Looks Like My TD Bank Easy Rewards Card Got Upgraded to Visa Sig!

[Open123]

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@FutureBillionaire wrote:

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@Open123 wrote:

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@longtimelurker wrote:

Did you get this card with the 5x offer on dining, groceries, gas and cable, phone and utility bill payments for 6 months with no caps?  

Not sure why this card isn't mentioned more here, even though the above lasts only 6 months, used correctly (or incorrectly, depending on your views!) this outweighs most bonuses and justifies a HP.   If it's still there, my next card once the Thank You Preferred runs out.....

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+1

Anyone with a cooperative CVS should really look into this card.  

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Don't you mean uncooperative?

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Yes, I should have, but I had mistakenly assumed the TD card granted the 5X in drugstores, which it doesn't.  So, I did mean "cooperative," but I should have meant "uncooperative."  

[Open123]

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@longtimelurker wrote:And, while some people are reluctant to risk getting banned from Citi , getting banned from TD is more acceptable....

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LOL...right, an apt reaction to being banned from TD would be "whatever."

[longtimelurker]

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@Open123 wrote:

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@FutureBillionaire wrote:

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@Open123 wrote:

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@longtimelurker wrote:

Did you get this card with the 5x offer on dining, groceries, gas and cable, phone and utility bill payments for 6 months with no caps?  

Not sure why this card isn't mentioned more here, even though the above lasts only 6 months, used correctly (or incorrectly, depending on your views!) this outweighs most bonuses and justifies a HP.   If it's still there, my next card once the Thank You Preferred runs out.....

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+1

Anyone with a cooperative CVS should really look into this card.  

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Don't you mean uncooperative?

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Yes, I should have, but I had mistakenly assumed the TD card granted the 5X in drugstores, which it doesn't.  So, I did mean "cooperative," but I should have meant "uncooperative."  

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Some recent posts suggest the CVS corporate policy is now that they must accept credit cards for reloadable cards and the purchase limit is $5k per day. 

This may or may not be true, but practically it might be similar to telling a store abroad that is insisting on chip&pin: "Visa rules say you HAVE to take this swipe card"

[Open123]

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@longtimelurker wrote:

Some recent posts suggest the CVS corporate policy is now that they must accept credit cards for reloadable cards and the purchase limit is $5k per day. 

This may or may not be true, but practically it might be similar to telling a store abroad that is insisting on chip&pin: "Visa rules say you HAVE to take this swipe card"

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When it comes to policies such as this (or, the check ID thing), the reason I prefer uniformity is to keep subjectivity out of policy implementation. 

For example, this weekend I was on my way to a birthday party.  I stopped into an Office Max to purchase GCs, and for once it wasn't for cheesing, but an actual gift. However, I was wearing workout clothes and a baseball cap, and the Supervisor and cashier decides I look too much like a "crook" to use a credit card insisting I use the ATM.

Ordinarily, I'd just leave.  Why bother wasting time with these people right?  But, this time, I had to get to the party, and didn't have time to go elsewhere.  So, I politely asked for their names, business cards, and assured them I will write to their Corporate office, my State's AG office, and finally Visa & Amex on multiple T&C violations.

Of course, they ran the purchase, but wasted 15 minutes of my time.

Uniformity is best, either allow it or not; lest we'd really like to have minimum wage employees (not to disparage hard working minimum wage employees) deciding on their whims to whom these policies apply.

[SnackTrader]

Eye-opening story, Open. I have never heard of such difficulties with GCs before. But, I also don't frequent many other forums that would inevitably convince me to alter behavior patterns for some additional rewards. My greedy/addictive/thrifty personality has its limitations, and I would rather not tempt it.

[Open123]

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@SnackTrader wrote:
Eye-opening story, Open. I have never heard of such difficulties with GCs before. 

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In the city where I live, Walgreens hasn't allowed a Visa/MC/Amex GC credit card purchase for the past 10 years, which is fine because there is uniformity.  

The issues arise when stores lack a coherent policy leaving it up to the store manager and cashiers to decide at their discretion.  Without a uniform policy for each respective merchant (either yay, or nay), we leave our ability make a purchase with a form of payment that is entirely at the whims and discretion of a store's casher and manager.

Am I the only one who thinks this is insane?  Heck, if VRs are so valuable, what's to stop an enterprising cashier from accepting a "rebate" to charge the purchase? 

[longtimelurker]

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@Open123 wrote:

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@SnackTrader wrote:
Eye-opening story, Open. I have never heard of such difficulties with GCs before. 

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In the city where I live, Walgreens hasn't allowed a Visa/MC/Amex GC credit card purchase for the past 10 years, which is fine because there is uniformity.  

The issues arise when stores lack a coherent policy leaving it up to the store manager and cashiers to decide at their discretion.  Without a uniform policy for each respective merchant (either yay, or nay), we leave our ability make a purchase with a form of payment that is entirely at the whims and discretion of a store's casher and manager.

Am I the only one who thinks this is insane?  Heck, if VRs are so valuable, what's to stop an enterprising cashier from accepting a "rebate" to charge the purchase? 

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It's insane (well, perhaps too strong a word), but to the hardcore, it also adds to the thrill of the hunt!  "If I am lucky enough to find a store with them in stock, will I find a cashier that will let me use a credit card?"   If Manufactured Spend was a real job, this would suck, but as a hobby, part of the price I guess.