Is it U to ask the local Chinese Takeaway for "tick"

[cheekyornot]

Local Chinese we've used for years (take away once every 2-3 months)
They recognise us when we go in and have our details on file (when we phone up they know it's us on their system)
They only take cash and have no card payments either in shop or over phone.
Dh stopped in tonight from work to pick up our takeaway that I'd phoned in earlier. Once he got there and went to the cash point next door and realised he had forgot his bank card and only had his credit card so would need to come home first to get a card.
I told him to pop in and ask if he could take the food and we'd drop off the money tomorrow. Obviously if they said no there would be no problem but considering they "know" us I couldn't see the harm in asking.
Dh, who is quite socially awkward, goes in a strop saying that's ridiculous and no way would they agree, you wouldn't try that at Tesco etc?
I agree you wouldn't do it at Tesco/McDonald's but feel this is different and think they would rather give regular customers hot food rather than them coming in half an hour later to pick up cold food?
In the end he withdrew money from his credit card which I think was stupid rather than asking them first if we could pop in tomorrow
I know this is boring first world problems but would you have asked in this case?

@cheekyornot in these circumstances I would ask. you ordered the food in good faith and it was beyond your control that you couldn’t bring cash. I’m sure they’ve had it before, what are they going to do, throw out your food?
It’s happened a couple of times in my local shop, just yesterday I popped in for something , it was less than their card limit allowed and they let me off. No probs, I went in today and repaid them. No drama!

I'm going against the grain @cheekyornot I agree with you. Of course the 'Chinese takeaway situation' is not the same as Tesco! As you say you are often on friendly and first name terms. It's the same with the local corner shop I've actually been fifty pence short there sometimes (or a pound or two,) and the owner/assistant says 'just drop it off when you come in tomorrow or when you pass.'

If they deal with cash only, I'm absolutely sure if your husband popped in and said 'I've come without my money shall I just take the food now and pop the money back later? or shall I go and get the money now?' I'm 100% convinced they'd say 'just take it and drop money off when you're ready.'

I can't believe people say it's ridiculously cheeky and ludicrously awful, and you should never have asked. FFS what's wrong with people. If you're regular customers, and they know you, and you have a Chinese takeaway there every couple of months, and they've got your details down and everything, they absolutely would have been OK with your DH just dropping the money off later or the next day. Your husband's being unreasonable and so are many posters on this thread.

They 'know' you and value you as local customers -that's their job.
You may be interpreting the familiarity as being personal?
Please don't ask small independents for favours. I can't imagine you'd ask the same of a cleaner or hairdresser.

On reflection I'm wondering if growing up in a small Scottish village has made me a bit of a cheeky fucker, things like everyone popping into the newsagents whenever they had to chance to pay for their papers (could be weeks in arrears) or sending children in later on to pay off the balance of something your parents were short for.
The Chinese in question ended up being our local as when we first moved in and had a lot of family around helping us I called them to ask if a driver could post a menu through the door if passing and they would get a big order out it (this was about 10 years ago when you didn't always get menus online) the driver did drop off a menu and the meal was amazing so we've used them ever since. I bet they've always had my marked on my "vip list" as a cheeky fucker 🙈

I wouldn't embarrass them or me by asking. I don't think going somewhere every 2/3 months is that regular either. If you were in every Friday then maybe (I still wouldn't ask though).

Apologies for typos, I'm enjoying Paul McCartney at Glasto with wine and prawn crackers 🍷

In 2022 it costs between 3-37p per card transaction to pay by card on a system like Sum Up.

At 3 pence per transaction, assuming an average of about 80 customers a day, that’s over 600 quid a year in transaction fees. At 37p per transaction that’s over 7 and a half grand in fees. That’s a lot of profit to lose for a small business.

So I refuse to pay ‘cash only’ anymore as they’re just swindling HMRC… which in the end effects our NHS, schools, roads etc.

You’re having a laugh, surely? You think paying by cash means they can avoid HMRC? If it were that easy, no business would take card payments ever.

@BoredZelda I see a lot of businesses committing fraud.
Sum up fees are 1.69% per transaction. I can assure you I am not having a laugh.
do you run a business?

Growing up in a small Scottish village is no reason to be a CF. I grew up in (and still live in the village) I would never dream of asking a takeaway to give me food without paying.

I would not ask if I could have a take away on tick unless my parents ran the take away.

I think asking them to hand deliver a menu is cheeky too. I would have gone and got a menu myself.

I probably would have said I need to go and get cash and see what they said but I wouldn't have asked
My local garage lets me pay later, last time I forgot my card was when I still smoked, I had put fuel in. He eye rolled, gave me my usual cigarettes and told me to pay next time. But I've been using them 15 years, at least once a week

Of course I would. Mumsnet is weird about money. I have a shop and from time to time people I know ask me for tick in this type of context. And yes, i have the same sign. I usually say yes (depending on the person, how well I know them etc)

Actually, average costs are between 1.3% - 3.5% of the transaction. Businesses on a tight margin may therefore prefer to avoid gifting this to the credit card companies

It would have been cheeky, you only use them every few months.

gosh no, I wouldn’t ask that.

Offers like this (you can pay later) need to come from the shopkeeper, not the customer.

In 2022 it costs between 3-37p per card transaction to pay by card on a system like Sum Up.
So I refuse to pay ‘cash only’ anymore as they’re just swindling HMRC… which in the end effects our NHS, schools, roads etc.
We need to make cash only payments socially unacceptable.
One of the ‘best in the UK’ fish and chip shops was cash only I went into last week, walked right out.

Please explain how this is 'swindling' HMRC. You do realise that card payment providers are businesses in their own right and make a propotionately much larger profit on small independent businesses than larger companies?!

I think if you we’re going to pay them back & had a genuine reason why you didn’t have cash, then yes, I’d ask.
they would surely prefer your repeat custom than to loose you. Oh

Definitely not

If I had no way of getting cash, and was feeling particularly confident, I might consider asking if I could pay the next day - but with the knowledge they'd almost certainly say no. If, like your husband, I had a credit card on me, I'd definitely use that.

Most of my relatives live in a friendly little village and I know what you mean about the village shop. But most people go to the village shop nearly every day, and even if you tried to avoid going back to pay, you'd definitely bump into the shopkeeper in the village square. A takeaway you only go to a few times a year is quite different.

God no I wouldn’t do this, my local Chinese take away is the same cash only and they wouldn’t even let a woman off 50p the other day, she asked me for the money as they wouldn’t let her off without paying 50p

I don't get it. How is this a cheeky fucker. Would everyone rather realise they didn't have money, ignore the shop and let the food be wasted.
Obviously not perfect but surely that's making the best of a bad situation, and if the Chinese doesn't like it they can bin the food

I do wonder whether businesses insisting on cash only payment are declaring all their earnings or involved in money-laundering in some way. It's also riskier for them as it's common knowledge they only take cash so are very likely to have cash on the premises overnight.

I would ask. Exactly same thing happened to to us. We asked, they said yes and we went in and paid them the next day. I think it’s fine to ask, they are under no obligation to say yes.

No, never would I ask for credit.