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US Bank Cash+ MCC coding conundrum

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NRB525
Super Contributor

Re: US Bank Cash+ MCC coding conundrum


@Remedios wrote:

Xfinity (cable, internet) and Xfinity mobile will not be in the same category.

I never looked at how either one codes,  tried both under TV/internet blah blah blah and mobile got one baby point per dollar. 

That was about two years ago, not sure if it changed since. 

 

 


We have Xfinity landbased internet/ cable also, which shows 4899. I have both TV/Streaming and Utilities as Cash+ categories on one card this quarter and these 4899 codes are getting 5%. Now I wonder if that is as Home Utilities or as TV Internet and Streaming. 

So, the question I have; does anyone have a Cash+ charge of code 4899 and categories of Utilities and something other than TV/Streaming _and_ getting 5%?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 21 of 35
Anonymous
Not applicable

Re: US Bank Cash+ MCC coding conundrum

I just found this on the max cash.  Seems very useful!   Is there a similar thing on cash+, couldn't find it.select.png

Message 22 of 35
Curious_George2
Valued Contributor

Re: US Bank Cash+ MCC coding conundrum


@NRB525 wrote:

@Remedios wrote:

Xfinity (cable, internet) and Xfinity mobile will not be in the same category.

I never looked at how either one codes,  tried both under TV/internet blah blah blah and mobile got one baby point per dollar. 

That was about two years ago, not sure if it changed since. 

 

 


We have Xfinity landbased internet/ cable also, which shows 4899. I have both TV/Streaming and Utilities as Cash+ categories on one card this quarter and these 4899 codes are getting 5%. Now I wonder if that is as Home Utilities or as TV Internet and Streaming. 

So, the question I have; does anyone have a Cash+ charge of code 4899 and categories of Utilities and something other than TV/Streaming _and_ getting 5%?


I can confirm that MCC 4899 does not count as Utilities on Cash+. I have always had Utilities and Gyms as my two 5% categories on my Cash+. My ISP has MCC 4899 per the downloadable spreadsheet. My payments to that ISP do not earn 5%. I tested this twice and both times only earned 1%. 

Message 23 of 35
Titans84
Valued Contributor

Re: US Bank Cash+ MCC coding conundrum


@Anonymous wrote:

I just found this on the max cash.  Seems very useful!   Is there a similar thing on cash+, couldn't find it.

 

select.png


You can find the same optimizer for Cash+ here: https://cashplus.usbank.com/

Current FICO 8:



Message 24 of 35
PullingMeSoftly
Valued Contributor

Re: US Bank Cash+ MCC coding conundrum


@Taurus22 wrote:

@PullingMeSoftly   Mind if I ask what Internet service you have that is coding as Cell Phone?  I wonder if coding can sometimes be regionally different?  I just checked mine with US Bank and I get:


No prob @Taurus22, I've got Sonic Internet (Sonic.net). Interesting that there's been some fiery forum debates over changes in their coding over the past few years. One discussion thread indicated that at one point they changed from 4814 (telecommunication services) to 4900 (Utilities) and also to 4899 (Cable, Satellite, TV). People threw a fit over the changes and the CEO was even addressing the complaints in the forums. They eventually returned back to 4814.

 

Anyone know if AT&T home landline would also fall into 4814?






Message 25 of 35
Titans84
Valued Contributor

Re: US Bank Cash+ MCC coding conundrum


@PullingMeSoftly wrote:

@Taurus22 wrote:

@PullingMeSoftly   Mind if I ask what Internet service you have that is coding as Cell Phone?  I wonder if coding can sometimes be regionally different?  I just checked mine with US Bank and I get:


No prob @Taurus22, I've got Sonic Internet (Sonic.net). Interesting that there's been some fiery forum debates over changes in their coding over the past few years. One discussion thread indicated that at one point they changed from 4814 (telecommunication services) to 4900 (Utilities) and also to 4899 (Cable, Satellite, TV). People threw a fit over the changes and the CEO was even addressing the complaints in the forums. They eventually returned back to 4814.

 

Anyone know if AT&T home landline would also fall into 4814?


The 2nd transaction showing in @UncleB  example post appears to be AT&T home landline and is coded as 4814.

Current FICO 8:



Message 26 of 35
Anonymous
Not applicable

Re: US Bank Cash+ MCC coding conundrum


@Titans84 wrote:

@Anonymous wrote:

I just found this on the max cash.  Seems very useful!   Is there a similar thing on cash+, couldn't find it.

 

select.png


You can find the same optimizer for Cash+ here: https://cashplus.usbank.com/

Thanks, I had forgotten.   Usual USB goodness, separate site from credit card!

Message 27 of 35
PullingMeSoftly
Valued Contributor

Re: US Bank Cash+ MCC coding conundrum


@Titans84 wrote:

@Anonymous wrote:

I just found this on the max cash.  Seems very useful!   Is there a similar thing on cash+, couldn't find it.

 

select.png


You can find the same optimizer for Cash+ here: https://cashplus.usbank.com/


This is great @Titans84 , didn't realize the category spend would show there, thanks! Nice to have another confirmation mechanism other than downloading the CSV file.

 

Cash+ optimizer.png

4814 for the win!






Message 28 of 35
PullingMeSoftly
Valued Contributor

Re: US Bank Cash+ MCC coding conundrum


@Titans84 wrote:

@PullingMeSoftly wrote:

Anyone know if AT&T home landline would also fall into 4814?


The 2nd transaction showing in @UncleB  example post appears to be AT&T home landline and is coded as 4814.


Thanks I missed that, good news. That'll now be 3 of my monthly expenditures that fit conveniently under that code, essentially opening up a new category selection now that i can ditch TV/Internet/Streaming.






Message 29 of 35
Kforce
Senior Contributor

Re: US Bank Cash+ MCC coding conundrum

I sure miss these problems only using non-category cards   Smiley LOL

Message 30 of 35
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