the t&c's said gift cards were fine when this launched. Then lots and lots of people went out and applied for discover, and purchased iphone 6 and more. i can see why people are upset that the policy changed after it was announced.

that being said, its not going to ruin my life if i dont get my 10% but it will be annoying and i will no longer use discover.

So what am i supposed to do? I went to Winn Dixie a number of times and bought like 100$ in food and a 400$ gift card. Now if they say they will not pay the 400$ part of it fine BUT i am not getting it for the 100$ in food and this is what i am pissed off about.

WHY SHOULD I HAVE TO KEEP A FOOD RECIEPT FROM A MONTH AGO TO PROVE SOME OF MY BILL WAS NON GIFT CARD? THEY CAN SEE THE AMOUNT IS A CRAZY 477.74 WHO IS GOING TO GET A GIFT CARD FOR THAT AMOUUNT!!

THIS IS WHAT I AM MAD ABOUT.

I'm no lawyer either, but this is pointless seeing as we're all speculating if they really have L3 data. Some are also assuming they aren't able to see our itemized receipts because why else would they require proof of non gift card purchases if they in fact did? I myself will enjoy to see how Discover will handle this mess.

dude stop with the caps.

I get that. On the other hand, I'm sure (though I havent personally read them in detail) the T&C's also allow Discover to change the T&C at any time, in their sole and absolute discretion, etc etc.

It sucks for everyone, no doubt.

But those now wanting to take some kind of silly legal action, complaints to the CFPB, go to the media... I just think its a waste of time and effort. But to each their own I guess.

Someone call cnn or yahoo news or fox i am sure a news place would pick this story up if told the whole deal of what id going on

Did the T&C actually state that "gift cards are fine"? And then they changed the statement to "gift cards are not fine" a couple weeks after the launch? If so, I can see why people would be very angry. Would that even be legal for discover to do?

I was under the impression that the original terms did not state "gift cards are fine". Rather, it just lacked any mention of them. And they added the term later. It's still not cool, but a much lesser offense than the former.

We can stop with the speculation. They don't have L3 data for WAG. WAG does not use L3 data. Source: I worked for the payment processing company that handles Walgreens (and Discover, but that's separate).

I agree with you. If they had the data they can flat out just deny it but if they are giving you the option to fight it, it doesn't look like they are sure. I think the real sh!t show will begin when Joe regular buys a 3k item in legit spending and after 45 days is asked to produce a receipt to validate it.

If this is true then, I fail to see any HIPAA violations.

If they had L3 data, they wouldn't be denying legit non gc purchases.

the original tc said all purchases. 2 days after the launch of the promo it was changed to exclude gift cards.

Right, which is why I am only getting the 10% on $4039.60 of my purchases, because that was made in those two days, and the other 6k was made the following Monday.

I'm not speculating. I know for a fact (and I said it as so in September) Discover doesn't have L3 data, yet the blogs keep putting out that "we don't know yet until verified." Asking for receipts verifies my "lead-pipe lock" of a source. Even places that provide V/MC L3 like Toys/Babies'R'Us don't do so for D.

I believe you and thought it was pretty obvious based on the fact that THEY are asking US for receipts to manually review instead of having this all done automatically already.

My question is, how do they know there is a gift card in some orders? Does the limited data that gets passed on to them have a flag in it of some sort? What other flags are passed on?