@galahad15 wrote:
@Anonymous wrote:Do you have other cards more suited (lower interest rate) for carrying balances? A rewards card is a terrible card to carry a balance on.
The $25 limitation on redemptions can be somewhat cancelled out by paying for purchases with points.
Thanks for the heads-up on being able to cancel out the $25 redemption limitation requirements by paying for purchases with points, that is indeed quite helpful!
Regarding the question about having cards with lower interest rates that may be better-suited for carrying balances, I currently have 8 credit cards in my collection with go-to interest rates below 10%, so in pretty good shape at present in that regard (IME, 5 of the 8 cards below 10% are also rewards cards).
Generally, rewards cards are terrible cards to carry balances on. but if you have rewards cards below 10%, then you are good. My Savor cards is 8.65%. I don't carry any revolving balance cards.
Definitely not gonna blow bubbles with the cars engine lol
On further review it seems that inside transactions above $15 code as groceries and inside below $15 codes as gas. Gonna try buying $20 in gas inside and see if that still codes as groceries. Was hoping to get 3x points off the tobacco lol
On further review it seems that inside transactions above $15 code as groceries and inside below $15 codes as gas. Gonna try buying $20 in gas inside and see if that still codes as groceries. Was hoping to get 3x points off the tobacco lol
It's probably the next one I will apply for just because I want another metal card, I just got the Amazon Prime Visa one in the mail. I think I will stay in the garden for awhile as I already have a lot of cards as it is.
@Anonymous wrote:
@longtimelurker wrote:
@Anonymous wrote:That is odd. Usually they are coded all one way (in store and even at the pump).
Just don't put that bubble gum in your tank, that won't work out well.
Often there is a special MCC for the pump. 5542, Automated Fuel Dispenser (and some cards, e.g. Penfed Plat, only reward gas bought with that MCC). IME, usually inside won't code that way
This one is so strange in that it might be coded by dollar value or product type in the store
It seems $15 is when the POS possibly sends/requests more information. On debit transactions no PIN is required until you hit $15 _OR_ request cash back. Maybe it sends more information on credit to reduce fraud? It's interesting in the posted transactions the ones below $15 show "INSIDE SALE" and when above $15 the same line says "800 ### ####" instead for their corporate contact I suppose.
Still waiting for my $20 gas inside purchase to post, if it codes as gas I'm going to try mixing other items + gas inside to see how that posts.
Again, it's strange because this only seems to happen with Amex branded. My Visa and MasterCard only post as gas regardless, can actually search the merchant on Visa's MCC site and it only has one MCC for gas.
Bumpdate:
Re: Propel Amex gas category/mcc dp
Did more testing at the same gas station.
Outside gas pump: codes as gas
Inside gas: codes as gas
Inside <$15 (no gas): codes as gas
Inside >$15 (no gas): codes as groceries
Inside >$15 (items w/ gas): codes as gas
This station doesn't sell gift cards (except their own) so I haven't tested that option.
So if I want to get 3x points for bulk tobacco purchase just have to add some gas to the same transaction.
Re: Propel Amex gas category/mcc dp
Did more testing at the same gas station.
Outside gas pump: codes as gas
Inside gas: codes as gas
Inside <$15 (no gas): codes as gas
Inside >$15 (no gas): codes as groceries
Inside >$15 (items w/ gas): codes as gas
This station doesn't sell gift cards (except their own) so I haven't tested that option.
So if I want to get 3x points for bulk tobacco purchase just have to add some gas to the same transaction.