Add Citibank to the list:

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SharpDog

SharpDog

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Citigroup Announces Gun Control Requirements for Clients and Small Businesses:

Under this new policy, we will require new retail sector clients or partners to adhere to these best practices: (1) they don’t sell firearms to someone who hasn’t passed a background check, (2) they restrict the sale of firearms for individuals under 21 years of age, and (3) they don’t sell bump stocks or high-capacity magazines. This policy will apply across the firm, including to small business, commercial and institutional clients, as well as credit card partners, whether co-brand or private label. It doesn’t impact the ability of consumers to use their Citi cards at merchants of their choice.
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http://www.breitbart.com/big-govern...equirements-for-clients-and-small-businesses/
 
Geez
We need to be vocal
What gives them the right to infringe on my Rights?

I sure hope any gun dealer with accounts with them goes to a different bank or better yet a credit union.
 
Tommygunn said:
I heard that on the radio news this afternoon. That .....um... "ethic" (I use that term very loosely) is becoming the creeping crud in today's business world.:mad:
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Ethics in banking, that's funny. Secondly, I wonder why know one has come up with a bank that tailored to the firearms business. I know it's a small group, but I think someone could make a pile of money.
 
What I'm not seeing is just how they mean to enforce this?

I've had a merchant bank account so as to be able to rent a card machine, back in the day (a wretched and onerous burden all for customer convenience at great cost).

So, let's say I'm at a show selling magazines, and I've fitted a card reader on my phone. If I list the item as parts in the transaction, how would Citi know what the part was. Or who I sold it to. Or whether I age checked them before getting a background check?

So, if I owned a Citi card (o_O) and used ot to purchase something at the LGS, where on the reciept will the LGS include that I was over 21, passed a background check, did not buy a C-mag, and whatever else onerou burden Citi would like to inflict?

Given the middling intense competition in the credit card market, why a company would even think to drive off thousands, potentially millions of customers beggars the imagination. If I had had a First American Bank card, which would have become Citi in the FAB buy-out, I certainly would be trading it in for any other card I could get.

It's akin to Honda deciding that too many Accord owners were driving drunk and was banning sales to any that had a bottle of wine, or went to a Red Lobster, or the like.
 
I forgot this earlier, who needs the government to perform operation choke point, the banks will just do it themselves.
 
CapnMac the little guy selling a few parts on the weekend isn’t who they’re aiming for. They’re after businesses. So store owners, web dealers anyone with some volume. Now if they find out about your table at the gun show then they’ll be happy to cancel your account and probably hit you up for a bunch of fees that are probably in the fine print in your agreement and contract.

As for enforcement, I’m sure they’ll have no problem having mystery shoppers who are anti 2nd Amendment reporting people. Don’t forget we underestimate our enemies and this time they’re hitting us hard from all sides. They want to destroy us and they’re stepping up the attacks.
 
Hope isn't a plan so we need to look at the organizations that can mobilize Citibank customers demanding that they stay out of legal transactions until such time the law changes at the Federal or State level. How do we know if a retailer is using a Citibank based card system so we can tell the retailer, "Nope, I'm not paying you if you're using a Citibank based account."?
 
Hokie_PhD said:
Geez
We need to be vocal
What gives them the right to infringe on my Rights?

I sure hope any gun dealer with accounts with them goes to a different bank or better yet a credit union.
Click to expand...


Unfortunatly the Constitution and Bill of Rights is a restriction only on government, not private parties.

I'm not a lawyer, but if I were to fight this through the courts I'd look into laws pertaining to commerce. There might (or might not ... ) be some clause or law regarding free commerce that could be used.
You would need a lawyer to be able to provide a more definative answer though.
 
