Do I have any recourse for a store screwing me out of $630? (1 Viewer)

[Chadstroma]

I'm bitter as well. It was nice to have an Amex card. I'm not going to pay a yearly fee for Amex card now that Costco won't be handling it.

What's so nice about Amex?

I have had a lot of feedback of great customer service from customers with AMEX. Nothing specific usually- mostly "they have always treated me well" type of thing. I was planning on getting an AMEX for Costco but put it off and put if off until they announced that they were not using AMEX anymore. I don't see any reason to have an AMEX now.

 

[gianmarco]

I'm bitter as well. It was nice to have an Amex card. I'm not going to pay a yearly fee for Amex card now that Costco won't be handling it.

What's so nice about Amex?

I have had a lot of feedback of great customer service from customers with AMEX. Nothing specific usually- mostly "they have always treated me well" type of thing. I was planning on getting an AMEX for Costco but put it off and put if off until they announced that they were not using AMEX anymore. I don't see any reason to have an AMEX now.

AMEX customer service is top notch. It's the only card I use with the exception of the handful of places that don't accept it (total of maybe 5 places total where I shop or do business regularly). There are some great rewards with it. Currently their AMEX offers have paid for my yearly card fee just over the last month.

 

[tonydead]

I'm bitter as well. It was nice to have an Amex card. I'm not going to pay a yearly fee for Amex card now that Costco won't be handling it.

What's so nice about Amex?

I have had a lot of feedback of great customer service from customers with AMEX. Nothing specific usually- mostly "they have always treated me well" type of thing. I was planning on getting an AMEX for Costco but put it off and put if off until they announced that they were not using AMEX anymore. I don't see any reason to have an AMEX now.

AMEX customer service is top notch. It's the only card I use with the exception of the handful of places that don't accept it (total of maybe 5 places total where I shop or do business regularly). There are some great rewards with it. Currently their AMEX offers have paid for my yearly card fee just over the last month.

I have a dedicated 24 hour customer support service with my BOA platinum privileges VISA card. I've always had top notch service and you only have to hit one button to talk to a real person. It was call 'platinum privileges' when I started and then turned into a 'preferred travel rewards' which worked out better for me anyway. I get 2.1% cash back and no currency exchange fees when you are outside the country.

Does anybody have a card that gets better than 2.1% cash back?

 

[Chadstroma]

I'm bitter as well. It was nice to have an Amex card. I'm not going to pay a yearly fee for Amex card now that Costco won't be handling it.

What's so nice about Amex?

I have had a lot of feedback of great customer service from customers with AMEX. Nothing specific usually- mostly "they have always treated me well" type of thing. I was planning on getting an AMEX for Costco but put it off and put if off until they announced that they were not using AMEX anymore. I don't see any reason to have an AMEX now.

AMEX customer service is top notch. It's the only card I use with the exception of the handful of places that don't accept it (total of maybe 5 places total where I shop or do business regularly). There are some great rewards with it. Currently their AMEX offers have paid for my yearly card fee just over the last month.

I have a dedicated 24 hour customer support service with my BOA platinum privileges VISA card. I've always had top notch service and you only have to hit one button to talk to a real person. It was call 'platinum privileges' when I started and then turned into a 'preferred travel rewards' which worked out better for me anyway. I get 2.1% cash back and no currency exchange fees when you are outside the country.

Does anybody have a card that gets better than 2.1% cash back?

Yes but not flat on everything.

Discover and Chase have cards you get 5% each quarter if you use the card in certain places and 1% on everything else. US Bank has a card that you get 5% on categories you choose each Q out of a list plus 2% on another category and 1% on everything else.

If you really want to maximize your return you would get the US Bank card (or Discover/Chase if you wanted but the choice with US Bank makes it easier to maximize) and use it for those categories you get 5% in and then the travel card for all else. Plus, if you travel a lot then there should be a number of good perks you would not want to lose out on. Not to mention that I always strongly suggest never closing a credit card unless there is an annual fee or you need to per an underwriter to get a mortgage loan or business loan approved. No positive for you and could only hurt your credit score.

 

[Christo]

It is wise to not use debit cards and use a rewards credit card instead for all your purchases for two big reasons:

1) Rewards. You get something back on a rewards card while a debit card gets you nothing. I get usually $15-30 a month back a month just for using my rewards card instead of debit card.

