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need to know
All 10 S&P 500 sectors decline in August
Apple will let iPhone and iPad users block ads
J.C. Penney upgraded by Deutsche Bank
Wal-Mart cuts worker hours at some stores
5 silly new words in the Oxford dictionary

Personal beliefs don’t belong in retirement accounts

Unlucky lottery winner gets IOU from Illinois

Ode to that legendary New York steakhouse the Palm

When you absolutely, positively need a cocktail

Teacher with 111 tardies puts blame on breakfast

Automat concept is back — with a lot more quinoa

If Donald Trump can do it, why not Kanye West?

Scott Walker's backers seek a reboot of his campaign
Scott Walker’s backers seek reboot of campaign
Scott Walker wants a wall — with Canada

Dissatisfied voters are fueling Sanders and Trump
Clinton says she supports ‘revolving door’ bill
Biden a tougher matchup than Clinton: poll

Ruling in ‘Deflategate’ expected by end of this week
Greedy owners are NFL preseason winners

Disney to unveil ‘Star Wars’ toys in unboxing event
Walt Disney leads Dow's losers for August

How teen clothing retailers compete today

Sunday is Warren Buffett's 85th birthday
Happy 85th birthday to the $67 billion man


Why BlackBerry is a more attractive buyout target than Twitter
BlackBerry is a better buyout target than Twitter
Twitter's stock jumps after analyst upgrade

Our kids aren’t doomed to be poorer than we are

Now is the time to fix your investment portfolio
Now is the time to fix your investment portfolio
Both worry, be happy stocks aren’t a sure bet

Facebook users flood Mark Zuckerberg with thank you’s
Facebook users flood Mark Zuckerberg with thanks

‘War Room’ is a ‘resounding success’ at box office

By this measure, stocks have weathered the worst
By this measure, stocks have weathered the worst

Cheeseburgers and happiness always on the menu for Warren Buffett — and Jimmy Buffett, too
Farrell: Recipes for happiness, from Buffett and others

/conga/frontpage.html 353759

Markets »

141.44MDow Volume:
Avg Vol: 109.98M
Unchanged
217
Decliners
3378
Advancers
3004
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 16,528 -115 0.69%
Nasdaq
/quotes/zigman/12633936/realtime 4,777 -52 1.07%
S&P 500
/quotes/zigman/3870025/realtime 1,972 -17 0.84%
GlobalDow
/quotes/zigman/629063/realtime 2,355 +0 0.01%
Gold
/quotes/zigman/662444/delayed 1,140 +7 0.64%
Oil
/quotes/zigman/2331095/delayed 47.41 -1.78 3.62%
FTSE 100
/quotes/zigman/3173262/delayed 6,248 +56 0.90%
DAX
/quotes/zigman/2380246/delayed 10,259 -39 0.38%
CAC 40
/quotes/zigman/3173214/delayed 4,653 -22 0.47%
FTSE MIB
/quotes/zigman/1482176/delayed 21,942 -52 0.24%
IBEX 35
/quotes/zigman/2759620/delayed 10,259 -94 0.91%
Stoxx 600
/quotes/zigman/2380150/delayed 363 0 0.13%
Asia Dow
/quotes/zigman/6959860/realtime 2,772 -12 0.43%
Nikkei 225
/quotes/zigman/5986735/delayed 18,613 -278 1.47%
Hang Seng
/quotes/zigman/2622475/delayed 21,671 +58 0.27%
Shanghai
/quotes/zigman/1859015/delayed 3,206 -26 0.82%
Sensex
/quotes/zigman/1652085/delayed 26,283 -109 0.41%
Singapore
/quotes/zigman/1709939/delayed 2,929 +7 0.25%
Euro
/quotes/zigman/16008136/realtime/sampled 1.12 +0.00 0.29%
Yen
/quotes/zigman/16008150/realtime/sampled 121.03 -0.20 0.17%
Pound
/quotes/zigman/16008140/realtime/sampled 1.54 +0.00 0.22%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 +0.00 0.14%
DXY Index
/quotes/zigman/1652083/delayed 95.74 -0.19 0.19%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.28 -0.16 0.18%
U.S. 10yr
/quotes/zigman/15866666/realtime 2.21 -0.01 0.52%
German 10y
/quotes/zigman/15866409/realtime 0.73 -0.01 1.33%
Italy 10yr
/quotes/zigman/15866497/realtime 1.92 +0.01 0.45%
Spain 10yr
/quotes/zigman/15866444/realtime 2.06 0.00 0.19%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.85 -0.02 0.96%
Japan 10yr
/quotes/zigman/15866525/realtime 0.39 +0.01 3.10%
Crude Oil
/quotes/zigman/2331095/delayed 47 -2 3.62%
Gold
/quotes/zigman/662444/delayed 1,140 +7 0.64%
Corn
/quotes/zigman/7599553/delayed 373 -3 0.67%
DJIA F
/quotes/zigman/38649152/delayed 16,316 -192 1.16%
S&P F
/quotes/zigman/30356461/delayed 1,944 -25 1.28%
Silver
/quotes/zigman/3134148/delayed 15 +0 0.51%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 89.43 -1.58 -1.74%
AAPL /quotes/zigman/68270/composite 112.76 -0.53 -0.47%
GOOG /quotes/zigman/30194416/composite 618.25 -12.13 -1.92%
BAC /quotes/zigman/190927/composite 16.34 -0.02 -0.12%
C /quotes/zigman/5065548/composite 53.48 0.20 0.38%
F /quotes/zigman/264304/composite 13.87 0.13 0.95%
T /quotes/zigman/398198/composite 33.20 -0.09 -0.27%
BP /quotes/zigman/247026/composite 33.54 0.28 0.84%
GE /quotes/zigman/227468/composite 24.82 -0.34 -1.35%
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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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SmartMoney Blogs

