I hope the Paypal deal comes back again, but I doubt it will given how quickly Paypal shut it down.
Lesson learned by them.

Your choice card
 

obviously was living under the rock. I didn’t know until i googled yesterday that there’s a new type of choice card exists and more, it can even redeem for vanilla gift cards. By the way, what’s the fee on those $500 vgc that you bought online using choice cards? TIA!

I doubt it'll come back in the original form, and if it does I'm sure Paypal will close my 25 year old account for abuse anyway :)

There was no fee.. what does TIA mean?

TIA - thanks in advance
 

Tia - thanks in advance. No fee?? That’s unbelievable! Was it on special promotion by that website (your choice card redemption site by incomm)?

5 back and Everywhere VGCs
 

I have been looking for 5 back and Everywhere VGCs but didn’t find them in grocery stores or CVS/Walgreens. Wondering where these flavors of VGCs are available?

5 back or everywhere cards
 

i saw them both at office depot and Lowe’ before, but no more everywhere cards at Lowe’s now. Personally I never tried 5 back cards. Are they easy to liquid at Walmart or Kroger?

I don't believe it was a special promotion but I Could be wrong.

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For my future reference, when purchasing these vanilla visa's from TCP, what is the charge for the $500 card and what was shipping?
Did you see that the 2.35% CB tracked on the "Your Gift Choice" gift cards?

It's not quite that simple.
WM is responsible for the money since it is tended to them. When you swipe your card at a WM terminal, it isn't Discover that takes the funds, it's WM,

WM is then responsible for making certain that the money is transferred to Discover via whatever bank they work through, and WM is a bank. How do you think Discover recognized the error??
When they asked WM to transmit the funds, they weren't there. WM then had to work backwards to see that the funds were never off loaded from the GC. That is problem #1.

When WM let Discover know that there were no funds covering that deposit, Discover then went back to find out why they (Discover) had let the transaction go through, which is where they found the glitch was on their end. Realizing that WM wasn't responsible for the error in communication, they ate the loss, but they certainly know who created that loss (problem #2)

That means that two very big companies...Cap1 (Discover) and WM now have SioFW on their radar as having pocketed $600. I will be very interested to know if he/she can still us WM to make Discover deposits with GCs.
That DP would certainly be helpful is monitoring just how closely both companies watch what is going on with us.

I doubt it. If that were the case they would have asked for the money back when they sent the letter.
More likely, and way worse would be that problems like this make C1 decide the Disco Cashback product is not something they want to continue with

1] There was no extra charge. I simply redeemed all the codes, and the gift cards shipped a day or two later. It was a straight $500 Your Choice -> $500 Vanilla conversion.
2] Yes, I did receive 2.35% CB.

Whatever was the cause of the glitch is now fixed.
In the 3 years of YOU doing your Discover loading at WM, did it ever happen before?

Capital One ate the cost of this. They may well decide it was worth it it.
That $600 paid out is no matter what is written off as the cost of doing business.
They are issuing a 1099-MISC.
No different from them paying a sign-on bonus for someone opening an account or depositing new money into an existing account.

Will Capital One stop a "nice" deposit stream that YOU and other MSers have provided since December 5, 2022 ?
My guess is no.

$$$$ in daily deposits from the MSers.
Even when withdrawn quickly it is still a lot of money that is being floated.