2) Protection. I outlined how credit cards are different in terms of regulation earlier in the thread but on top of that- if there is unauthorized transactions on a debit card it can take up to 10 days to get a provisional credit on your account. That is money you are out for potentially over a week. That may or may not impact your life greatly. On a credit card it is not your money and it takes about the same time to get a new card in the mail. In the meantime, you still have money in your bank accounts to go about life.

I simply jump on my online/mobile banking every few days and transfer money from my checking to credit card. So, it ends up being like my debit card with that extra step of me going online which is good to because it helps me keep on top of everything and it wouldn't be two months later that I notice some odd transactions. I carry my debit card on me in case I go to Costco or Aldi (both don't take VISA) and in an emergency in case my card doesn't work or whatever else. I rarely use it outside of Costco and soon won't have to worry about that either.

Right, with on-line access to bank accounts there's no reason to wait till you receive your statement to stay on top of things. Every Sunday night I enter bills and review my checking and credit card accounts. It takes less than 10 minutes.

 

[Christo]

I'm bitter as well. It was nice to have an Amex card. I'm not going to pay a yearly fee for Amex card now that Costco won't be handling it.

What's so nice about Amex?

I have had a lot of feedback of great customer service from customers with AMEX. Nothing specific usually- mostly "they have always treated me well" type of thing. I was planning on getting an AMEX for Costco but put it off and put if off until they announced that they were not using AMEX anymore. I don't see any reason to have an AMEX now.

AMEX customer service is top notch. It's the only card I use with the exception of the handful of places that don't accept it (total of maybe 5 places total where I shop or do business regularly). There are some great rewards with it. Currently their AMEX offers have paid for my yearly card fee just over the last month.

I use my Amex for everything.

 

[Mr. Ected]

I'm bitter as well. It was nice to have an Amex card. I'm not going to pay a yearly fee for Amex card now that Costco won't be handling it.

What's so nice about Amex?

I have had a lot of feedback of great customer service from customers with AMEX. Nothing specific usually- mostly "they have always treated me well" type of thing. I was planning on getting an AMEX for Costco but put it off and put if off until they announced that they were not using AMEX anymore. I don't see any reason to have an AMEX now.

AMEX customer service is top notch. It's the only card I use with the exception of the handful of places that don't accept it (total of maybe 5 places total where I shop or do business regularly). There are some great rewards with it. Currently their AMEX offers have paid for my yearly card fee just over the last month.

I also like the fact that there are no real limits on purchases. Like Gianmarco, I use that 99.9% of the time, only using other cards when I can't or need cash.

 

[Wooderson]

I'm bitter as well. It was nice to have an Amex card. I'm not going to pay a yearly fee for Amex card now that Costco won't be handling it.

What's so nice about Amex?

I've gotten free benefits like free ship runner cause of linking Amex.

My cc with Welks Fargo is Visa would rather have the variety.

 

[tonydead]

Does anybody have a card that gets better than 2.1% cash back?

Yes but not flat on everything.

Discover and Chase have cards you get 5% each quarter if you use the card in certain places and 1% on everything else. US Bank has a card that you get 5% on categories you choose each Q out of a list plus 2% on another category and 1% on everything else.

If you really want to maximize your return you would get the US Bank card (or Discover/Chase if you wanted but the choice with US Bank makes it easier to maximize) and use it for those categories you get 5% in and then the travel card for all else. Plus, if you travel a lot then there should be a number of good perks you would not want to lose out on. Not to mention that I always strongly suggest never closing a credit card unless there is an annual fee or you need to per an underwriter to get a mortgage loan or business loan approved. No positive for you and could only hurt your credit score.

Good idea. I'll have to look at that US Bank card and the categories to see if it's worth the hassle. Thanks.

 

[SacramentoBob]

American Express Blue Cash Preferred.

6% on groceries

3% on gas

100% no brainer

 

[tdoss]

At the very least...let's burn down his yelp page.

 

[IC FBGCav]

FFA PUBLIC NOTICE:

PLEASE STOP TELLING DISGRUNTLED BUSINESS PATRONS TO CALL THE BBB. THEIR MAIN BUSINESS IS EXTORTION AND THEY ARE A COMPLETE SCAM. THE BBB NEEDS TO ####### DRY UP AND BLOW AWAY. PERPETUATING THE IDEA THAT THEY CARE ABOUT HELPING YOU DOESN'T DO ANYBODY ANY GOOD AT ALL.

This is not true at all. I have solved at least 10 disputes through them including ones with Centurylink and Amazon. If the business is reputable this a viable way to get a resolution. If the business is not, you need to go through the courts.

