Valued Contributor
jsucool76
Posts: 2,770
Registered: ‎12-11-2011
Re: Discover card Cash advances?

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. 

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL