ctdohert2

Were you able to split the payment on the $500 VGC at CVS ? I just tried this evening at the register said full payment required. I'm thinking the cashier did it wrong but just wondering.

Also, what makes these cards more attractive is that at the grocery store when you buy them it is giving Fuelperks...aka Free Gas

lumangoy

I tried with another VGC before....If using debit, it needs to be the last transaction at CVS for split payment to go through.

pkerr

Bought 3 x $200 at OM and got the $30 discount.

lumangoy

same here. my 1st OM didn't have any $200 VGCs

2nd location had about 10 left.

pkerr

Same problem with my OD. No $200 cards.

Interesting to note that besides the Five Back cards they also had a supply of something called Style Everywhere Visa GC.

https://www.styleeverywheregift.com/
"Use the Style Everywhere card at any boutique, shoe store, department store, and online fashion retailers everywhere Visa debit is accepted. From uptown chic to relaxed classic, this card has your style covered."

I'm wondering if this is just a marketing gimmick and it can be used everywhere regardless.

noturbizniss

nope, can't be used everywhere.

pkerr

I'm wondering how it's different than the Five Back card? (other than the marketing) Same company is behind each one.

It says it's a Visa debit card. I'm curious as to how, when it's run through the system, the card reader knows it's something other than a "real" debit card.

andyandy

Agreed. Bought one as an experiment, had the Devil's own time trying to liquidate it.

Andyandy

pkerr

Out of curiosity... what happened when you tried to buy something? Error message from the card reader?

andyandy

I believe that the restriction is on the Bank side. If the merchant isn't coded properly, the card simply won't authorize.

Andyandy

pkerr

But the Five Back card doesn't work that way? It's just a matter what merchants will allow the 5% rebate. Card still works everywhere?

littlewinglet

Yes. It's not restricted by merchant coding of the register.

martig4

Blackhawk has an issue with the FBGC with CVS. My cards had to be manually credited, but I was told the issue should be resolved in two-three weeks with the automatic credit.

iahphx

So a bunch of supermarkets are selling the Five Back card this week with a $10 discount, so you can get a $200 card for $196.95. The doctorofcredit website has some of the details. That's nice enough with a good grocery store bonus credit card, but it's obviously better if you can take the Five Back card to CVS and then buy a $500 gift card to get the 5% back. I did this, but the cashback didn't post to the gift card in the 48-hour period it's supposed to post. I called Blackhawk yesterday to complain, and they opened "a ticket" on my claim. So far, still no cashback. Has anyone else had experience with this? The card seems like a bit of a sham if the cashback doesn't actually work.

EDIT: Ha! Martig4 addressed my problem as I was typing my post. Thanks. We'll see what happens!

madbrain

I purchased five $200 Five Back gift card at Office depot with my Chase Ink Plus last week, partly to meet the $5K minimum spending as it is a new credit card.


I made a purchase Sunday night with one of the Five Back on 10/9 at 10:17pm at CVS for about $100. This was all legit spend - I did not buy another gift card, so there would be no possible exclusion of purchases for cash back. CVS is one of the merchants that is eligible for 5% cash back with the Five Back card.


Today, Wednesday afternoon, more than 65 hours later, the 5% had not posted on the Five Back card.


Fivebackgift.com claims the cash back is supposed to go within 48 hours of the purchase, and to call their customer service if it did not.


So, I called ... First, there is not even a menu option for this issue of missing cash back. The closest one is "dispute a transaction", which I used. The CSR tried to tell me the transaction had posted one day later, on 10/10 and it wasn't 48 hours yet, and to call back later. I had a long argument about the time of the transaction, but got nowhere. First, he told me the transaction posted on 10/10 at 5:27am. Then, he changed his story and said it posted on 10/10 at 5:27pm. When I asked him what time zone he was referring to, he said UTC. At the time of my call, it was already past 10pm in the UTC time zone. Then, he tried to tell me it wasn't UTC, but central time. He told me it wasn't 5:27pm in Central time yet. Never mind it was actually 5:35pm Central time. He claimed it was 4:35pm central time. We just couldn't agree on what central time was ! I asked him where he was calling from, and he El Salvador. He said the credit should post within one hour, and if not, I should call again.



Of course, the 5% back did not post within one hour. I'm on the phone with them again. The second CSR was able to see that the original transaction date was indeed on 10/9 and not 10/10, and that it was indeed well over 48 hours. I provided my contact info, and he gave me a reference number and I was told they would get back to me within 2 business days.



I have spent well over 30 min on the phone just to try to get $5 . This is of course much more effort than most people will go through for that amount.


Has the same thing happened to others with Five Back, ie. not getting their cash back within the promised 48 hours, or at all without having to get in touch ?


This smells like a scam to me. I'm thinking of filing a report with the CFPB. Would like to know what the experience of others has been with Five Back.