.

Comments (5 of 24)

View all Comments »
    • Thanks for sharing such great posts. Your weisbte is so informative and filled with really great content on ATMs.. I’m impressed by the articles that you’ve written it shows how well you understand the subject. I’ve bookmarked your web page and plan to return regularly for additional great updates. Thanks again, your hard work is appreciated!

    • A particular cpoamny has my attention. BRFS. Brasil Foods. They are a major chicken exporter. The reason they have my attention is YUM Brands has announced they will triple the KFC outlet total in Africa over the next few years. Africa will have oil money to spend, and the shipping distance is minimal.

    • What you seek does not exist. The lenders make huge potfirs on Cash Advances. If you went to a bank for a cash advance you would fill out 15 pages of paperwork and wait 2 days. With a credit card, you just get $500 like magic. No paperwork or waiting. The credit companies even send you checks so you can get money faster. But you have to pay a lot for the ease of getting money with no questions asked.

    • NO I will pay cash—as it is there are to many taxes in California, plus in San Francisco extra money on many restaurant tabs for health services for staff.

    • I buy gas with a credit card because I don’t get a discount that makes it worth my while to go to an ATM and grab cash. On a $3.50 per gallon purchase, I want to see a discount of at least 10c. If my CC is giving me 5% this month, it’s worth 16c.

About Pay Dirt

  • Pay Dirt examines the millions of consumer decisions Americans make every day: What to buy, how much to pay, whether to rave or complain. Lead written by Quentin Fottrell, the blog examines these interactions, providing readers with news, insight and tips on shopping, spending, customer service, and companies that do right – and wrong – by their customers. Send items, questions and comments to quentin.fottrell@dowjones.com or tweet @SMPayDirt.

MarketWatch - Stock Market Quotes, Business News, Financial News

New York Markets Close in:

need to know
When do markets close for Labor Day?
Netflix's stock heads for sixth straight loss
BlackBerry shares up 4% after deal news
44 million tried Apple Music in its first month
Alibaba shares to be used for $2 bln loan
Europe set for weekly loss | FTSE 100 drops
Oil prices down ahead of key U.S. jobs report
Treasury yields fall | Dollar weakens
Big week of losses for Asian stocks
Amazon to buy video software company

Chinese Navy ships enter U.S. territory

Watch China’s 90-minute parade in 60 seconds
See photos of China's massive military parade
China markets close for war anniversary

Donald Trump stumbles during interview on foreign policy
Trump stumbles in interview on foreign policy
Trump signs Republican loyalty pledge
Carson and Trump: Their policy differences
Trump as president: Bound to be GREAT!

Oops — Rick Perry says broken clock right once a day

My father wanted to divide his estate, but my sister took it all
My sister took all of my father’s estate


Money flows back to stock funds as investors tiptoe in
Money flows back to stock funds

Bill Gross says Fed will do ‘too little, too late’

Obscure trading strategy draws Wall Street’s ire


Labor Day traffic will be the worst since 2008


Hey Twitter, is Jack Dorsey going to be CEO?

Germany at fault in Europe’s refugee crisis
Immigration to Germany at highest since 1992
Chaos in Budapest as migrants rush trains
Father of drowned Syrian boy describes voyage

Six actors who were almost cast as James Bond

Gates: How we can avoid worst of climate change

1 in 3 Americans who get an inheritance blow it
Brother wants loan repaid to father’s estate
I give my son money, his wife gives it to church


Facebook is most successful app, beating out Google, Apple
This is the most successful app ever


What it’s like to play tennis with a ‘smart’ racket

Does this survey confirm our worst fears about the sexes?
Does this confirm our worst fears about the sexes?

Karl Lagerfeld is coming to a store near you
Lagerfeld is coming to a store near you


/conga/frontpage.html 354170

Markets »

