Billshark - What does it code as?

[Anonymous]

@Anonymous wrote:
Which credit card codes it as that?

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Capital One.

[DaveInAZ]

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@Dalmus wrote:

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@psm wrote:

I used a service through Nerdwallet called Billshark to lower my cable bill. They charge a fee and I am trying to find out what they code as to decide what card to use. Has anyone used them before?

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 I just used a similar service (Trim) that managed to get me a monthly $55 credit on my DTV bill for 12 months.  Believe me, I called several times before this and they wouldn't do anything except offer a $5 monthly credit and new equipment (which comes with a 24 month contract).

 You might want to look into Trim, first, as they only charge you 25% of your savings, vs Billshark's 40%.

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I just heard about Trim recently through my Facebook feed. Sounded interesting so I signed up - they wanted me to upload a PDF of a CC statement. Um, no thanks. But then I don't have really have any service contracts except for internet, and I use a company that only does interent, not a cable/phone company.  I use antenna for free broadcast TV supplemented by a month sub now & then for Sling, like for ESPN for the college football bowl games. I use Tracfone pre-paid for cell phone, as I'm fond of saying talking is the least thing I use my cell phone for, I use it much more on wi-fi.

[Dalmus]

Interesting... They wanted me to upload an image of the DirecTV bill, but since they negotiate on your behalf, that makes sense.

They never asked for a credit card statement image. You can link a credit card and have them monitor it the same way Prism Mint does, though.

[Revelate]

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@Anonymous wrote:

Please report back!  I just set up an MCC database and am going over my own credit card logins to see which banks actually report a category code.  I know US Bank does (you have to download a CSV spreadsheet though, **bleep**) and I assume Amex does but I don't see anything on Discover yet other than the generic "Category" in the transactions list, which I guess is good enough.

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Not sure which but I think you need 4ish seperate fields as Visa and MC code differently, and Amex does a third, and quite likely Discover a 4th.

Also not all stores in a chain code the same (Walmart / Target with grocery MCC or not)... it's really silly and awkward but I do appreciate your trying to put something together to help sort through the madness.