 

[gianmarco]

FFA PUBLIC NOTICE:

PLEASE STOP TELLING DISGRUNTLED BUSINESS PATRONS TO CALL THE BBB. THEIR MAIN BUSINESS IS EXTORTION AND THEY ARE A COMPLETE SCAM. THE BBB NEEDS TO ####### DRY UP AND BLOW AWAY. PERPETUATING THE IDEA THAT THEY CARE ABOUT HELPING YOU DOESN'T DO ANYBODY ANY GOOD AT ALL.

This is not true at all. I have solved at least 10 disputes through them including ones with Centurylink and Amazon. If the business is reputable this a viable way to get a resolution. If the business is not, you need to go through the courts.

If you want to be taken seriously, you need to change to all caps, add various colors, and increase the size of your font. Otherwise your response is duly noted and duly disregarded.

 

[Wooderson]

American Express Blue Cash Preferred.

6% on groceries

3% on gas

100% no brainer

Is it 1% on everything else ?

Annual fee?

 

[fatness]

Sleep with his wife

All of them.

They cost $105 apiece.

 

[AhrnCityPahnder]

FFA PUBLIC NOTICE:

PLEASE STOP TELLING DISGRUNTLED BUSINESS PATRONS TO CALL THE BBB. THEIR MAIN BUSINESS IS EXTORTION AND THEY ARE A COMPLETE SCAM. THE BBB NEEDS TO ####### DRY UP AND BLOW AWAY. PERPETUATING THE IDEA THAT THEY CARE ABOUT HELPING YOU DOESN'T DO ANYBODY ANY GOOD AT ALL.

This is not true at all. I have solved at least 10 disputes through them including ones with Centurylink and Amazon. If the business is reputable this a viable way to get a resolution. If the business is not, you need to go through the courts.

If you want to be taken seriously, you need to change to all caps, add various colors, and increase the size of your font. Otherwise your response is duly noted and duly disregarded.

Weren't you going back to the Shark Pool?

 

[AhrnCityPahnder]

FFA PUBLIC NOTICE:

PLEASE STOP TELLING DISGRUNTLED BUSINESS PATRONS TO CALL THE BBB. THEIR MAIN BUSINESS IS EXTORTION AND THEY ARE A COMPLETE SCAM. THE BBB NEEDS TO ####### DRY UP AND BLOW AWAY. PERPETUATING THE IDEA THAT THEY CARE ABOUT HELPING YOU DOESN'T DO ANYBODY ANY GOOD AT ALL.

This is not true at all. I have solved at least 10 disputes through them including ones with Centurylink and Amazon. If the business is reputable this a viable way to get a resolution. If the business is not, you need to go through the courts.

If the company is reputable, they'll resolve your concern because you're a customer and they want to make you happy.

If the business is not, you need to go through the courts. the BBB collects money and adds nothing to this process.

 

[nirad3]

FFA PUBLIC NOTICE:

PLEASE STOP TELLING DISGRUNTLED BUSINESS PATRONS TO CALL THE BBB. THEIR MAIN BUSINESS IS EXTORTION AND THEY ARE A COMPLETE SCAM. THE BBB NEEDS TO ####### DRY UP AND BLOW AWAY. PERPETUATING THE IDEA THAT THEY CARE ABOUT HELPING YOU DOESN'T DO ANYBODY ANY GOOD AT ALL.

This is not true at all. I have solved at least 10 disputes through them including ones with Centurylink and Amazon. If the business is reputable this a viable way to get a resolution. If the business is not, you need to go through the courts.

Seriously. I had great success using the BBB in at least 3 separate incidents. Sounds like someone needs to switch to decaf.

 

[gianmarco]

FFA PUBLIC NOTICE:

PLEASE STOP TELLING DISGRUNTLED BUSINESS PATRONS TO CALL THE BBB. THEIR MAIN BUSINESS IS EXTORTION AND THEY ARE A COMPLETE SCAM. THE BBB NEEDS TO ####### DRY UP AND BLOW AWAY. PERPETUATING THE IDEA THAT THEY CARE ABOUT HELPING YOU DOESN'T DO ANYBODY ANY GOOD AT ALL.

This is not true at all. I have solved at least 10 disputes through them including ones with Centurylink and Amazon. If the business is reputable this a viable way to get a resolution. If the business is not, you need to go through the courts.

If you want to be taken seriously, you need to change to all caps, add various colors, and increase the size of your font. Otherwise your response is duly noted and duly disregarded.

Weren't you going back to the Shark Pool?

