Member
jdsteel731
Posts: 22
Registered: ‎10-04-2012
Re: Discover card Cash advances?

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.

Senior Contributor
jsucool76
Posts: 3,972
Registered: ‎12-11-2011
Re: Discover card Cash advances?

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...

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Frequent Contributor
SwampSystems
Posts: 358
Registered: ‎06-25-2012
Re: Discover card Cash advances?

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.

Frequent Contributor
AF_23
Posts: 288
Registered: ‎02-06-2012
Re: Discover card Cash advances?

SwampSystems wrote:

jdsteel731 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

Senior Contributor
jsucool76
Posts: 3,972
Registered: ‎12-11-2011
Re: Discover card Cash advances?

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 :smileytongue: If you're not doing that then it's all good :smileytongue: 

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Valued Contributor
maiden_girl
Posts: 2,110
Registered: ‎12-29-2011
Re: Discover card Cash advances?

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!

 

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Senior Contributor
jsucool76
Posts: 3,972
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. 

;
Valued Contributor
maiden_girl
Posts: 2,110
Registered: ‎12-29-2011
Re: Discover card Cash advances?

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

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Established Contributor
migliogiorni
Posts: 657
Registered: ‎06-27-2012
Re: Discover card Cash advances?

it's a really cool feature I like it and have used it twice.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
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JCP: 4.9k
citiForward: 4.7k
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