topic Re: Local wallks into a local Barn that sells... in Personal Finance

Local wallks into a local Barn that sells...

SummerOf17 — Wed, 19 Dec 2018 20:15:42 GMT

So what to use?

Being strapped with an inch thick walllet, but not telling anyone, which card to use?

Is there a source, locality based thingy that will tell you plussesesses and gimminks to avoid when using a card for a reason?

Love,

Summer.

Re: Local wallks into a local Barn that sells...

Shadowfactor — Wed, 19 Dec 2018 20:22:08 GMT

I don’t understand what you are asking at all ?

Re: Local wallks into a local Barn that sells...

Pikaboo-icu — Wed, 19 Dec 2018 20:25:04 GMT

@Shadowfactor wrote:
I don’t understand what you are asking at all ?

Me neither..

I thought twas a joke at first..

OP If you're asking what CARD to use..

Use one on which you're trying to fulfill a sub.

Or the one with the best cash back..

As far as a site that focuses on local exactly, IDK if that exists but I think there is/was an APP for which cards to use for what type of purchase.

Perhaps somebody can share that.

Re: Local wallks into a local Barn that sells...

Anonymous — Wed, 19 Dec 2018 20:31:31 GMT

Has anyone really been far even as decided to use even go want to do look more like?

Re: Local wallks into a local Barn that sells...

SummerOf17 — Wed, 19 Dec 2018 20:33:59 GMT

There are 5 stores a front of you. I walk into one and get a pack of gum and a beer(5%), where next door a bag of Chips and a COLA are 1%..

Where to get most for your buck when it comes using CCs, Rewards, points, etc. I mean Locality.

Is there a source of data when trying to locate a proper source before shooting blanks at a spot?

Re: Local wallks into a local Barn that sells...

Remedios — Wed, 19 Dec 2018 20:36:47 GMT

@SummerOf17 wrote:
There are 5 stores a front of you. I walk into one and get a pack of gum and a beer(5%), where next door a bag of Chips and a COLA are 1%..

Where to get most for your buck when it comes using CCs, Rewards, points, etc. I mean Locality.

Is there a source of data when trying to locate a proper source before shooting blanks at a spot?

Sure there is, merchant category codes

Re: Local wallks into a local Barn that sells...

Remedios — Wed, 19 Dec 2018 20:38:58 GMT

or haiku version

Famous bright fico
A proper, big forum helps
above the question

Re: Local wallks into a local Barn that sells...

Pikaboo-icu — Wed, 19 Dec 2018 20:39:05 GMT

Well I believe one store is just as good as the next.

I will say this: Do NOT let your cards dictate what you buy and where you buy it!

Shop/spend organically. If the card isn't working for you, find a different card.

Re: Local wallks into a local Barn that sells...

SummerOf17 — Wed, 19 Dec 2018 20:40:58 GMT

--Has anyone really been far even as decided to use even go want to do look more like?--

+1, count me in!

---

Sure there is, merchant category codes

---

Where, Where? Is that per card?

Re: Local wallks into a local Barn that sells...

K-in-Boston — Wed, 19 Dec 2018 20:56:34 GMT

If you're asking if there's a way to tell prior to a purchase how that particular merchant will code for rewards, then the answer is "yes, if it is a Visa." https://www.visa.com/supplierlocator-app/app/#/home/supplier-locator will show you how every merchant accepting Visa cards codes their MCC. MasterCard and Discover should in theory code similarly since they would normally be set up at the same time as Visa with the merchant's credit card processing account.

Edit: @Remedios beat me to the punch while I was typing.

Re: Local wallks into a local Barn that sells...

SummerOf17 — Wed, 19 Dec 2018 20:49:29 GMT

@K-in-Boston

Boom! Thank you so much, exactly what I needed.

Always.

Summer.

Re: Local wallks into a local Barn that sells...

Anonymous — Wed, 19 Dec 2018 20:57:07 GMT

@K-in-Boston wrote:
If you're asking if there's a way to tell prior to a purchase how that particular merchant will code for rewards, then the answer is "yes, if it is a Visa." https://www.visa.com/supplierlocator-app/app/#/home/supplier-locator will show you how every merchant accepting Visa cards codes their MCC. MasterCard and Discover should in thoery code similarly since they would normally be set up at the same time as Visa with the merchant's credit card processing account.

Edit: @Remedios beat me to the punch while I was typing.

I think OP is starting earlier in the process than that. What I believe is being asked, and this sounds not likely at present:

I am point X, have the following set of cards and what to purchase thing of type Y (e.g. grocery). Which of the nearby stores is best for this and which card to use?

ETA: looks like some apps claim to do something like this, e.g. http://www.maxivu.com/

Re: Local wallks into a local Barn that sells...

coldfusion — Wed, 19 Dec 2018 21:23:01 GMT

Wallaby tried to do this - you'd load the application with your cards and it would make a recommendation on which card to use in order to maximize the rewards based upon the business. If I understand it correctly when the app was shut down the functionality was merged with TPG To Go.

I can't comment about TPG To Go as I've never tried it (and given that TPG is behind it odds are I never will).

Re: Local wallks into a local Barn that sells...

UncleB — Wed, 19 Dec 2018 21:39:18 GMT

Moving thread to 'Personal Finance' since there are mobile apps that can assist with the question that (I think) the OP is asking.

--UB

Re: Local wallks into a local Barn that sells...

SummerOf17 — Wed, 19 Dec 2018 22:58:00 GMT

@coldfusion: awsome, thanks!

That <cfquery blockFactor="nn"/> put me at a proper path at this point, if u know what I mean!

Re: Local wallks into a local Barn that sells...

joltdude — Thu, 20 Dec 2018 22:10:50 GMT

Even though it has the TPG to go labeling, basically its the wallaby app... Works pretty well.. And im not into TPG/points games anyhow and its still useful for cashback cards..

Its helped me catch a few 5% offers i didn't quite realize but would get 2% on anyhow...

-J