Tommygunn said:
Maybe, but this policy is new as of yesterday.
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So what? They have been anti-gun for decades. They have closed out dealer accounts. Here is just one example from 2008, but people were having issues with them at least since 2000 that I can find. https://www.thehighroad.org/index.p...ejects-firearms-industry.329468/#post-4066606

For those that have lists, Citibank should have been on everybody's "list" for a very long time now ALREADY. This is just more of their nonsense. It isn't like we were all happy with Citibank and their support of the 2A and they turned on us all of a sudden.
 
Double Naught Spy said:
So what? They have been anti-gun for decades. They have closed out dealer accounts. Here is just one example from 2008, but people were having issues with them at least since 2000 that I can find. https://www.thehighroad.org/index.p...ejects-firearms-industry.329468/#post-4066606

For those that have lists, Citibank should have been on everybody's "list" for a very long time now ALREADY. This is just more of their nonsense. It isn't like we were all happy with Citibank and their support of the 2A and they turned on us all of a sudden.
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Okay, too late. Lets just ignore Citibank.
Seriously, A LOT of businesses have been antis for years. I'm only pointing out a simple truth; this is a new policy and IMHO requires new action.
 
CapnMac said:
What I'm not seeing is just how they mean to enforce this?

I've had a merchant bank account so as to be able to rent a card machine, back in the day (a wretched and onerous burden all for customer convenience at great cost).

So, let's say I'm at a show selling magazines, and I've fitted a card reader on my phone. If I list the item as parts in the transaction, how would Citi know what the part was. Or who I sold it to. Or whether I age checked them before getting a background check?

So, if I owned a Citi card (o_O) and used ot to purchase something at the LGS, where on the reciept will the LGS include that I was over 21, passed a background check, did not buy a C-mag, and whatever else onerou burden Citi would like to inflict?

Given the middling intense competition in the credit card market, why a company would even think to drive off thousands, potentially millions of customers beggars the imagination. If I had had a First American Bank card, which would have become Citi in the FAB buy-out, I certainly would be trading it in for any other card I could get.

It's akin to Honda deciding that too many Accord owners were driving drunk and was banning sales to any that had a bottle of wine, or went to a Red Lobster, or the like.
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For online transactions, it's dead simple for them to flag transactions involving bump-fire, slide-fire, 'Mag-pul' by item number, any number of items. It's only a matter of having someone enter them into their systems. They have your entire receipt which includes the company, sku, etc.

For a local gun-store it might be trickier, but then all it takes is a complaint by an anti-gunner.
 
SharpDog said:
For online transactions
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That's just it--for card reader transactions--which many onlines connect to--the entries are just for a transaction ID (invoice number, usually), the the transaction title (name of item), then price, expiration date, card number, etc.

On-line inventory ordering "looks" like a very transparent process--but, it's only "open" between the inventory system of the seller and the customer. Even notice that "step" whn tou get to check out and have to reenter the purchace info? That's where the ntrey fields of the CC transaction are being filled. The CC bank does not "see" the rest; only the who, which card, when, and how much. They also want a unique transaction number and a title, so you can see those on your CC bill.

Once again, I'm very suspicious that this is just posturing for "city" folk. And as unenforcible as requiring all customers to have a middle name.
 
CapnMac said:
That's just it--for card reader transactions--which many onlines connect to--the entries are just for a transaction ID (invoice number, usually), the the transaction title (name of item), then price, expiration date, card number, etc.

On-line inventory ordering "looks" like a very transparent process--but, it's only "open" between the inventory system of the seller and the customer. Even notice that "step" whn tou get to check out and have to reenter the purchace info? That's where the ntrey fields of the CC transaction are being filled. The CC bank does not "see" the rest; only the who, which card, when, and how much. They also want a unique transaction number and a title, so you can see those on your CC bill.

