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Pay all of your bills and earn miles
While investigating the latest Chase offer for a Contintental Airlines debit card (10,000 miles for $30), I was told by two customer reps and a manager that not only do you get 1 mile per $2 spent on the card, you also get 1 mile per $2 paid out of your account via the free on line bill paying service. This opens the incredible possibility of a double dip for paying your credit card bills. Use a credit card to get miles, then pay its bill and get more miles. You can pay any bill with this system. (Please, please refrain from making commments or asking questions on how this system might be abused.)
I can find no mention of this on line. Does anyone have this card and pay bills on line? Is it true? Can we really now get miles for paying our mortgages? Also, when you open certain Chase checking accounts on line or by phone, you can partially fund them by credit card (mileage producing, of course), $100 to $1000 per account. The transaction will be charged as a purchase, not a cash advance, but check with your credit card company to be sure they agree with this. American Express, especially, often does not agree to charge this type of transaction as a purchase. Again, I can't find this info on line, but two customer reps and a manager confirmed it. Full details in the Banking section of the Finance page of my web site below. ------------------ Free Frequent Flyer Miles |
Do you get miles for online bill payment or only automatic bill payment from specific merchants?
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I signed up for this account and this debit card recently because of a very lucrative sign-up offer.
see http://www.flyertalk.com/forum/Forum20/HTML/009670.html I do not plan to use it as a primary checking account but I will pay a bill on-line and see if I receive any points for it. I'll post my results. |
pgary
Do you have a link to this offer? 800 no.? Thanks in advance. |
Never mind..Got it. Thanks!
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PGary - Thanks for the info. I hope you do not mind. I made reference to your web site and this offer under the Continental forum.
I called Chase and they confirmed that the qualifying miles were based on the activity of the account and not strictly from the use of the debit card (i.e. PIN based transactions). Most banks that have similar debit/mileage programs have this caveat. This works well for me....I have a both a Chase mortgage and auto loan |
Can you give us a link for the 10,000 miles offer. Both the Chase and Continental sites only have a 2000 mile offer. Thanks.
Sorry, I found it. [This message has been edited by birdyy (edited Feb 20, 2004).] |
I couldn't really get much out of the rep I got on the phone, but here is a link that explains the online billpay:
http://www.chase.com/cm/cs?pagename=Chase/Href&urlname=ch ase/pf/banking/chasebankingcard/bankingcard/automaticbillpay what I really wanted to know is: can existing cardholders get the 2 miles/$1 spent or do I have to open a new account, and does this also work with a debit card? No answers on that but I guess I will just have to try it and see. What I am really wondering is, I already use Chase's online banking. This is tied to my checking account, which has the Continental card linked to it. I just made a payment. How do I know this will get miles (as though paid from card rather than checking account?) I called them back was told to call the Chase/Continental One Pass Customer service number, (877) 292-4273. This does seem like the right place to go. I stuck with the last question above and was told that there are only three ways to get miles paying bills, and we all know these already: 1) Pay the bill with the mastercard as usual when it comes due. But this does not help with mortgages. 2) call the vendor and pay over the phone. This also does not help with mortgages. 3) Set up auto payment with each vendor online. These are methods we all know already and don't address the idea of how to use Chase's online banking to deduct money from the card rather than the checking account. She did tell me to call online banking back (they are the ones that directed me to the Onepass center originally) and ask how to set this account up so that it uses the 16 digit continental card number rather than checking. This sounded promising so I will call them now and report of any news. [This message has been edited by CozumelJen (edited Feb 20, 2004).] |
So now I'm confused. This latest link is for "auto payment" from a debit card. As I understood the original poster he was referring to using "bill pay". That's really two different things. Which are we discussing here?
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I just talked with someone in online banking who said that you absolutely cannot use your debit card to earn miles online this way. Disappointing. If anyone finds differently, please post. I talked to four different Chase representatives on this matter today.
