Amazon Payments transaction shows as "Cash Advance" [Chase]
Jan 14, 2013, 7:00 am
#31
Join Date: Mar 2007
Location: GA
Programs: SPG Gold
Posts: 186
wait, did we figure out if it was a glitch or user error, or Chase cards no go at AP?
Jan 14, 2013, 7:21 am
#32
Join Date: Dec 2009
Location: CHA/TYS
Programs: The Mac Daddy of Heimlich County (and low-ball status)
Posts: 2,868
agree this should be closed. isolated incident (and possible user error). it's gonna get people all frazzled
Jan 14, 2013, 12:42 pm
#34
Join Date: Sep 2009
Posts: 1,758
What’s all this BS about not calling? I got hit with a CA fee on the IB card. I called and they reversed the fee. The CSR inquired what the charge was for. I explained it was actually a cash equivalent to meet the spend req on the IB so I get my 50k bonus. She thought that was brilliant.
Jan 14, 2013, 12:57 pm
#35
Join Date: Sep 2005
Programs: Northwest, United
Posts: 3,256
What’s all this BS about not calling? I got hit with a CA fee on the IB card. I called and they reversed the fee. The CSR inquired what the charge was for. I explained it was actually a cash equivalent to meet the spend req on the IB so I get my 50k bonus. She thought that was brilliant.
Jan 14, 2013, 4:26 pm
#37
Join Date: May 2000
Location: Houston, TX, USA
Programs: UA 1K, AA Lifetime Platinum, DL Platinum, Honors Diamond, Bonvoy Titanium, Hertz Platinum
Posts: 7,970
What’s all this BS about not calling? I got hit with a CA fee on the IB card. I called and they reversed the fee. The CSR inquired what the charge was for. I explained it was actually a cash equivalent to meet the spend req on the IB so I get my 50k bonus. She thought that was brilliant.
The reason I say this is that most cardholder agreements these days say that the bank can charge the CA fee not only if the transaction is coded as a CA by the merchant, but even if it's coded as a purchase if what was purchased was a cash equivalent. And, the bank is interested in detecting these situations not just to get extra fees, but also because they often impose a lower credit limit for CAs and also if the customer uses them too frequently, it's an advance warning sign that the account may go south (such as if someone needs to use a CA in order to pay their mortgage - they probably have widespread financial issues and starting to default on a cc account may not be far off).
Jan 14, 2013, 4:28 pm
#38
Join Date: May 2000
Location: Houston, TX, USA
Programs: UA 1K, AA Lifetime Platinum, DL Platinum, Honors Diamond, Bonvoy Titanium, Hertz Platinum
Posts: 7,970
Because the bank may collect intelligence from cases where "false CA fees" are credited back. Based on what was said above, this particular bank now knows that these transactions actually are CAs based on direct testimony from a cardholder. Or at least they could have this institutional knowledge if it's logged and collected properly.
Having this knowledge, the bank may be in a position to deny such a credit to the next guy that calls in, or even become more aggressive as to coding transactions from that merchant as CAs.
Having this knowledge, the bank may be in a position to deny such a credit to the next guy that calls in, or even become more aggressive as to coding transactions from that merchant as CAs.
Jan 14, 2013, 4:30 pm
#39
Join Date: May 2000
Location: Houston, TX, USA
Programs: UA 1K, AA Lifetime Platinum, DL Platinum, Honors Diamond, Bonvoy Titanium, Hertz Platinum
Posts: 7,970
Jan 14, 2013, 4:49 pm
#40
Join Date: Mar 2010
Location: New York, NY
Programs: The Golden status boy
Posts: 854
The only time I've ever called on a mistake is when OD wouldn't take my Ink for vanillas. They asked why I wanted to buy so many and I told them because I wanted a lot of points. They thanked me and the issue didn't get resolved. Next thing I know, they pulled all the cards in my area.
Terrible customer service.
Terrible customer service.
Jan 14, 2013, 6:37 pm
#41
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
Moderator action
A dozen posts have been removed due to crude humor.
Last edited by mia; Jan 14, 2013 at 6:46 pm
Jan 14, 2013, 10:43 pm
#42
Join Date: Sep 2005
Programs: Northwest, United
Posts: 3,256
The only time I've ever called on a mistake is when OD wouldn't take my Ink for vanillas. They asked why I wanted to buy so many and I told them because I wanted a lot of points. They thanked me and the issue didn't get resolved. Next thing I know, they pulled all the cards in my area.
Terrible customer service.
Terrible customer service.
Jan 15, 2013, 12:03 am
#43
Join Date: Sep 2009
Posts: 1,758
Because the bank may collect intelligence from cases where "false CA fees" are credited back. Based on what was said above, this particular bank now knows that these transactions actually are CAs based on direct testimony from a cardholder. Or at least they could have this institutional knowledge if it's logged and collected properly.
Having this knowledge, the bank may be in a position to deny such a credit to the next guy that calls in, or even become more aggressive as to coding transactions from that merchant as CAs.
Having this knowledge, the bank may be in a position to deny such a credit to the next guy that calls in, or even become more aggressive as to coding transactions from that merchant as CAs.
Jan 15, 2013, 12:21 am
#44
Join Date: Apr 2009
Location: 787
Programs: Too many to list
Posts: 1,306
What’s all this BS about not calling? I got hit with a CA fee on the IB card. I called and they reversed the fee. The CSR inquired what the charge was for. I explained it was actually a cash equivalent to meet the spend req on the IB so I get my 50k bonus. She thought that was brilliant.
Don't give them bad ideas please.
Jan 15, 2013, 12:28 am
#45
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,082
This subject, cash advances, has been covered "ad nauseam" here: http://www.flyertalk.com/forum/miles...-payments.html Please follow there. Thanks.