Ouch

 

[trogg78]

I once saw a charge from Walmart pending on my cc for about $40. I disputed the charge since I never shop there. When the charge finally went through it changed to SAMs club. Now o did remember getting gas there. I figured the confusion would work itself out and I would still have been responsible for the charge and I would be fine with that. Turns out they gave me the money back.

 

[Mad Cow]

So, here is how it has come to resolution.

I got an email from the loan agent this morning, saying he was on it. He was having a few staff at that branch work on it, and was involving the merchant company. He says he will have it resolved by afternoon for me.

In the meantime, I am chatting with my brother about my legal options. He is an asst DA in Ohio, which is not Utah law, but he has some knowledge and gave me ideas ranging from criminal charges to civil.

A few minutes ago, I got a call from the same girl that I had to deal with yesterday twice, in which she plainly told me that she could not do anything. My loan guy had lit a fire under her apparently, because she decided it might just be in her job description to contact the merchant company and the store. They conference called, and now they have miraculously found the erroneous transactions, are so sorry, and will get them into my account in 10 business days. She made sure to let me know that the owner of the shop was helpful, and it was an error on the part of the merchant company and not on the store's part. Fine, whatever. He was so very not helpful until I told him to make it right or else.

Anyway, happy ending. Got a call from the asst from the loan agent right after to make sure I heard and to tell me they appreciate my business and so sorry it happened. FWIW she is actually great and I have always had great experiences with her and the branch in general.

If I had to sum up what I have learned, like a cheesy 80's sitcom/cartoon, I would say:

1. Never use a debit card, use credit and pay it off each month (which I have always done for the business, just not personal)

2. I need to be 100% on-board if any of my patients ever have an issue to help them resolve it and make it right.

3. The FFA thinks I need to indulge in bestiality. Kind of a lot.

4. I am just glad the actual people at my local branch helped and cared. It means a lot.

 

[ChiefD]

So, here is how it has come to resolution.

I got an email from the loan agent this morning, saying he was on it. He was having a few staff at that branch work on it, and was involving the merchant company. He says he will have it resolved by afternoon for me.

In the meantime, I am chatting with my brother about my legal options. He is an asst DA in Ohio, which is not Utah law, but he has some knowledge and gave me ideas ranging from criminal charges to civil.

A few minutes ago, I got a call from the same girl that I had to deal with yesterday twice, in which she plainly told me that she could not do anything. My loan guy had lit a fire under her apparently, because she decided it might just be in her job description to contact the merchant company and the store. They conference called, and now they have miraculously found the erroneous transactions, are so sorry, and will get them into my account in 10 business days. She made sure to let me know that the owner of the shop was helpful, and it was an error on the part of the merchant company and not on the store's part. Fine, whatever. He was so very not helpful until I told him to make it right or else.

Anyway, happy ending. Got a call from the asst from the loan agent right after to make sure I heard and to tell me they appreciate my business and so sorry it happened. FWIW she is actually great and I have always had great experiences with her and the branch in general.

If I had to sum up what I have learned, like a cheesy 80's sitcom/cartoon, I would say:

1. Never use a debit card, use credit and pay it off each month (which I have always done for the business, just not personal)

2. I need to be 100% on-board if any of my patients ever have an issue to help them resolve it and make it right.

3. The FFA thinks I need to indulge in bestiality. Kind of a lot.

4. I am just glad the actual people at my local branch helped and cared. It means a lot.

While I am happy for you and your money, I am mildly disappointed we couldn't go on the guys Facebook page and raise a ruckus.

 

[IC FBGCav]

FFA PUBLIC NOTICE:

PLEASE STOP TELLING DISGRUNTLED BUSINESS PATRONS TO CALL THE BBB. THEIR MAIN BUSINESS IS EXTORTION AND THEY ARE A COMPLETE SCAM. THE BBB NEEDS TO ####### DRY UP AND BLOW AWAY. PERPETUATING THE IDEA THAT THEY CARE ABOUT HELPING YOU DOESN'T DO ANYBODY ANY GOOD AT ALL.

This is not true at all. I have solved at least 10 disputes through them including ones with Centurylink and Amazon. If the business is reputable this a viable way to get a resolution. If the business is not, you need to go through the courts.

If the company is reputable, they'll resolve your concern because you're a customer and they want to make you happy.

If the business is not, you need to go through the courts. the BBB collects money and adds nothing to this process.

I have never paid the BBB a dime, I don't know what you are thinking about, Dun & Bradstreet?

 

[gianmarco]

So, here is how it has come to resolution.

