What happens if I make a return after redeeming rewards?

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12 posts
Mitch
Gold Member
Gold Member
 
Posts: 37
Joined: Wed Oct 29, 2014 12:17 pm
Location: United States

Postby Mitch » Sun Dec 28, 2014 1:20 am

I thought I'd throw this in...

I purchased a rather expensive item on Amazon.. and ended up returning it in the same month. I paid with my Discover Card, and it was refunded back to my discover card, almost a whopping two weeks later.

I can assure you, I didn't get any cash back bonus, or even 1% back, on that purchase. Which is completely fine by me, considering, I technically didn't make a purchase, and I didn't earn it.

BUT.... And this is a big one.

I know from experience.. that American Express, may not be the wiser when it comes to this. A while ago.. I can't remember all the specifics, but, there was a promo for Amex Users where you could spend $200 at Best Buy and get like $30, back as a statement credit.

Anyhow.. I made a purchase, for my mom... "Microsoft Office" at the time, and we ended up returning it, after I realized outlook wasn't included. Anyhow. I returned it to bestbuy, and got a full refund. But, my mothers statement was credited for the $30.. and the reward points were never deducted. So, we pretty much scammed (and I'll admit this was unintentionally) amex out of $30 and a perhaps $2 of a reward points.

I thought I'd throw that in.. because, I know from experience, that perhaps, there not all that great at tracking that stuff over at Amex. Or Perhaps, they just don't care.

Honestly.. if I was looking for a way to cash-in on new account promos.. I'd probably figure out a way to purchase gift cards for stores, where the trade in value for there gift cards is high, and buy them, and turn around and resell them. Than I'd get the rewards and probably 80-90% of my money back, to cover the bill.

Keep in Mind, I'm no attorney, or anything, so if any of this potentially against the law, or anything, I'd personally wouldn't do it.

Honestly, at the end of the day, I'm happy I've been extended even a $1 of credit, and consider myself blessed to be taken a chance on. I want the Credit Card companies to make a few dollars here & there off of me. I think they more than deserve it. So. I probably would never consider doing anything, I'd know would hurt them. Although, I'm sure a lot of people probably have very different opinions, which is fine.
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Discover It $500 10/14. Capital One QS Visa $300 02/15, formerly Journey Visa Plat. 11/14.


flan
Centurion Member
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Posts: 389
Joined: Tue Apr 09, 2013 10:16 pm
Location: chicago

Postby flan » Sun Dec 28, 2014 10:04 am

Mitch wrote:Anyhow.. I made a purchase, for my mom... "Microsoft Office" at the time, and we ended up returning it, after I realized outlook wasn't included. Anyhow. I returned it to bestbuy, and got a full refund. But, my mothers statement was credited for the $30.. and the reward points were never deducted. So, we pretty much scammed (and I'll admit this was unintentionally) amex out of $30 and a perhaps $2 of a reward points.

I thought I'd throw that in.. because, I know from experience, that perhaps, there not all that great at tracking that stuff over at Amex. Or Perhaps, they just don't care.


I've returned or gotten a refund on a few transactions where amex was giving a credit. In every case, they applied an adjustment of the credit, once several months later. (And they're very good about not giving out points they don't need to, they're awarded on the net purchases on a statement. So if you purchase something that's on your december bill, but return it on February's, the Februrary statement will show the point shortfall.)



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