twofewscrews
Member
So I was considering switching from a Chase Checking/Savings account to a Capital One 360 account and found this under Capital One's Bill Pay Feature:
Prohibited Payments
We cannot schedule Bill Payments to Billers located outside the United States or any of its territories, any single payment greater than $100,000.00, or payments otherwise prohibited by law. The following types of payments are prohibited through the Service, and we have the right but not the obligation to monitor for, block, cancel and/or reverse such payments:
4. Payments related to: (1) tobacco products, (2) prescription drugs and devices; (3) narcotics, steroids, controlled substances or other products that present a risk to consumer safety; (4) drug paraphernalia; (5) ammunition, firearms, or firearm parts or related accessories; (6) weapons or knives regulated under applicable law; (7) goods or services that encourage, promote, facilitate or instruct others to engage in illegal activity; (8) goods or services that are sexually oriented; (9) goods or services that promote hate, violence, racial intolerance, or the financial exploitation of a crime; (10) goods or services that defame, abuse, harass or threaten others; (11) goods or services that include any language or images that are bigoted, hateful, racially offensive, vulgar, obscene, indecent or discourteous; (12) goods or services that advertise, sell to, or solicit others; or (13) goods or services that infringe or violate any copyright, trademark, right of publicity or privacy, or any other proprietary right under the laws of any jurisdiction
I searched Chase for a similar clause and found this in relation to their bill pay services:
Merchant or Payee Limitation
We reserve the right to refuse to pay any Payee whom you may designate for a payment. We will
notify you promptly if we decide to refuse to pay a Payee designated by you. This notification is
not required if you attempt to pay tax or court related payments, make payments to Payees
located outside the United States or make any other payments prohibited by law, each of which is
prohibited under this Agreement.
I don't quite understand how this works but here's how I think it works: I can purchase a firearm or ammunition from a store or online retailer using a Capital One debit or credit card, but I cannot regularly schedule (use Capital Ones Bill Payment Feature) payments for the continued purchase of firearms or ammunition, or tobacco/prescription drugs/etc. but I could possibly use Chases Bill Pay Feature to do so . . .
Is my understanding of how this works correct?
If I purchased a firearm or lot of ammunition on layaway or upon a payment plan, putting down 20% of the money upfront, would I be able to schedule payments using Capital One's Bill Pay or would that be considered an improper use of the service? Or does it only apply to new purchases, ie I couldn't use the service to purchase 100 rounds of ammunition the 3rd of every month but I could use the service to pay the remaining balance on a firearm/lot of ammunition that I had already in my possession/purchased?
It would seem that Chase could refuse the use of their Bill Pay service for the same things that Capital One. My confusion here comes mainly from the fact that where Capital One has explicitly stated guidelines Chase has a single vague clause. I don't consider this to be a deal breaker as I don't purchase things I cannot afford to pay for on the spot, but it got me thinking.
For the mod(s): Not 100% sure where this belongs but Legal made the most sense to me . . . move it as you see fit
Prohibited Payments
We cannot schedule Bill Payments to Billers located outside the United States or any of its territories, any single payment greater than $100,000.00, or payments otherwise prohibited by law. The following types of payments are prohibited through the Service, and we have the right but not the obligation to monitor for, block, cancel and/or reverse such payments:
4. Payments related to: (1) tobacco products, (2) prescription drugs and devices; (3) narcotics, steroids, controlled substances or other products that present a risk to consumer safety; (4) drug paraphernalia; (5) ammunition, firearms, or firearm parts or related accessories; (6) weapons or knives regulated under applicable law; (7) goods or services that encourage, promote, facilitate or instruct others to engage in illegal activity; (8) goods or services that are sexually oriented; (9) goods or services that promote hate, violence, racial intolerance, or the financial exploitation of a crime; (10) goods or services that defame, abuse, harass or threaten others; (11) goods or services that include any language or images that are bigoted, hateful, racially offensive, vulgar, obscene, indecent or discourteous; (12) goods or services that advertise, sell to, or solicit others; or (13) goods or services that infringe or violate any copyright, trademark, right of publicity or privacy, or any other proprietary right under the laws of any jurisdiction
I searched Chase for a similar clause and found this in relation to their bill pay services:
Merchant or Payee Limitation
We reserve the right to refuse to pay any Payee whom you may designate for a payment. We will
notify you promptly if we decide to refuse to pay a Payee designated by you. This notification is
not required if you attempt to pay tax or court related payments, make payments to Payees
located outside the United States or make any other payments prohibited by law, each of which is
prohibited under this Agreement.
I don't quite understand how this works but here's how I think it works: I can purchase a firearm or ammunition from a store or online retailer using a Capital One debit or credit card, but I cannot regularly schedule (use Capital Ones Bill Payment Feature) payments for the continued purchase of firearms or ammunition, or tobacco/prescription drugs/etc. but I could possibly use Chases Bill Pay Feature to do so . . .
Is my understanding of how this works correct?
If I purchased a firearm or lot of ammunition on layaway or upon a payment plan, putting down 20% of the money upfront, would I be able to schedule payments using Capital One's Bill Pay or would that be considered an improper use of the service? Or does it only apply to new purchases, ie I couldn't use the service to purchase 100 rounds of ammunition the 3rd of every month but I could use the service to pay the remaining balance on a firearm/lot of ammunition that I had already in my possession/purchased?
It would seem that Chase could refuse the use of their Bill Pay service for the same things that Capital One. My confusion here comes mainly from the fact that where Capital One has explicitly stated guidelines Chase has a single vague clause. I don't consider this to be a deal breaker as I don't purchase things I cannot afford to pay for on the spot, but it got me thinking.
For the mod(s): Not 100% sure where this belongs but Legal made the most sense to me . . . move it as you see fit