I got an email from the loan agent this morning, saying he was on it. He was having a few staff at that branch work on it, and was involving the merchant company. He says he will have it resolved by afternoon for me.

In the meantime, I am chatting with my brother about my legal options. He is an asst DA in Ohio, which is not Utah law, but he has some knowledge and gave me ideas ranging from criminal charges to civil.

A few minutes ago, I got a call from the same girl that I had to deal with yesterday twice, in which she plainly told me that she could not do anything. My loan guy had lit a fire under her apparently, because she decided it might just be in her job description to contact the merchant company and the store. They conference called, and now they have miraculously found the erroneous transactions, are so sorry, and will get them into my account in 10 business days. She made sure to let me know that the owner of the shop was helpful, and it was an error on the part of the merchant company and not on the store's part. Fine, whatever. He was so very not helpful until I told him to make it right or else.

Anyway, happy ending. Got a call from the asst from the loan agent right after to make sure I heard and to tell me they appreciate my business and so sorry it happened. FWIW she is actually great and I have always had great experiences with her and the branch in general.

If I had to sum up what I have learned, like a cheesy 80's sitcom/cartoon, I would say:

1. Never use a debit card, use credit and pay it off each month (which I have always done for the business, just not personal)

2. I need to be 100% on-board if any of my patients ever have an issue to help them resolve it and make it right.

3. The FFA thinks I need to indulge in bestiality. Kind of a lot.

4. I am just glad the actual people at my local branch helped and cared. It means a lot.

Don't forget to include not waiting months before reviewing statements and charges.

 

[tonydead]

American Express Blue Cash Preferred.

6% on groceries

3% on gas

100% no brainer

Isn't there a $75 annual fee though? You'd have to buy $7,500 of gas and groceries a year or more to match the US Bank no fee 5% and 2%. I don't think I spend that; company car for the commute and only two of us eating at home.

I roughly figured I only save $200 or so by using the US Bank card for gas and grocery instead of my standard 2.1%. But $200 is $200.

 

[gianmarco]

American Express Blue Cash Preferred.

6% on groceries

3% on gas

100% no brainer

Isn't there a $75 annual fee though? You'd have to buy $7,500 of gas and groceries a year or more to match the US Bank no fee 5% and 2%. I don't think I spend that; company car for the commute and only two of us eating at home.

I roughly figured I only save $200 or so by using the US Bank card for gas and grocery instead of my standard 2.1%. But $200 is $200.

There are other perks. One of them is AMEX offers. For example:

Spend $75 on Sprint bill, get $10 back. x2

Spend $100 at Macy's, get $20 back.

Spend $75 at Amazon, get $15 back.

Spend $5 at QT, get $5 back.

Spend $60 at Whole Foods, get $10 back.

Those are just the last 2 months. I already received credits that cover my annual fee in that time frame. And it's as simple as using the card for these things and it shows up on your statement.

 

[TakiToki]

A little tldr but after skimming it seems like bestiality led to a happy ending so guess all's well that ends well.

 

[SacramentoBob]

Have sex with the loan officer's husband.

 

[General Malaise]

you knock over every ####### rope stand in his joint and throw pennies as you exit double barrel.

 

[Mad Cow]

So, here is how it has come to resolution.

I got an email from the loan agent this morning, saying he was on it. He was having a few staff at that branch work on it, and was involving the merchant company. He says he will have it resolved by afternoon for me.

In the meantime, I am chatting with my brother about my legal options. He is an asst DA in Ohio, which is not Utah law, but he has some knowledge and gave me ideas ranging from criminal charges to civil.

A few minutes ago, I got a call from the same girl that I had to deal with yesterday twice, in which she plainly told me that she could not do anything. My loan guy had lit a fire under her apparently, because she decided it might just be in her job description to contact the merchant company and the store. They conference called, and now they have miraculously found the erroneous transactions, are so sorry, and will get them into my account in 10 business days. She made sure to let me know that the owner of the shop was helpful, and it was an error on the part of the merchant company and not on the store's part. Fine, whatever. He was so very not helpful until I told him to make it right or else.

Anyway, happy ending. Got a call from the asst from the loan agent right after to make sure I heard and to tell me they appreciate my business and so sorry it happened. FWIW she is actually great and I have always had great experiences with her and the branch in general.

