No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Oh yeah, because you get CB because the transfers are considered purchases huh? I can see where you're coming from though, PayPal may become suspicious if they see $200~$1000 of transfers from the same individual every month, lol.
I wouldn't recommend doing that, as it against the T&Cs of your card, and, I don't think stuff like that should be talked about on the forums because it usually gets a thread locked.
Although, I didn't know you could get "Cash Back" at a store with a credit card (with the exception of things like the walmart credit card @ walmart). The only way I could think of would be to run it as a debit and put in your PIN, but I didn't know you could do that either, and if you did, wouldn't discover realize it since it is a PIN based transaction and automatically put it on your statement as a cash advance? Which would then result in you being charged a cash advance fee...
@jsucool76 wrote:I wouldn't recommend doing that, as it against the T&Cs of your card, and, I don't think stuff like that should be talked about on the forums because it usually gets a thread locked.
Actually, I called them twice before I started doing it and asked very specifically if it was against the terms and conditions. They said that as long as I am not sending the money to myself, it is not against the terms and conditions. So I send it to someone else who then withdraws it and hands it to me. I have reason to be sending that person money anyway, so there is plausible deniability if they ever decide to question it.
@jsucool76 wrote:@Although, I didn't know you could get "Cash Back" at a store with a credit card (with the exception of things like the walmart credit card @ walmart). The only way I could think of would be to run it as a debit and put in your PIN, but I didn't know you could do that either, and if you did, wouldn't discover realize it since it is a PIN based transaction and automatically put it on your statement as a cash advance? Which would then result in you being charged a cash advance fee...
It's called Cash Over Purchases and is supported at select retailers. I do not know if Cash Over generates rewards.
@SwampSystems wrote:
@Anonymous wrote:Oh really? Thanks for the clarification. Then in that case, if you have a nice friend/relative who would be willing to help you out, you could always send money to them.
I've been doing it for a few months now to generate rewards. It's risky though. Honestly I would expect PayPal to shut you down for suspicious behavior before Discover would do anything about it.
Be thankful they're not like AmEx lol. F/R would follow immediatly
@SwampSystems wrote:
@jsucool76 wrote:I wouldn't recommend doing that, as it against the T&Cs of your card, and, I don't think stuff like that should be talked about on the forums because it usually gets a thread locked.
Actually, I called them twice before I started doing it and asked very specifically if it was against the terms and conditions. They said that as long as I am not sending the money to myself, it is not against the terms and conditions. So I send it to someone else who then withdraws it and hands it to me. I have reason to be sending that person money anyway, so there is plausible deniability if they ever decide to question it.
@jsucool76 wrote:@Although, I didn't know you could get "Cash Back" at a store with a credit card (with the exception of things like the walmart credit card @ walmart). The only way I could think of would be to run it as a debit and put in your PIN, but I didn't know you could do that either, and if you did, wouldn't discover realize it since it is a PIN based transaction and automatically put it on your statement as a cash advance? Which would then result in you being charged a cash advance fee...
It's called Cash Over Purchases and is supported at select retailers. I do not know if Cash Over generates rewards.
I meant specifically sending it to yourself If you're not doing that then it's all good
@SwampSystems wrote:
@jsucool76 wrote:I wouldn't recommend doing that, as it against the T&Cs of your card, and, I don't think stuff like that should be talked about on the forums because it usually gets a thread locked.
Actually, I called them twice before I started doing it and asked very specifically if it was against the terms and conditions. They said that as long as I am not sending the money to myself, it is not against the terms and conditions. So I send it to someone else who then withdraws it and hands it to me. I have reason to be sending that person money anyway, so there is plausible deniability if they ever decide to question it.
@jsucool76 wrote:@Although, I didn't know you could get "Cash Back" at a store with a credit card (with the exception of things like the walmart credit card @ walmart). The only way I could think of would be to run it as a debit and put in your PIN, but I didn't know you could do that either, and if you did, wouldn't discover realize it since it is a PIN based transaction and automatically put it on your statement as a cash advance? Which would then result in you being charged a cash advance fee...
It's called Cash Over Purchases and is supported at select retailers. I do not know if Cash Over generates rewards.
Yea, I looked up the cash over thing via Discover and its not supported by all retailers...not like Target or anything. I noticed it was just grocery stores on the list. Anyway I'm not sure if a cash over purchase is treated as a cash advance. LOL. I've never used a cash advance...its confusing!
@maiden_girl wrote:
@SwampSystems wrote:
@jsucool76 wrote:I wouldn't recommend doing that, as it against the T&Cs of your card, and, I don't think stuff like that should be talked about on the forums because it usually gets a thread locked.
Actually, I called them twice before I started doing it and asked very specifically if it was against the terms and conditions. They said that as long as I am not sending the money to myself, it is not against the terms and conditions. So I send it to someone else who then withdraws it and hands it to me. I have reason to be sending that person money anyway, so there is plausible deniability if they ever decide to question it.
@jsucool76 wrote:@Although, I didn't know you could get "Cash Back" at a store with a credit card (with the exception of things like the walmart credit card @ walmart). The only way I could think of would be to run it as a debit and put in your PIN, but I didn't know you could do that either, and if you did, wouldn't discover realize it since it is a PIN based transaction and automatically put it on your statement as a cash advance? Which would then result in you being charged a cash advance fee...
It's called Cash Over Purchases and is supported at select retailers. I do not know if Cash Over generates rewards.
Yea, I looked up the cash over thing via Discover and its not supported by all retailers...not like Target or anything. I noticed it was just grocery stores on the list. Anyway I'm not sure if a cash over purchase is treated as a cash advance. LOL. I've never used a cash advance...its confusing!
It says at the bottom under the "FAQ" that there is no fee, it isn't considered a cash advance, and it shows up as part of your purchase.
@jsucool76 wrote:
@maiden_girl wrote:
@SwampSystems wrote:
@jsucool76 wrote:I wouldn't recommend doing that, as it against the T&Cs of your card, and, I don't think stuff like that should be talked about on the forums because it usually gets a thread locked.
Actually, I called them twice before I started doing it and asked very specifically if it was against the terms and conditions. They said that as long as I am not sending the money to myself, it is not against the terms and conditions. So I send it to someone else who then withdraws it and hands it to me. I have reason to be sending that person money anyway, so there is plausible deniability if they ever decide to question it.
@jsucool76 wrote:@Although, I didn't know you could get "Cash Back" at a store with a credit card (with the exception of things like the walmart credit card @ walmart). The only way I could think of would be to run it as a debit and put in your PIN, but I didn't know you could do that either, and if you did, wouldn't discover realize it since it is a PIN based transaction and automatically put it on your statement as a cash advance? Which would then result in you being charged a cash advance fee...
It's called Cash Over Purchases and is supported at select retailers. I do not know if Cash Over generates rewards.
Yea, I looked up the cash over thing via Discover and its not supported by all retailers...not like Target or anything. I noticed it was just grocery stores on the list. Anyway I'm not sure if a cash over purchase is treated as a cash advance. LOL. I've never used a cash advance...its confusing!
It says at the bottom under the "FAQ" that there is no fee, it isn't considered a cash advance, and it shows up as part of your purchase.
Thanks. I was on the site for about 15 minutes this morning trying to find that...smh
it's a really cool feature I like it and have used it twice.