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seems like discover is taking back what was not supposed to be mine..

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14Fiesta
Established Contributor

Re: seems like discover is taking back what was not supposed to be mine..

I am definitely looking forward to the OP updating us as to why they made the decision to pull the rewards.






EX FICO (AMEX): 728 (4/29/17) | TU FICO (Discover): 737 (4/7/17) | EQ FICO (Citi): 746 (3/28/17)
Message 41 of 52
Anonymous
Not applicable

Re: seems like discover is taking back what was not supposed to be mine..

Business import tax sucks but the incentive from the Commerce department is excellent.
Message 42 of 52
Anonymous
Not applicable

Re: seems like discover is taking back what was not supposed to be mine..

Curious: did you happen to return said items?  If you did, that could be why the cashback was pulled back regardless of card used.

I'm sorry to hear about the removal of rewards and I appreciate that you've come at this realizing that you probably shouldn't have been eligible for the cashback to begin with because you didn't use a Discover card.

For those wondering, here's the specifics on one of the Discover Deals.  Emphasis is mine.  This is not aimed at OP:

Offer is not valid in combination with any other offers. Must have cookies enabled on your web browser, link to retailer site from the Discover Deals web page, found at Discover.com/deals or through the Discover mobile app, and use your Discover card for each transaction.

 

Cardmembers who participate in a Cashback Bonus Program will receive the specified Cashback Bonus on Discover Deals purchases made with your Discover card in connection with these promotions during valid promotion dates in addition to any other Cashback Bonus you will earn on that purchase. A qualifying purchase must be made within three hours of clicking the offer link. Cardmember will receive a confirmation e-mail 30 days from purchase date to confirm if purchases were eligible for Cashback Bonus. We are not responsible for merchant delays in processing transactions. Promotional reward will be applied within 8 weeks. Cashback Bonus is not eligible on returned items purchased through Discover Deals. These are subject to change, including termination without notice.

 

And from the FAQ:

Do I need to pay with my Discover card?

 

Because Discover Deals are a result of a partnership between the merchant and Discover card, you will need to use your Discover card in order to take advantage of the offer.

Message 43 of 52
kdm31091
Super Contributor

Re: seems like discover is taking back what was not supposed to be mine..


@14Fiesta wrote:

I am definitely looking forward to the OP updating us as to why they made the decision to pull the rewards.


?

 

They pulled the rewards presumably because OP used a non-Discover card. The Discover Deals page very plainly states you have to use a Discover card in order to get the rewards.

 

So why the pulled the rewards is not really questionable.

Message 44 of 52
Anonymous
Not applicable

Re: seems like discover is taking back what was not supposed to be mine..


@Christina_xyt wrote:
Lol it's a huge negative.. Not putting it here because I don't want to scare people or hear any one said holy $hit

Trouble is "huge" is a little subjective!   My only concern is it was REALLY huge, say tens of thousands of dollars or more, in which case Discover might decide to go after your ill-gotten gains.   Hopefully less huge than that

Message 45 of 52
Anonymous
Not applicable

Re: seems like discover is taking back what was not supposed to be mine..

Best way to not rock the boat is to just SD the card for anything but BTs.
Message 46 of 52
Jansroom726
Regular Contributor

Re: seems like discover is taking back what was not supposed to be mine..

Just cashed out my rewards. I think I had a few Best Buy hit & runs over the past few months. :x

25 years old. Scores around 740. Income = 45K. Chase Car Loan @ 2.4%, AAOA = 2 years. Total Personal CL = 120k.
Message 47 of 52
Anonymous
Not applicable

Re: seems like discover is taking back what was not supposed to be mine..

Yeesh, I know you're not supposed to try to be friends with your bank, but I find this stuff amazing. Like, Discover's an awesome company that provides a great card in the It. No AF, free FICO, 0% intro APR, 5% cash back categories, cash back portal, occasional free gift card, amazing customer service... and people treat them like this. Guessing you were using another card thru the portal then returning the stuff to rack up cashback, or something along those lines. Pretty lame to treat a company like this when they're so good to you. If it was a small local business that was being abused people would be up in arms but since it's a bank it's ok I guess.

 

This is why programs get nerfed, why better rewards programs aren't offered and why people get their accounts 'randomly shut down for no reason'. I know some people on this board feel they're entitled to everything the credit world has to offer but this is when it's taken too far. Don't want to start a fight here but I really wish people who did this would knock it off before the best cards get nerfed and we all suffer.

Message 48 of 52
14Fiesta
Established Contributor

Re: seems like discover is taking back what was not supposed to be mine..


@kdm31091 wrote:

@14Fiesta wrote:

I am definitely looking forward to the OP updating us as to why they made the decision to pull the rewards.


?

 

They pulled the rewards presumably because OP used a non-Discover card. The Discover Deals page very plainly states you have to use a Discover card in order to get the rewards.

 

So why the pulled the rewards is not really questionable.


In the previous page, OP also stated that even if she used Discover, the item was on the "exception" list. Meaning, she may have had the rewards pulled because Discover realized she bought an "illegal" item. 

 

Either way the terms are against her, I'm just curious as to what sparked the AA.






EX FICO (AMEX): 728 (4/29/17) | TU FICO (Discover): 737 (4/7/17) | EQ FICO (Citi): 746 (3/28/17)
Message 49 of 52
lg8302ch
Senior Contributor

Re: seems like discover is taking back what was not supposed to be mine..


@Christina_xyt wrote:

@CreditMagic7 wrote:

@Anonymous wrote:
Yeah but then you can't double dip and what is the fun in that. Always redeem your rewards, people.

Yeah you mean kinda like hit it and run?

 


oh well.. that doesn't work.. because now i have a negative balance on my rewards lol


I have been given the cash back for order cancellations Smiley Embarassed and simply did not do anything about it. So if Discover charges me back - fine - and I prefer it that way than account closure like some other banks would do.  With ShopDiscover I have done this numerous times because of the low CL on my Discover card and used other cards with higher limits but now with a decent limit  I decided to use Discover with their Discover Deals. But if they pay for order cancellations - so it be - I am too lazy to let them know...they should find their own way to control this issue in today's modern world. And as long as they do not provide a proper way to check the cash back I still have the excuse that their cash back pay out is not transparent . So I pretend innocent.

 

PS: AVS is my enemy as my address is in multiple versions in these systems and depending which one the merchants use it gets orders autocancelled Smiley Mad

Message 50 of 52
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