If I had to sum up what I have learned, like a cheesy 80's sitcom/cartoon, I would say:

1. Never use a debit card, use credit and pay it off each month (which I have always done for the business, just not personal)

2. I need to be 100% on-board if any of my patients ever have an issue to help them resolve it and make it right.

3. The FFA thinks I need to indulge in bestiality. Kind of a lot.

4. I am just glad the actual people at my local branch helped and cared. It means a lot.

Don't forget to include not waiting months before reviewing statements and charges.

Well there is that too. . .

 

[tonydead]

This thread prompted me to call BOA and ask about my rewards because I knew things had changed slightly in the past year or so. If you are preferred anything I'd recommend doing that once a year because even if qualify for some of the programs or program changes you don't automatically get them unless you ENROLL in them. What I'm getting now: 2.625% cash rewards for everything and I can sign up for the sister card to my travel card and get 5.25% on gas and 3.5% on grocery.

 

[Mad Cow]

This thread prompted me to call BOA and ask about my rewards because I knew things had changed slightly in the past year or so. If you are preferred anything I'd recommend doing that once a year because even if qualify for some of the programs or program changes you don't automatically get them unless you ENROLL in them. What I'm getting now: 2.625% cash rewards for everything and I can sign up for the sister card to my travel card and get 5.25% on gas and 3.5% on grocery.

Holy cow, that is great. I am using my 1.5% CapOne card for most things, but have a very nice BoA card I might have to look into.

 

[tonydead]

American Express Blue Cash Preferred.

6% on groceries

3% on gas

100% no brainer

Isn't there a $75 annual fee though? You'd have to buy $7,500 of gas and groceries a year or more to match the US Bank no fee 5% and 2%. I don't think I spend that; company car for the commute and only two of us eating at home.

I roughly figured I only save $200 or so by using the US Bank card for gas and grocery instead of my standard 2.1%. But $200 is $200.

There are other perks. One of them is AMEX offers. For example:

Spend $75 on Sprint bill, get $10 back. x2

Spend $100 at Macy's, get $20 back.

Spend $75 at Amazon, get $15 back.

Spend $5 at QT, get $5 back.

Spend $60 at Whole Foods, get $10 back.

Those are just the last 2 months. I already received credits that cover my annual fee in that time frame. And it's as simple as using the card for these things and it shows up on your statement.

Yeah, that's what I was looking for. Thanks. Is there a list of these somewhere, I don't see it on their website? Or do you just get random email deals of the month type thing?

 

[Chadstroma]

This thread prompted me to call BOA and ask about my rewards because I knew things had changed slightly in the past year or so. If you are preferred anything I'd recommend doing that once a year because even if qualify for some of the programs or program changes you don't automatically get them unless you ENROLL in them. What I'm getting now: 2.625% cash rewards for everything and I can sign up for the sister card to my travel card and get 5.25% on gas and 3.5% on grocery.

Is this sister card a secret hand shake kind of thing? I don't see anything on their site about rewards like that.

 

[tonydead]

This thread prompted me to call BOA and ask about my rewards because I knew things had changed slightly in the past year or so. If you are preferred anything I'd recommend doing that once a year because even if qualify for some of the programs or program changes you don't automatically get them unless you ENROLL in them. What I'm getting now: 2.625% cash rewards for everything and I can sign up for the sister card to my travel card and get 5.25% on gas and 3.5% on grocery.

Holy cow, that is great. I am using my 1.5% CapOne card for most things, but have a very nice BoA card I might have to look into.

I was going to explain it to you but here is the link instead.

 

[Buck Bradcanon]

HEY! No bagel no bagel no bagel o bagel no bagel no bagel no bagel

 

[tonydead]

This thread prompted me to call BOA and ask about my rewards because I knew things had changed slightly in the past year or so. If you are preferred anything I'd recommend doing that once a year because even if qualify for some of the programs or program changes you don't automatically get them unless you ENROLL in them. What I'm getting now: 2.625% cash rewards for everything and I can sign up for the sister card to my travel card and get 5.25% on gas and 3.5% on grocery.

Is this sister card a secret hand shake kind of thing? I don't see anything on their site about rewards like that.

The first percentage is calculated form adding the "credit card rewards bonus" section of this link to my normal 1.5% on everything travel rewards. (Travel Rewards used to be a 2.0% on everything plus 10% flat).

The other two are 3% gas plus 75% and 2% grocery plus 75%, info from the same link. 3:2:1 card.

 

[gianmarco]

American Express Blue Cash Preferred.

6% on groceries

3% on gas

100% no brainer

Isn't there a $75 annual fee though? You'd have to buy $7,500 of gas and groceries a year or more to match the US Bank no fee 5% and 2%. I don't think I spend that; company car for the commute and only two of us eating at home.

