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Should/Can I charge a General Contractor's Credit Card?

1634 Views 8 Replies 8 Participants Last post by  SectorSecurity
I subcontracted a job back on November 19, 2013. The GC gave me his CC info. for the initial 50% deposit to order screen doors.

Their project dragged on until February 10, 2014 when I was allowed to complete the installation. The site supervisor signed off on my invoice, stated he would submit the bill for payment.

Almost 6 weeks passed and the GC was contacted by phone on March 21, 2014, he personally said he would sign off and get payment right out.

How long is too long to wait for payment?

Question is should I wait another 5 business days - to make it 10 days, before I go ahead and charge the balance to that CC. Would there be legal ramifications if I were too?
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This is merely an opinion, and common sense. Without a signed authorization from the card holder or a confirmation of some sort, like an email, I would say he could reject it as unauthorized and perhaps report you to the district attorney for further charges.
If you have the screen doors and your contract says "x, y, and z", then I don't see why not. Not sure I would just "go ahead" with it though, sounds quite iffy.
That is a good question for your lawyer. To make it clear I will sometimes add language to the contract (especially on projects from out-of-state landlords) that the advance is charged to Visa ending ***x and on completion the final will be charged to Visa ***x. I would say I never charge a card without express permission. The card company may approve it but he may have recourse. Also consider the card or expiration may have changed.
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If he didn't authorize the card charge, he can dispute it. The card company will backcharge you since you have no authorization. :no:
CC fraud is not a good way to get paid.
If you have to ask, me thinks you already know the answer... :whistling

A more professional way of addressing it, is asking him "haven't gotten a check yet, should I just charge the card we have on file so we can wrap this up or should I stop by today for the check, which do you prefer?"...

He'll be out of excuses then...
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Its not a good idea to just charge a credit card because you have it on file, as stated you could end up with a chargeback. Also you need to be very careful in how you store credit card information from your customers. Look up PCI DSS compliance standards, and you will think twice about even keeping their credit card info.
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