Once again, I'm very suspicious that this is just posturing for "city" folk. And as unenforcible as requiring all customers to have a middle name.
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Having worked with Payment networks and Point of Sale systems let me add. Every product has a unique SKU or barcode. These SKU's are usually assigned to a department in the POS (point of Sale). The departments are usually also assigned a product code. Imagine how this works. A person puts 4 items on the counter, bag of chips, soda, candy and a lottery ticket. The first three items are product code 7, general merchandise or snacks, but the lottery ticket is under lottery. The sale will be rejected by the network for the Lottery ticket as most credit card companies don't allow gambling on credit or debit.

So we go to a gun store, buy 4 items, but all items are in the "firearm" department. There is no way the card company is going to know which items you purchased, they are just going to see an amount and a Product code. To my knowledge, there is no way to enforce this. Also, when was the last time you heard an anti be able to talk like a gun owner? I don't think this has legs. However, please do let them know why you are canceling your card or account.

lnk
 
No no no no no!! Boycotts aren't viable just go over & look at the youtube thread!:what:


Oh yes that's right, boycotting a bank ''we showed 'em'', but DON'T get into the important stuff like people's entertainment...
 
Now's the time to look up the customer service numbers for Chase and other competitors. Tell them you'd like to do a balance transfer, and see if you can negotiate a better interest rate while you're at it. Usually, they're thrilled to snag a competitor's customer.

A few years ago I did a transfer from Citibank to Chase, and Chase not only gave me a slightly better interest rate, they didn't charge any interest on the transferred amount.

It pays to ask!
 
CapnMac said:
That's just it--for card reader transactions--which many onlines connect to--the entries are just for a transaction ID (invoice number, usually), the the transaction title (name of item), then price, expiration date, card number, etc.

On-line inventory ordering "looks" like a very transparent process--but, it's only "open" between the inventory system of the seller and the customer. Even notice that "step" whn tou get to check out and have to reenter the purchace info? That's where the ntrey fields of the CC transaction are being filled. The CC bank does not "see" the rest; only the who, which card, when, and how much. They also want a unique transaction number and a title, so you can see those on your CC bill.

Once again, I'm very suspicious that this is just posturing for "city" folk. And as unenforcible as requiring all customers to have a middle name.
Click to expand...

You know, the same can be said of Paypal transactions. And yet, accounts are closed without warning if someone is not savvy enough to disguise purchases using that service (which also still makes transaction fee profits on every sale for a company that hates us). If Citi is serious, they will find ways of rooting out non-compliant vendors. Hell, just start a Twitter campaign to have anti-gun trolls rat out sellers using Citi services for guns & gun parts. It worked for Youtube & Facebook, months back.
 
barnbwt said:
Paypal transactions
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Ah, but, those transactions do have additional data fields, that are required for access.

It's also a pain to code online transactions to paypal (unless an auction) because of that. (The need to identify which pp funding source is also a pain.)

So, fundamentally, they have not rolled out a new Point of Sale to merchants (which would be hugely complicated due to terms of contract with merchant banks). They also have not rolled out some new merchant banking policy (to my knowledge). Which means the only "teeth" in this thing are that they could, might, cancel individual card holder accounts.

So, they have no way to dictate to Oshman's, Bass Pro. Academy, etc., how their merchant bank accounts work at PoS.
(And, the merchants can go negotiate a new merchant bank account should Citi try.)
Thye have a limited ability to close the accounts of Citi card holders for "violating" poilicy.
(Which is dumb, as the card holder then goes and gets a different card, and uses a balance pay-off promo to erase the balance at Citi--Citi gets no interest payments; loses a customer; and loses trade; nothing evern resembling a "win.")

Oh, and if a person wants to "stick it" to Citi, use one of their ATM to get cash for a purchase. Huh? ATM run on the tiniest of margins, often running as loss-leaders (even with the $3 vig; which only makes them money on withdrawals of $50 or less). They lose the margins on interest payments for the purchase, and the vig they put on the retailers to use the card (monthly fee, percentage of charges; at the end of the month, the merchant also pays for "mileage" the "perks" stuff, way after the customer leaves.)

My 2¢; others differ
 
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