24.55MDow Volume:
Avg Vol: 113.10M
Unchanged
204
Decliners
4214
Advancers
1689
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 16,150 -225 1.37%
Nasdaq
/quotes/zigman/12633936/realtime 4,698 -36 0.76%
S&P 500
/quotes/zigman/3870025/realtime 1,928 -23 1.19%
GlobalDow
/quotes/zigman/629063/realtime 2,286 -37 1.61%
Gold
/quotes/zigman/662444/delayed 1,118 -6 0.54%
Oil
/quotes/zigman/2331095/delayed 46.50 -0.25 0.53%
FTSE 100
/quotes/zigman/3173262/delayed 6,066 -128 2.06%
DAX
/quotes/zigman/2380246/delayed 10,063 -254 2.47%
CAC 40
/quotes/zigman/3173214/delayed 4,534 -120 2.58%
FTSE MIB
/quotes/zigman/1482176/delayed 21,521 -656 2.96%
IBEX 35
/quotes/zigman/2759620/delayed 9,820 -222 2.21%
Stoxx 600
/quotes/zigman/2380150/delayed 354 -8 2.25%
Asia Dow
/quotes/zigman/6959860/realtime 2,682 -31 1.14%
Nikkei 225
/quotes/zigman/5986735/delayed 17,792 -390 2.15%
Hang Seng
/quotes/zigman/2622475/delayed 20,841 -94 0.45%
Shanghai
/quotes/zigman/1859015/delayed 3,160 -6 0.20%
Sensex
/quotes/zigman/1652085/delayed 25,202 -563 2.18%
Singapore
/quotes/zigman/1709939/delayed 2,864 -43 1.47%
Euro
/quotes/zigman/16008136/realtime/sampled 1.11 0.00 0.19%
Yen
/quotes/zigman/16008150/realtime/sampled 119.31 -0.76 0.63%
Pound
/quotes/zigman/16008140/realtime/sampled 1.52 -0.01 0.47%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.69 -0.01 1.07%
DXY Index
/quotes/zigman/1652083/delayed 96.48 +0.08 0.08%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.98 +0.17 0.19%
U.S. 10yr
/quotes/zigman/15866666/realtime 2.16 0.00 0.20%
German 10y
/quotes/zigman/15866409/realtime 0.69 -0.04 5.25%
Italy 10yr
/quotes/zigman/15866497/realtime 1.89 -0.03 1.68%
Spain 10yr
/quotes/zigman/15866444/realtime 2.08 -0.02 1.08%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.76 -0.04 2.26%
Japan 10yr
/quotes/zigman/15866525/realtime 0.37 -0.03 6.87%
Crude Oil
/quotes/zigman/2331095/delayed 47 0 0.53%
Gold
/quotes/zigman/662444/delayed 1,118 -6 0.54%
Corn
/quotes/zigman/7599553/delayed 364 +2 0.55%
DJIA F
/quotes/zigman/38649152/delayed 16,114 -234 1.43%
S&P F
/quotes/zigman/30356461/delayed 1,923 -23 1.20%
Silver
/quotes/zigman/3134148/delayed 15 0 0.90%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 87.43 -0.72 -0.81%
AAPL /quotes/zigman/68270/composite 109.53 -0.84 -0.76%
GOOG /quotes/zigman/30194416/composite 601.52 -4.73 -0.78%
BAC /quotes/zigman/190927/composite 15.71 -0.24 -1.47%
C /quotes/zigman/5065548/composite 50.89 -0.90 -1.74%
F /quotes/zigman/264304/composite 13.62 -0.22 -1.59%
T /quotes/zigman/398198/composite 32.59 -0.45 -1.36%
BP /quotes/zigman/247026/composite 31.04 -1.37 -4.23%
GE /quotes/zigman/227468/composite 24.07 -0.44 -1.80%
Visit the quote page and your most recently viewed stocks will automatically be displayed here.
Please log in to view your watchlist
MarketWatch Portfolio

World News from MarketWatch

Rates »

5 yr CD
1.5%
2 yr CD
0.8%
1 yr CD
0.6%
MMA $10K+
0.3%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.62% 11.62% 11.53%
Business 12.85% 12.85% 12.85%
Student 13.14% 13.14% 13.14%
Balance Transfer 14.12% 14.12% 14.00%
Airline 15.10% 15.10% 15.15%
Reward 15.14% 15.14% 14.99%
Cash Back 15.27% 15.27% 15.26%
Instant Approval 18.00% 18.00% 17.93%
Bad Credit 22.73% 22.73% 22.48%
Source:CreditCards.com

SPONSORED SECTIONS

Trending Tickers
  • /quotes/zigman/19622165/composite BBRY+0.74%
  • /quotes/zigman/87598/composite NFLX-3.07%
  • /quotes/zigman/365296/composite PAY-1.42%
  • /quotes/zigman/36897180/composite AVOL+4.53%
  • /quotes/zigman/21587200/composite FEYE+3.31%
X
Powered by StockTwits
Link to MarketWatch's Slice.

As of July 2, 2013, the SmartMoney content you loved now lives on MarketWatch.

MarketWatch will continue to provide the same important news and information you rely on every day. And, as a MarketWatch user, you will be able to enjoy:

  • Personalized news and quote email alerts
  • Editorial e-newsletters about personal finance, mutual funds and market-specific coverage
  • Premium newsletters by our market experts
  • Games, such as Virtual Stock Exchange and Beat the Darts
  • Free WSJ.com registration

Email address

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