R
RamboAroundTheWorld
Guest
Wasn't able to product change because my Exec's been open for too little time. Ah well.
Some reps say yes, some say no.I am really confused about their term of 2% cash back. If I buy $5000 and I pay off $5000 before my statement closes, then I buy $3000 and pay off before my statement closes, will I get 2% of $8000?
I'm not speculating, I am reading and explaining the terms and conditions. Doing this is not pointless, it is what we have to do in order to assess a deal. Now... there could be value (and often is) when reality doesn't match the terms and conditions, but that is a different beast.Honestly, we won't know until someone has had this card for a month. Speculating is pointless.
Also, if T&Cs were always true, there would be no MO or GC game. I'm still interested, but I'm willing to wait right now.I'm not speculating, I am reading and explaining the terms and conditions. Doing this is not pointless, it is what we have to do in order to assess a deal. Now... there could be value (and often is) when reality doesn't match the terms and conditions, but that is a different beast.
Edit-
I take that back, the purchase tracker updating at month end might be considered speculation as although it was told to me by citi, it wasn't in the terms.
So yeah, everybody stfu!
As mentioned, that is a different discussion, a valid one all the same.Also, if T&Cs were always true, there would be no MO or GC game. I'm still interested, but I'm willing to wait right now.
Splitting hairs here but T&Cs ARE always true and it is the law/rule. T&Cs aren't always enforced (my favorite, can't use card to buy gift cards)--that's what's true and the hammer is always there for them to pull out when they need or want to.Also, if T&Cs were always true, there would be no MO or GC game. I'm still interested, but I'm willing to wait right now.
I also called for clarification asking why they had to separate verbiage for the purchase part and another cashback for payment part. It was obvious to me that the rep I talked to was reading off a script. He couldn't give me direct answers to an example I gave him like: I have $3000 in purchases and pay that in batches leaving $100 outstanding balance on day statement cuts. So I bought $3K worth and already paid $2900, will I get 1 % on the $3K and another 1% on the $2.9K? He wouldn't answer with a YES or NO, he just mumbled 1% when you buy and another 1% when you pay blah blah blah. I decided to end the useless conversation. Why can't it be as simple as CapOne Quicksilver 1.5% CB on everything?Yep, I acknowledge that the person I spoke with quite likely didn't know their arse from their elbow. I feel something is fishy, and they are certainly up to something, else they would just go - 2% flat.
What I'm trying to say is T&C tell you how it is supposed to work, not how it does work. Just as anything, if they catch a violation, they could rescind the points under the T&C. I'm just saying we need to see how an actual billing statement posts with CB that is paid before the statement closes.Splitting hairs here but T&Cs ARE always true and it is the law/rule. T&Cs aren't always enforced (my favorite, can't use card to buy gift cards)--that's what's true and the hammer is always there for them to pull out when they need or want to.
Sorry, I shouldn't have butted in. I want to know how it works also!What I'm trying to say is T&C tell you how it is supposed to work, not how it does work. Just as anything, if they catch a violation, they could rescind the points under the T&C. I'm just saying we need to see how an actual billing statement posts with CB that is paid before the statement closes.