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
Bulletin
Investor Alert

Tokyo Markets Close in:

need to know
All 10 S&P 500 sectors decline in August
Apple will let iPhone and iPad users block ads
J.C. Penney upgraded by Deutsche Bank
Wal-Mart cuts worker hours at some stores
5 silly new words in the Oxford dictionary

Personal beliefs don’t belong in retirement accounts

Unlucky lottery winner gets IOU from Illinois

Ode to that legendary New York steakhouse the Palm

When you absolutely, positively need a cocktail

Teacher with 111 tardies puts blame on breakfast

Automat concept is back — with a lot more quinoa

If Donald Trump can do it, why not Kanye West?

Scott Walker's backers seek a reboot of his campaign
Scott Walker’s backers seek reboot of campaign
Scott Walker wants a wall — with Canada

Dissatisfied voters are fueling Sanders and Trump
Clinton says she supports ‘revolving door’ bill
Biden a tougher matchup than Clinton: poll

Ruling in ‘Deflategate’ expected by end of this week
Greedy owners are NFL preseason winners

Disney to unveil ‘Star Wars’ toys in unboxing event
Walt Disney leads Dow's losers for August

How teen clothing retailers compete today

Sunday is Warren Buffett's 85th birthday
Happy 85th birthday to the $67 billion man


Why BlackBerry is a more attractive buyout target than Twitter
BlackBerry is a better buyout target than Twitter
Twitter's stock jumps after analyst upgrade

Our kids aren’t doomed to be poorer than we are

Now is the time to fix your investment portfolio
Now is the time to fix your investment portfolio
Both worry, be happy stocks aren’t a sure bet

Facebook users flood Mark Zuckerberg with thank you’s
Facebook users flood Mark Zuckerberg with thanks

‘War Room’ is a ‘resounding success’ at box office

By this measure, stocks have weathered the worst
By this measure, stocks have weathered the worst

Cheeseburgers and happiness always on the menu for Warren Buffett — and Jimmy Buffett, too
Farrell: Recipes for happiness, from Buffett and others

/conga/frontpage.html 353759

Markets »

