11-08-2012 08:21 PM
To get the cashback from shop discover, do we have to use a discover card or can we use a credit card from any other bank like case or citi?
11-08-2012 08:24 PM
11-08-2012 08:35 PM
I know the shop discover site says you need to use the discover card, but has anyone tried using a different card and see if they still got the cash back? I know the chase ultimate reward portal states the same thintg but I have successfully used citibank cards on it and gotten the cashback before.
11-08-2012 08:48 PM - edited 11-08-2012 08:50 PM
Is it just me or is that a bit of an odd question? That's sort of like asking will Toyota's warranty cover my Dodge. To answer your question: I've never tried going through ShopDiscover with a non-Discover card. It just doesn't make sense to me. Are you trying to take advtange of ShopDiscover without using a Discover card or something?
11-08-2012 09:02 PM - edited 11-08-2012 09:03 PM
I have minimum spending i need to meet on a card, so I wanted to know if I can knock out 2 birds with one stone. Doesn't look like its possible from what I found online.
11-08-2012 11:28 PM
The shopdiscover CB bonus is based on the charge on your statement - which means it has to be your discover card. What this means is that Discover is not getting validation from the merchant of your purchase. Instead, they record you clicking the shop discover link and then magically apply it to the charge if it matches the merchant that they recorded you clicking on. You clicking on the SD link is only half of the process - the charge transaction is the other required half.
I'm not clear on how they do this, and where they store the click information (maybe they use a tracking cookie then add it to the transaction data once it posts?), but that is the simple explanation I got from Discover about 3 months ago when I was questioning a certain ShopDiscover CB.
11-08-2012 11:34 PM
I tried it once with Target Redcard + ShopDiscover, didn't work. I believe ShopDiscover does require Discover card to be used.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.