I roughly figured I only save $200 or so by using the US Bank card for gas and grocery instead of my standard 2.1%. But $200 is $200.

There are other perks. One of them is AMEX offers. For example:

Spend $75 on Sprint bill, get $10 back. x2

Spend $100 at Macy's, get $20 back.

Spend $75 at Amazon, get $15 back.

Spend $5 at QT, get $5 back.

Spend $60 at Whole Foods, get $10 back.

Those are just the last 2 months. I already received credits that cover my annual fee in that time frame. And it's as simple as using the card for these things and it shows up on your statement.

Yeah, that's what I was looking for. Thanks. Is there a list of these somewhere, I don't see it on their website? Or do you just get random email deals of the month type thing?

You can read about it here

There's different ways to see the offers, but I just log into the website for my card and they show up at the bottom of the page. I add any I want to take advantage of and when I spend the required amount it's automatically credited to my account. They add new ones every few days. Most last anywhere from 1-3 months. A lot are stores I haven't heard or don't shop at but there are enough that it's worthwhile for most.

 

[tonydead]

You can read about it here

There's different ways to see the offers, but I just log into the website for my card and they show up at the bottom of the page. I add any I want to take advantage of and when I spend the required amount it's automatically credited to my account. They add new ones every few days. Most last anywhere from 1-3 months. A lot are stores I haven't heard or don't shop at but there are enough that it's worthwhile for most.

Thanks, looks like you have to have an account to log in and see though. BOA has something like this, but, it felt more like spam popping up so I hid them. Might have to take a look since I'm in the money saving mode. The Amazon one you had was nice.

 

[gianmarco]

No, you don't need an account to see them:

Twitter

ETA -- Also, my wife and I have one account but we each have a card that's associated with the joint account. These offers typically can be added on each card so we can take advantage of them twice (i.e. Amazon). So, we spend $60 using mine then $60 using hers and get $10 credit twice.

 

[tdoss]

American Express Blue Cash Preferred.

6% on groceries

3% on gas

100% no brainer

Isn't there a $75 annual fee though? You'd have to buy $7,500 of gas and groceries a year or more to match the US Bank no fee 5% and 2%. I don't think I spend that; company car for the commute and only two of us eating at home.

I roughly figured I only save $200 or so by using the US Bank card for gas and grocery instead of my standard 2.1%. But $200 is $200.

There are other perks. One of them is AMEX offers. For example:

Spend $75 on Sprint bill, get $10 back. x2

Spend $100 at Macy's, get $20 back.

Spend $75 at Amazon, get $15 back.

Spend $5 at QT, get $5 back.

Spend $60 at Whole Foods, get $10 back.

Those are just the last 2 months. I already received credits that cover my annual fee in that time frame. And it's as simple as using the card for these things and it shows up on your statement.

Are the perks standard or do you have to constantly choose them each month/quarter?

 

[gianmarco]

American Express Blue Cash Preferred.

6% on groceries

3% on gas

100% no brainer

Isn't there a $75 annual fee though? You'd have to buy $7,500 of gas and groceries a year or more to match the US Bank no fee 5% and 2%. I don't think I spend that; company car for the commute and only two of us eating at home.

I roughly figured I only save $200 or so by using the US Bank card for gas and grocery instead of my standard 2.1%. But $200 is $200.

There are other perks. One of them is AMEX offers. For example:

Spend $75 on Sprint bill, get $10 back. x2

Spend $100 at Macy's, get $20 back.

Spend $75 at Amazon, get $15 back.

Spend $5 at QT, get $5 back.

Spend $60 at Whole Foods, get $10 back.

Those are just the last 2 months. I already received credits that cover my annual fee in that time frame. And it's as simple as using the card for these things and it shows up on your statement.

Are the perks standard or do you have to constantly choose them each month/quarter?

They are not standard. And not every offer is available for every AMEX. Some are card specific and others are more global. I routinely check into my AMEX website every few days and see what may have been added. It takes a couple minutes and it also allows me to review any charges on a regular basis. It's pretty simple.

 

[tonydead]

No, you don't need an account to see them:

Twitter

ETA -- Also, my wife and I have one account but we each have a card that's associated with the joint account. These offers typically can be added on each card so we can take advantage of them twice (i.e. Amazon). So, we spend $60 using mine then $60 using hers and get $10 credit twice.

Log in to Twitter

I don't have a twitter account either.

ETA: Fount it.

