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Charge put through as cash advance without telling me


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To keep the story brief, we were purchasing GAP insurance from a credit union in California. I had my check book in hand to pay for it, but I always ask if I can pay by card to get the points and they said yes.

Off they went and swiped my credit card, I signed the slip and went on my way.

I get my statement this month and discover that they put the transaction through as a cash advance on my credit card without telling me, which incurred a fee from my credit card issuer.

Can the person who swiped the card legally do that? Is it fair for me to assume that when I hand over my credit card it will be swiped as a credit transaction unless they specifically tell me otherwise?

Thanks in advance!

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