Earn 3% on everything using one card -Dead !-

[patoot10]

You are welcome.

This topic is basically my gift back to the whole credit community for helping me with so much knowledge.

[Anonymous]

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@patoot10 wrote:

You are welcome.

This topic is basically my gift back to the whole credit community for helping me with so much knowledge.

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Yes, thanks patoot10, and I am glad you persisted among the initial disbelief in this thread!

Saeren: make sure you do the silly necessary extra step of signing up for cashback on the debit card.   It doesn't do it by default

[Anonymous]

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@patoot10 wrote:

You are welcome.

This topic is basically my gift back to the whole credit community for helping me with so much knowledge.

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It’s a great gift, you just saved me from having to add another card to my wallet to get 3% back on groceries (I’m going to switch my BBVA card to groceries next quarter and make this card my utilities card) so it’s greatly appreciated. 

I read the terms and see there is a $3000 purchase limit daily which I’ll never hit and the card even has MasterCard extended warranty and purchase protection benefits too! I imagine that gets somewhat tangled up if you use it with a credit card as the funding source though so for anything major I’ll probably just forgo the extra 1%. There are some impressive features for a debit card though, that’s for sure!

@Anonymous wrote:

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@patoot10 wrote:

You are welcome.

This topic is basically my gift back to the whole credit community for helping me with so much knowledge.

---

Yes, thanks patoot10, and I am glad you persisted among the initial disbelief in this thread!

Saeren: make sure you do the silly necessary extra step of signing up for cashback on the debit card.   It doesn't do it by default

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Yup I read the whole terms and conditions. A minor thing but I’ll make sure to do it.

[Anonymous]

@Saeren: HP TU AND SP EQ??? Seriously?
I thought only capital one pulled two reports for one app !

[Anonymous]

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@Anonymous wrote:
@Saeren: HP TU AND SP EQ??? Seriously?
I thought only capital one pulled two reports for one app !

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SP isn’t a big deal, only you see those anyway and they have no scoring impact. 

I just checked and Sync SP EQ on 12/25/2018 for an Account Review... but that’s interesting because I didn’t ask for my first card with them until 12/30 so I wonder if EQ has the date mixed up somehow. It’s the only SP from Sync so that has to be for my Amazon Store Card. Since I went for the PayPal within 2 weeks, it wouldn’t make sense to do a second SP AR since my TU was no longer low. 

By the way, Capital One hard pulls each bureau and Chase often hard pulls two as well. Technically a creditor can pull all three if they wish to do so, it’s just currently Capital One that chooses to. 

[Anonymous]

@Saeren: yes I’m aware they can, but capital one is the only creditor I know that does pull all three… Actually last year I had both Discover and Citibank hard pull both Experian and Equifax. Yes, an SP does not bother me in the least.

[Anonymous]

Question for those with more experience with this setup!

I made a purchase with the debit card, with backup funding through the PPCB card.       Turns out it was an over-payment and the vendor credited the entire charge.    This now appears as money in my Paypal account, and doesn't appear to get sent back to the credit card.

Is that what other people have found?   If so, I made just over $4 from PPCB, riches beyond the dreams of .....

[patoot10]

^^

This makes sense since the merchant doesn't know anything about the credit card and their systems only have the debit card number

[Anonymous]

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@patoot10 wrote:

^^

This makes sense since the merchant doesn't know anything about the credit card and their systems only have the debit card number

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I realize that, but I thought at least in theory Paypal could make the connection (especially when the refund was the same as the original charge) and send it to the card as a credit.   But I guess they don't bother, as the "excess" reward is Synchs problem and not theirs!

[Anonymous]

LOL