topic Re: How does discover work categories in Credit Cards

How does discover work categories

Anonymous — Thu, 29 Dec 2011 06:23:36 GMT

I have a discover more card and the rotating categories right now thru end of year I get 5% on rest fashion and department stores but my question is I am always shopping at target and on my statement it says merchandise. Would target be considered department store because if so I have hit my cap on this quarters cats and will be happy please tell me if this is the case

Re: How does discover work categories

Anonymous — Thu, 29 Dec 2011 06:36:41 GMT

I think your best choice would be to call up Discover and ask them what they consider Target. It's not like it's a small chain, so someone there should know what it gets coded as on their end.

My assumption (that I base on absolutely nothing) is that they get coded as the same as chains like Meijer and Walmart. So I doubt they'll qualify as a department store. For department stores, I'd think places like Macy's or Nordstroms would count.

Best choice is to call them up! Discover's reps that I spoke to so far were all really nice, so I'm sure they can help you, especially since Target is such a big chain.

Re: How does discover work categories

-Cain- — Thu, 29 Dec 2011 07:02:45 GMT

I think your statement shows it as Discover considers it, so merchandise would probably not fall into department stores category. If you call Discover, let us know what they say.

Re: How does discover work categories

Anonymous — Thu, 29 Dec 2011 15:48:57 GMT

I'd be surprised if a Discover representative (who are always described as "nice") would give you a precise and cogent answer to that question. I would be surprised if they even know. They probably switch you back and forth from their X center in State X, USA to their Y center in State Y, USA. But hey, I like to be surprised. Someone go and call up Discover and prove me wrong!v

Re: How does discover work categories

CreditMuppet — Thu, 29 Dec 2011 16:14:47 GMT

@Anonymous wrote:
I have a discover more card and the rotating categories right now thru end of year I get 5% on rest fashion and department stores but my question is I am always shopping at target and on my statement it says merchandise. Would target be considered department store because if so I have hit my cap on this quarters cats and will be happy please tell me if this is the case

Stores like Walmart and Target tend to be listed as Discount Stores. I doubt Target is considered a department store, so you probably wont see 5% on spend for those purchases.