 

[Binky The Doormat]

I jumped the end of this thread, but if the paperwork shows the charges going to the vendor how can he deny having received the funds?

This was a debit card/checking acct thing through the bank instead of a credit card ...right?

 

[Mad Cow]

I jumped the end of this thread, but if the paperwork shows the charges going to the vendor how can he deny having received the funds?

This was a debit card/checking acct thing through the bank instead of a credit card ...right?

Yes

 

[Wooderson]

FYI since it was mentioned in this thread. Costco Amex had been extended until June.

 

[AhrnCityPahnder]

FFA PUBLIC NOTICE:

PLEASE STOP TELLING DISGRUNTLED BUSINESS PATRONS TO CALL THE BBB. THEIR MAIN BUSINESS IS EXTORTION AND THEY ARE A COMPLETE SCAM. THE BBB NEEDS TO ####### DRY UP AND BLOW AWAY. PERPETUATING THE IDEA THAT THEY CARE ABOUT HELPING YOU DOESN'T DO ANYBODY ANY GOOD AT ALL.

This is not true at all. I have solved at least 10 disputes through them including ones with Centurylink and Amazon. If the business is reputable this a viable way to get a resolution. If the business is not, you need to go through the courts.

If the company is reputable, they'll resolve your concern because you're a customer and they want to make you happy.

If the business is not, you need to go through the courts. the BBB collects money and adds nothing to this process.

I have never paid the BBB a dime, I don't know what you are thinking about, Dun & Bradstreet?

You don't pay for the BBB, but the business does.

Shadetree:

20/20

More

yep

 

[Shula-holic]

I jumped the end of this thread, but if the paperwork shows the charges going to the vendor how can he deny having received the funds?

This was a debit card/checking acct thing through the bank instead of a credit card ...right?

Yes

Cow, I fight chargebacks all the time through my business. In general, the merchant isn't going to win without pretty overwhelming evidence that they provided the service/goods agreed to and have a signature in a "card present" environment from you. If you need any info please message me. Admittedly I'm responding without reading the whole thread so this could have already been covered.

 

[Ministry of Pain]

So, here is how it has come to resolution.

I got an email from the loan agent this morning, saying he was on it. He was having a few staff at that branch work on it, and was involving the merchant company. He says he will have it resolved by afternoon for me.

In the meantime, I am chatting with my brother about my legal options. He is an asst DA in Ohio, which is not Utah law, but he has some knowledge and gave me ideas ranging from criminal charges to civil.

A few minutes ago, I got a call from the same girl that I had to deal with yesterday twice, in which she plainly told me that she could not do anything. My loan guy had lit a fire under her apparently, because she decided it might just be in her job description to contact the merchant company and the store. They conference called, and now they have miraculously found the erroneous transactions, are so sorry, and will get them into my account in 10 business days. She made sure to let me know that the owner of the shop was helpful, and it was an error on the part of the merchant company and not on the store's part. Fine, whatever. He was so very not helpful until I told him to make it right or else.

Anyway, happy ending. Got a call from the asst from the loan agent right after to make sure I heard and to tell me they appreciate my business and so sorry it happened. FWIW she is actually great and I have always had great experiences with her and the branch in general.

If I had to sum up what I have learned, like a cheesy 80's sitcom/cartoon, I would say:

1. Never use a debit card, use credit and pay it off each month (which I have always done for the business, just not personal)

2. I need to be 100% on-board if any of my patients ever have an issue to help them resolve it and make it right.

3. The FFA thinks I need to indulge in bestiality. Kind of a lot.

4. I am just glad the actual people at my local branch helped and cared. It means a lot.

OK, let's bring out the plaintiff, Mad Cow tell us how you feel about the judge's decision

Mad Cow: Best outcome I have seen since the Buckeyes got that call from Four Eyes.

Curt Chaplin: Do you think next time you might look at your credit card statements once in a while so this doesn't happen?

Mad Cow: Nope, I'm good.

Curt Chaplin: OK, let's bring in the defendent, the loser in this case, Richard Head tell us what your feelings were about Judge MOP's ruling here.

Richard Head: I just think the judge didn't really take the time to understand the case.

Curt Chaplin: But you admit that you had no right to the money, correct?

Richard Head: Yeah but this guy never looked at his statements, how does he even know if it happened or not?

Curt Chaplin: OK, Harvey!?

Harvey Levin: Moral of this story, check your bank statements more than twice a year. That'll do it for this case, the litigants for our next case are coming into the court room now...