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Missing bonus points through Square swipes

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Ghoshida
Valued Contributor

Missing bonus points through Square swipes

Dear fellow MyFICOers,

 

I'm not getting the category bonus when I'm buying coffee from a local cafe; this has happened on both my Cash+ and my CSP. This establishment (across all its branches in my city) uses Square iPad readers. The transactions don't show up as dining / fast food on either card.

 

Is this a coding problem? Is this a Square problem?

Is there a way I could get the bonus points (and make sure that I get them in future too)? 

Message 1 of 11
10 REPLIES 10
yfan
Valued Contributor

Re: Missing bonus points through Square swipes

It is a coding problem. I have a local coffee shop I like as well, and they too use Square, but my transactions post correctly under cafe/restaurants category and I get my extra cashback.

Message 2 of 11
SunriseEarth
Moderator Emeritus

Re: Missing bonus points through Square swipes


@Ghoshida wrote:

Dear fellow MyFICOers,

 

I'm not getting the category bonus when I'm buying coffee from a local cafe; this has happened on both my Cash+ and my CSP. This establishment (across all its branches in my city) uses Square iPad readers. The transactions don't show up as dining / fast food on either card.

 

Is this a coding problem? Is this a Square problem?

Is there a way I could get the bonus points (and make sure that I get them in future too)? 


What are they showing up as?   Coding varies with every business, and sometimes it doesn't always make sense.   For example, the Circle K near me codes as Gas, although they haven't sold gas in years.   When I ate at ESPN Zone recently, it coded as "Entertainment - Theatrical Events" instead of "Restaurants," so that irked me.  



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Message 3 of 11
kevinjjc
Valued Contributor

Re: Missing bonus points through Square swipes

It's because of how they're coded with Square.

Message 4 of 11
takeshi74
Senior Contributor

Re: Missing bonus points through Square swipes


@yfan wrote:

It is a coding problem. I have a local coffee shop I like as well, and they too use Square, but my transactions post correctly under cafe/restaurants category and I get my extra cashback.


Same here.  My favorite coffeeshop uses Square and is properly coded for rewards.

Message 5 of 11
Ghoshida
Valued Contributor

Re: Missing bonus points through Square swipes


@SunriseEarth wrote:



What are they showing up as?   Coding varies with every business, and sometimes it doesn't always make sense.   For example, the Circle K near me codes as Gas, although they haven't sold gas in years.   When I ate at ESPN Zone recently, it coded as "Entertainment - Theatrical Events" instead of "Restaurants," so that irked me.  


Not sure what they're showing up as. On these 2 cards (CSP, Cash+) I can see the transaction and the points earned (current statement, not posted). The square transactions are not getting coded as dining - I know this because they're not eligible for the extra points. 

 

How can I figure out what they are coded as (on these two cards)? Should I use another card (Discover / Cap One) to figure out?

 


@takeshi74 wrote:

@yfan wrote:

It is a coding problem. I have a local coffee shop I like as well, and they too use Square, but my transactions post correctly under cafe/restaurants category and I get my extra cashback.


Same here.  My favorite coffeeshop uses Square and is properly coded for rewards.


 

So, basically it's the establishment that's at fault here. Granted. What's the general principle here: should I ask the CSRs to manually add points? Do the Cash+ and/or CSP CSRs accept such requests? Or should I just use Cap One Q/S at this establishment and forget about it?

 

I visit this place once or twice a month; they're a decent place when I don't want to visit Starbucks. I wouldn't like to push CSRs each time.

Message 6 of 11
SunriseEarth
Moderator Emeritus

Re: Missing bonus points through Square swipes

I honestly think the CCC would push back and say the business is at fault for not coding correctly.   I'd probably just see how it codes using your QS.  



Start: 619 (TU08, 9/2013) | Current: 804 (TU08, 10/07/25)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Disney Premier VS $52000 | Discover IT $46000 | NFCU cashRewards Plus WMC $33000 |Venmo VS $30000 | Cash+ VS $30000 | Macy's AMEX $25000 | Ralphs Rewards WEMC $25000 | Synchrony Premier $24,200 | Citi Custom Cash MC $22600 | GS Apple Card WEMC $22000 | WF Attune WEMC $22000 | Freedom Flex WEMC $18000 | Amazon VS $15000 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Sephora VS $11900 | Belk MC $10000 | Rakuten AMEX $10000 | Wayfair MC $9500 |~~
Message 7 of 11
Ghoshida
Valued Contributor

Re: Missing bonus points through Square swipes


@SunriseEarth wrote:

I honestly think the CCC would push back and say the business is at fault for not coding correctly.   I'd probably just see how it codes using your QS.  


Thanks. Will check and report back.

Message 8 of 11
NRB525
Super Contributor

Re: Missing bonus points through Square swipes

Stupid question: If you are trying to meet spend for bonus points, is a cup of coffee moving the needle?

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April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 9 of 11
Ghoshida
Valued Contributor

Re: Missing bonus points through Square swipes


@NRB525 wrote:

Stupid question: If you are trying to meet spend for bonus points, is a cup of coffee moving the needle?


I didn't ask about spend. I asked about getting points for dining. My CSP spend needs were met within a month, and Cash+ has no such requirement.

Message 10 of 11
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