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birdyy,
I am thinking that the only way to get miles is to use vendors that already accept mastercard anyway. Here is a quote from the link: <font face="Verdana, Arial, Helvetica, sans-serif" size="2"> Simplify your life- pay bills automatically with your Chase Banking Card with the MasterCard logo® More merchants and service providers offer the convenience of automatic bill payment. From Internet and mobile phone service to health club dues and insurance premiums, setting up automatic bill payment using your Chase Banking Card is an easy way to make more time for what matters most. With automatic payments using your Chase Banking Card you can: Eliminate check-writing hassles Avoid late-payment fees and service interruptions Forget about remembering due dates Save time and reduce postage costs View all of your payments on your Chase checking account statement Earn OnePass® miles available only with the Chase/Continental Airlines® Banking Card or Leisure RewardsSM points available only with the Chase Banking Card with Leisure RewardsSM for doing what you have to do anyway - pay bills. Take advantage of these exclusive money-saving offers when you sign up for automatic bill payment using your Chase Banking Card with the MasterCard logo® One Month of ADT Monitoring FREE - plus $1 off Monthly Monitoring Fee Sign up for automatic bill payment using your Chase Banking Card and receive one month of monitoring FREE plus $1 off the monthly monitoring fee. That's $25.99 per month for burglary or just $27.99 per month for burglary, fire and carbon monoxide. Call 1-877-473-9437 to redeem offer. View offer Terms and Conditions 5˘ per Minute with Sprint Nickel AnyTimeSM Enjoy a 5˘ per minute rate on all state-to-state long-distance calls, any time day or night, when you use your Chase Banking Card to automatically pay your monthly Sprint bill. And, when you spend $20 or more a month on long distance, your monthly service fee of $5.95 will be waived. Sign up now at www.sprint.com/chaseoffer. View offer Terms and Conditions 2000 Hours FREE from EarthLink Join EarthLink and receive 1000 hours of FREE Internet service in your first 45 days. And, if you stay with EarthLink for 6 months, you'll get an additional 1000 hours of FREE Internet access. Sign up for automatic bill payment using your Chase Banking Card and you'll pay only $21.95 a month for unlimited dialup access. Call 1-800-EarthLink and mention code 400068349 or log onto www.EarthLink.net. View offer Terms and Conditions Getting started - If your particular merchant or service provider is not listed above, here's what you can do: 1. Find out if your merchant or service provider accepts MasterCard cards as a form of automatic bill payment. 2. If they do, simply contact them directly to set up the service. View our Directory of Merchants* to see if your merchant or service provider already accepts MasterCard cards as an automatic bill payment option. Call your service providers directly to sign up today! Paying bills can be rewarding, just use your Card to sign up for automatic bill payment and watch how the miles and points add up. Earn miles or points for doing what you have to do anyway - pay bills. If you have a Chase/Continental Airlines® Banking Card you'll earn OnePass® miles. If you have a Chase Banking Card with Leisure RewardsSM you'll earn Leisure Rewards points. </font> so, no mortgage. |
I, too, have been getting contradictory information about this deal. I have spoken with 4 reps and one manager. The rep who seemed the most knowlegable turned out to be a temp on her first day of the job, and got everything wrong. The manager I spoke with is trying to undo the deal she set me up for based on incorrect info. The better reps say they have no script for this and tell me they just don't know.
I posted the original info because it came from the same manager I am working with to undo the deal I don't want. I thought perhaps she knew what she was talking about, but it did seem too good to be true. I am waiting for her to call me back on the undoing of the deal thing, and will ask her if the miles for bill paying is only for automatic bill paying, or does it also apply to bill paying that I initiate on line at the Chase web site. I will post what whe says both on my site and here. When I look at the list of merchants who will this for you, I suspect that these are the same ones who will bill your credit card automatically. If this is the case, you would be better off having them bill your mileage producing credit card. I am hoping that the manager with whom I spoke did not get this deal confused with payment of bills the account holder initiates. I am waiting for a call back from this manager now. Will update when I hear from her. ------------------ Free Frequent Flyer Miles [This message has been edited by pgary (edited Feb 21, 2004).] [This message has been edited by pgary (edited Feb 21, 2004).] [This message has been edited by pgary (edited Feb 21, 2004).] |
Thanks. GoingAway. After three edits, I was able to fix the UBB code above.
------------------ Free Frequent Flyer Miles [This message has been edited by pgary (edited Feb 21, 2004).] |
<font face="Verdana, Arial, Helvetica, sans-serif" size="2">Originally posted by pgary: I hate UBB Code. I am unable to figure out what I did wrong with the code for the link to the list above. A private email to educate me would be appreciated. Then I will fix it and delete this message. Thanks. </font> list |
I called Chase and specifically asked if the miles were credited based on debit card activity or account activity (i.e. online bill payment) and they said "on account activity". Does anyone currently use Chase's online bill pay from a checking account linked with the Continental OnePass program?