141.44MDow Volume:
Avg Vol: 109.98M
Unchanged
217
Decliners
3378
Advancers
3004
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 16,528 -115 0.69%
Nasdaq
/quotes/zigman/12633936/realtime 4,777 -52 1.07%
S&P 500
/quotes/zigman/3870025/realtime 1,972 -17 0.84%
GlobalDow
/quotes/zigman/629063/realtime 2,355 +0 0.01%
Gold
/quotes/zigman/662444/delayed 1,140 +7 0.64%
Oil
/quotes/zigman/2331095/delayed 47.41 -1.78 3.62%
FTSE 100
/quotes/zigman/3173262/delayed 6,248 +56 0.90%
DAX
/quotes/zigman/2380246/delayed 10,259 -39 0.38%
CAC 40
/quotes/zigman/3173214/delayed 4,653 -22 0.47%
FTSE MIB
/quotes/zigman/1482176/delayed 21,942 -52 0.24%
IBEX 35
/quotes/zigman/2759620/delayed 10,259 -94 0.91%
Stoxx 600
/quotes/zigman/2380150/delayed 363 0 0.13%
Asia Dow
/quotes/zigman/6959860/realtime 2,772 -12 0.42%
Nikkei 225
/quotes/zigman/5986735/delayed 18,613 -278 1.47%
Hang Seng
/quotes/zigman/2622475/delayed 21,671 +58 0.27%
Shanghai
/quotes/zigman/1859015/delayed 3,206 -26 0.82%
Sensex
/quotes/zigman/1652085/delayed 26,283 -109 0.41%
Singapore
/quotes/zigman/1709939/delayed 2,929 +7 0.25%
Euro
/quotes/zigman/16008136/realtime/sampled 1.12 +0.00 0.28%
Yen
/quotes/zigman/16008150/realtime/sampled 121.03 -0.20 0.16%
Pound
/quotes/zigman/16008140/realtime/sampled 1.54 +0.00 0.22%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 +0.00 0.15%
DXY Index
/quotes/zigman/1652083/delayed 95.74 -0.19 0.19%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.28 -0.16 0.18%
U.S. 10yr
/quotes/zigman/15866666/realtime 2.21 -0.01 0.52%
German 10y
/quotes/zigman/15866409/realtime 0.73 -0.01 1.33%
Italy 10yr
/quotes/zigman/15866497/realtime 1.92 +0.01 0.45%
Spain 10yr
/quotes/zigman/15866444/realtime 2.06 0.00 0.19%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.85 -0.02 0.96%
Japan 10yr
/quotes/zigman/15866525/realtime 0.39 +0.01 3.10%
Crude Oil
/quotes/zigman/2331095/delayed 47 -2 3.62%
Gold
/quotes/zigman/662444/delayed 1,140 +7 0.64%
Corn
/quotes/zigman/7599553/delayed 373 -3 0.67%
DJIA F
/quotes/zigman/38649152/delayed 16,320 -188 1.14%
S&P F
/quotes/zigman/30356461/delayed 1,944 -25 1.28%
Silver
/quotes/zigman/3134148/delayed 15 +0 0.51%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 89.43 -1.58 -1.74%
AAPL /quotes/zigman/68270/composite 112.76 -0.53 -0.47%
GOOG /quotes/zigman/30194416/composite 618.25 -12.13 -1.92%
BAC /quotes/zigman/190927/composite 16.34 -0.02 -0.12%
C /quotes/zigman/5065548/composite 53.48 0.20 0.38%
F /quotes/zigman/264304/composite 13.87 0.13 0.95%
T /quotes/zigman/398198/composite 33.20 -0.09 -0.27%
BP /quotes/zigman/247026/composite 33.54 0.28 0.84%
GE /quotes/zigman/227468/composite 24.82 -0.34 -1.35%
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/413712/composite USO+6.79%
  • /quotes/zigman/88601/composite WYNN-4.03%
  • /quotes/zigman/8669138/composite DWTI-22.19%
  • /quotes/zigman/12221594/composite AMBA-0.71%
  • /quotes/zigman/55989606/composite ACI+13.40%
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

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