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Started By
Message
re: Cashier wouldn't let me buy a gift card at the grocery store with a credit card
Posted on 3/23/16 at 1:21 pm to Teddy Ruxpin
Posted on 3/23/16 at 1:21 pm to Teddy Ruxpin
What retailers? When?
I bought gift cards at Christmas this year from the typical places and never had anyone tell me I couldn't pay with credit.
Best Buy, Walmart, Home Depot, Amazon, Target and a couple of clothing stores in the mall that my wife bought for friends all worked. That kids clothing place Justice worked when we gave my little sister in law a gift card there and my wife took her shopping.
Do tell...
I bought gift cards at Christmas this year from the typical places and never had anyone tell me I couldn't pay with credit.
Best Buy, Walmart, Home Depot, Amazon, Target and a couple of clothing stores in the mall that my wife bought for friends all worked. That kids clothing place Justice worked when we gave my little sister in law a gift card there and my wife took her shopping.
Do tell...
1
Posted on 3/23/16 at 1:21 pm to CarRamrod
quote:That is fricking b.s. you can't tell me how and what I can spend my money on. F that
rite aid did this with vanilla cards as well. For months you were able to buy 500$ vanilla cards with your CC for a percentage cash back and deposit those in to your bank account to pay off the CC. Or use the money to pay off your mortgage. CC companies caught on to this and are cracking down on ways to cheat the system.
Posted on 3/23/16 at 1:23 pm to GetCocky11
quote:
buy gas gift cards at the grocery store because I get 6% cash back with my credit card at grocery stores.
Assuming Amex, the 6% is capped at 6000 in purchases annually, so this benefit won't get you that far assuming you buy a fair amount of groceries
Before there was a cap, it was very lucrative. You could essentially get 6% back on a ton of categories.
Posted on 3/23/16 at 1:23 pm to GetCocky11
quote:
I buy gas gift cards at the grocery store because I get 6% cash back with my credit card at grocery stores
This is one of the many reasons companies are starting to change their policy, and I'm willing to bet this is explicitly forbidden in the terms of the 6% cash back offer with your CC company.
No one is going to knock you for trying to game the system, but you shouldn't be surprised when they close the loophole you've found.
Posted on 3/23/16 at 1:27 pm to ForeverLSU02
quote:
Most fraudulent credit card transactions involve gift card purchases
We stopped offering Christmas gift cards at the bank for this exact reason. It was great way to launder money.
Posted on 3/23/16 at 1:29 pm to MontyFranklyn
quote:
That is fricking b.s
you arent spending your money on that..... you are spending the CC's money on that. retard. Do you know understand what "credit" is. 
Posted on 3/23/16 at 1:30 pm to GetCocky11
I don't buy gift cards often but I had this happen the last time I tried. It was at Fred Meyer FWIW.
Posted on 3/23/16 at 1:31 pm to MontyFranklyn
quote:
That is fricking b.s. you can't tell me how and what I can spend my money on. F that
That's just it, you aren't making the purchase with your money, you are making it with a CC, which is someone else's money you are borrowing.
Posted on 3/23/16 at 1:31 pm to CarRamrod
quote:I pay mine off every month so it is my money, a-hole
you arent spending your money on that..... you are spending the CC's money on that. retard. Do you know understand what "credit" is.
Posted on 3/23/16 at 1:31 pm to slackster
quote:
This is one of the many reasons companies are starting to change their policy, and I'm willing to bet this is explicitly forbidden in the terms of the 6% cash back offer with your CC company.
No one is going to knock you for trying to game the system, but you shouldn't be surprised when they close the loophole you've found.
OMG DONT TELL HIM HOW TO RUN HIS CREDIT CARD IT IS HIS CREDIT CARD!
Posted on 3/23/16 at 1:32 pm to Croacka
quote:
Assuming Amex, the 6% is capped at 6000 in purchases annually, so this benefit won't get you that far assuming you buy a fair amount of groceries
Before there was a cap, it was very lucrative. You could essentially get 6% back on a ton of categories.
Yeah, the cap doesn't affect me. I still get 3% back at gas stations so it isn't like I'm totally out of luck. It is just that 6% is better than 3%.
Posted on 3/23/16 at 1:32 pm to MontyFranklyn
quote:
I pay mine off every month so it is my money, a-hole
You seem unreasonably upset about all of this...
Posted on 3/23/16 at 1:34 pm to GetCocky11
You can get 5% cash back at gas stations using penfed's gas card which happens to be free
It's also a visa so it's taken at the gas stations that Amex isn't
I use the Amex for groceries only and the penfed for gas
It's also a visa so it's taken at the gas stations that Amex isn't
I use the Amex for groceries only and the penfed for gas
Posted on 3/23/16 at 1:35 pm to MontyFranklyn
quote:
That is fricking b.s. you can't tell me how and what I can spend my money on. F that
I can promise you that they'll let you spend your cash on gift cards wherever you want.
Posted on 3/23/16 at 1:41 pm to slackster
quote:
I'm willing to bet this is explicitly forbidden in the terms of the 6% cash back offer with your CC company.
Of course it is explicitly forbidden.
Posted on 3/23/16 at 1:43 pm to CarRamrod
i like that a poster going by "GetCocky" was owned by common sense within this thread
Posted on 3/23/16 at 1:44 pm to MontyFranklyn
The CC paid the store, it is not your money that paid the store. You paid the CC company after the fact. The store in no way got money directly from you and had to pay a service charge to allow you to not pay them directly.
Posted on 3/23/16 at 1:47 pm to MontyFranklyn
quote:
I pay mine off every month so it is my money, a-hole
This statement proves that you don't understand how a CC works. The fact that you pay it off every month is irrelevant.
Posted on 3/23/16 at 1:49 pm to Rouge
quote:
i like that a poster going by "GetCocky" was owned by common sense within this thread
I know that it is a loophole. I know it is common sense. I just never heard of a store refusing the transaction before.
Posted on 3/23/16 at 1:52 pm to MontyFranklyn
quote:
you can't tell me how and what I can spend my money on.
yes they can actually
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