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<font face="Verdana, Arial, Helvetica, sans-serif" size="2">Originally posted by lanemckenna: I called Chase and specifically asked if the miles were credited based on debit card activity or account activity (i.e. online bill payment) and they said "on account activity". Does anyone currently use Chase's online bill pay from a checking account linked with the Continental OnePass program? </font> What a screwed up operation they have. It looks to me like we will just have to pay a few bills on line and see if we get miles for it. I think the 10,000 miles alone are worthwhile, and we can always close our accounts after 45 days or so if no more miles are forthcoming. My manager person did not return my calls, of course. She is supposed to be off tomorrow. ------------------ Free Frequent Flyer Miles [This message has been edited by pgary (edited Feb 21, 2004).] |
<font face="Verdana, Arial, Helvetica, sans-serif" size="2">Originally posted by pgary: What a screwed up operation they have.</font> |
"Paying bills can be rewarding, just use your Card to sign up for automatic bill payment and watch how the miles and points add up."
Hmm, not very promising. |
<font face="Verdana, Arial, Helvetica, sans-serif" size="2">Originally posted by Alcibiades: "Paying bills can be rewarding, just use your Card to sign up for automatic bill payment and watch how the miles and points add up." Hmm, not very promising.</font> I really think that they are talking about automatic bill payment not online bill payment. Many of us already do automatic bill payment with our debit or credit cards and I do believe that is what Chase is referring to. If we were able to earn miles for online bill payment, can you imagine the possibilities. I can't imagine any back doing this. Just from the people on these boards it would cost them millions and millions of miles. I think the original poster had a very inexperience person on the phone. You know what they say, if it's to good to be true it probably is. |
<font face="Verdana, Arial, Helvetica, sans-serif" size="2">Originally posted by birdyy: I think the original poster had a very inexperience person on the phone.</font> Sigh. We will see. In the mean time, we can enjoy our cheap 10,000 miles. ------------------ Free Frequent Flyer Miles |
someone earlier above asked whether anyone had a chase account already and was using it to do online banking. I have had my account for over three years and don't get miles for it. The only way is if the 16 digit code from the Chase/Continental card goes to the merchant.
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I have the CO Chase debit card. You get 1 mile for every 2 dollars you spend unless you have the Plat signature card that will pay 1 mile for every dollar (you must have 50K in a linked account for the Plat signature card).
You do get you miles for every transaction on your card but none for taking cash out of the ATM. You do NOT get miles for paying your bills thru their bill pay system. The ad they have is misleading- it points out that some companies- like cell phone companies- will let you pay your bill VIA a credit card. They are pointing out that you can use your debit card for these monthly charges and earn points. So unless your mortage company lets you charge you monthly payment to a credit card, you won't get points for paying your mortage.... [This message has been edited by CraigS (edited Feb 21, 2004).] |
I called customer service after reading the information posted in the link listed below.
http://www.chase.com/cm/cs?pagename=...rd/continental Fourth paragraph down: Make purchases and bill payments more rewarding and earn one (1) OnePass mile for every two ($2) dollars you spend - for a low $30 annual fee. The miles you earn do not expire.* It clearly states - Bill Payments. The first rep checked with the supervisor and said that you are eligible to receive 1 mile for every $2 spent on bill payment. The second rep checked with an associate and said that you are not allowed to receive the miles for bill payment. I am confused just like everyone else, but I think they have to provide miles for bill payment since the website clearly has bill payment listed. Just wanted to get your thoughts incase I am reading it incorrectly. |
I think I got my question answered. I talked to a 3rd rep who said that you are eligible to receive miles if the Vendor accepts the transaction as a credit card payment. Example: Some places accept rent payments by credit card.
You are not eligible for miles if you pay your bills thru online banking since they don't count as credit card transactions. |
<font face="Verdana, Arial, Helvetica, sans-serif" size="2">Originally posted by norton: I think I got my question answered. I talked to a 3rd rep who said that you are eligible to receive miles if the Vendor accepts the transaction as a credit card payment. Example: Some places accept rent payments by credit card. You are not eligible for miles if you pay your bills thru online banking since they don't count as credit card transactions.</font> I think that's exactly correct. From the site that you referred to: "Make purchases and bill payments more rewarding and earn one (1) OnePass mile for every two ($2) dollars you spend - for a low $30 annual fee. The miles you earn do not expire.*" It's make purchases and bill payments (meaning with the card) not "use" bill payment. As much as we wanted it, I just don't think this is going to happen. It's a wonderful idea and I would be the first in line. |
Any updates on this possible deal?
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I dont see what all the fuss is about.. CO miles are worthless anyway. http://www.flyertalk.com/forum/biggrin.gif
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<font face="Verdana, Arial, Helvetica, sans-serif" size="2">Originally posted by flipside: I dont see what all the fuss is about.. CO miles are worthless anyway. http://www.flyertalk.com/forum/biggrin.gif</font> ------------------ Free Frequent Flyer Miles |
Promotion Update
To all FTers and PGary - Although this offer did not seem great at the time (too much confusion and worthless companion certificate), I feel like in the end it was worth it. If a similar promotion comes along, do not dismiss it so quickly (throw myself into this category too)!
After all of the confusion (can you get miles for paying bills online? how many miles?, what type of checking account do I need to open?), here is what I wound up with........ 20,000 OnePass miles and a companion certificate for $60! I opened a joint checking account with my wife and both of us received 10,000 OnePass bonus miles credited to our accounts and one companion certificate. Not a bad deal from my perspective! |
Well, I got 10,000 miles for $30, too. But they are Continental miles, so I am not certain they are worth anything. Will find out soon, trying for a ticket to Lima, Peru.
It would have been better use of my time to work an hour or two to earn the money the 10,000 miles less $30 is worth. I spent an incredible amount of time on this. Never have I received more wrong or contradictory answers and incorrectly executed instructions from customer reps for any institution, even airlines. The most valuable thing learned here is to never do business with Chase. Fortunately, I understand they are in the process of being bought out by BankOne. |
Originally Posted by pgary
It would have been better use of my time to work an hour or two to earn the money the 10,000 miles less $30 is worth. I spent an incredible amount of time on this. Never have I received more wrong or contradictory answers and incorrectly executed instructions from customer reps for any institution, even airlines.
Thanks for your time and effort with the information you share on FlyerTalk and your own Website! |
Originally Posted by pgary
...I understand they are in the process of being bought out by BankOne.
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Originally Posted by Cornroaster
Actually, JP Morgan Chase and Bank One are merging.
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Originally Posted by pgary
Well, they can be transferred to United or Midwest, via Amtrak.
------------------ Free Frequent Flyer Miles I think that AA ebay thread shows us how we can turn CO miles into AA miles... Have to check it in one of the more recent posts in there and see! This thread is located at: http://www.flyertalk.com/forum/showt...3&goto=newpost :)MM |
While investigating the latest Chase offer for a Continental Airlines debit card (10,000 miles for $30) Thanks. |
Originally Posted by USAFAN
Please help - can't find this offer. Can somebody post a link where I can see and apply for the "10,000 miles for $30 offer"
Thanks. |
Originally Posted by lanemckenna
USAFAN - Promotion expired in Feb. Recent threads were a follow up.
Any other "nice" offers? Thanks |
Good idea..... :-)
Originally Posted by CraigS
I have the CO Chase debit card. You get 1 mile for every 2 dollars you spend ... You do get you miles for every transaction on your card but none for taking cash out of the ATM.
1) go to the grocery store 2) buy something small with said debit card 3) get $100 "cash-back" from the register when paying for your purchase 4) stop by the bank to redeposit your cash 5) repeat 6) travel lots for free :cool: ? Does cash-back at the grocery store count as an ATM withdrawal? Generally when I go to Safeway and do this (I hate ATM fees, so this is the only way I withdrawal money) it comes up on my receipt as the purchase total being $102.38 or something ($100 of which was my "cash-back"). This would definitely be awesome if it worked. Anyone tried it before? peace, ~Ben~ PS> This is my first time ever posting on the forum, though I've read it forever, and I'd like to extend many thanks to all of you (and pgary specifically - great website!) for all the great deals over the years. ^ ^ ^ PPS> Oh, yeah - I also get United Airlines miles and uPromise goodness for shopping at Safeway, too. So this would make it a magical trifecta! SOmeone please let me knwo if this would work so that I can run out and change my checking account... :D |
Sorry No Miles
[Quote/]
Does cash-back at the grocery store count as an ATM withdrawal? Generally when I go to Safeway and do this (I hate ATM fees, so this is the only way I withdrawal money) it comes up on my receipt as the purchase total being $102.38 or something ($100 of which was my "cash-back"). This would definitely be awesome if it worked. Anyone tried it before? peace, ~Ben~ [/QUOTE] This would be nice, but it does not work. Any cash back from an POS purchase with your debit card is considered a "cash transaction" for the entire sale. So no miles! |
Originally Posted by lanemckenna
[Quote/]
Does cash-back at the grocery store count as an ATM withdrawal? Generally when I go to Safeway and do this (I hate ATM fees, so this is the only way I withdrawal money) it comes up on my receipt as the purchase total being $102.38 or something ($100 of which was my "cash-back"). This would definitely be awesome if it worked. Anyone tried it before? peace, ~Ben~ s'too bad... How about this: Could one use the miles debit card to buy something exspensive, get the miles, and then return it and still have the miles credited? I know this doesn't really work with credit cards, but thought it might be worth asking about these debit cards. Sorry if these pedestrian questions reveal me as a neophyte, but I basically am.. ;-) Thanks! peace, ~Ben~ |
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