What happens if I make a return after redeeming rewards?

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What happens if I make a return after redeeming rewards?

Postby what2do » Mon Apr 08, 2013 3:54 pm

new here! been lurking and absorbing all the info on this forum.
now i am in a situation and dont know what to do...

with my last purchase of some clothes, i hit the 10,000pt mark and so i ordered a 100$ gift card as my reward thru my credit card company. now i am second guessing some of the clothes i bought and want to return them... so my questions are:

-how will this effect my rewards?
-will i have to return my gift card to my capital one (my credit card company)?
-if it weren't for my clothing purchase i would not have had enough points to get the gift card and am scared that if i return the clothes i don't like, capital one will come after me! can they? or will i have a negative balance of points? I just want to make sure i wont get in trouble...

Thanks to all who answer!

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Postby Dman316 » Sun Apr 14, 2013 10:16 am

I doubt they will come after you. If anything it might put your points in the negative for a bit. Per my signature I have CapOne and anytime I've had to return and I had a zero point balance it made it negative until a purchase offset it.
My Cards

Chase Freedom Visa Signature: $5.2K
Capital One Quicksilver Visa: $7.5K
Discover IT: $5.5K
Huntington Voice World Mastercard: $1.6K

In the garden indefinitely.

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Postby nishant » Sun Apr 14, 2013 5:47 pm

Your future points will be adjusted against the shortfall.

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Postby GhostLykeSwayze » Wed Apr 17, 2013 2:18 am

I've never thought about this. Consider this, you could purchase an item from a store that has a good return policy. Make sure that item costs more than the amount you would have to spend to receive your bonus. Then once you get the bonus, simply return the item. You've essentially spent $0 and gained a large amount..I know some offer bonuses as high as $400. Surely the credit card companies have something in place to prevent this. I would never try this, mainly because it feels morally wrong, but I'm curious if anyone knows exactly how this would work. The two posts above make me think someone could get away with this. Or am misunderstanding something? Thoughts?

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Postby FastSRT8 » Sat Apr 20, 2013 10:17 am

What was the outcome?

This is a good scenario.
Carpe diem quam minimum credula postero!

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Postby hematino » Sat Apr 20, 2013 3:55 pm

Return the clothes anyway and just ask for a merchandise credit instead of a refund to your card. The CC company won't ever know and you will have some store credit to buy something you want instead at a later date. Win/win.
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Postby nvtech » Wed May 01, 2013 10:45 am

Double dip the merchandise credit with an other cashback portals..to earn even more.. :cool:

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Postby Z06Biker » Wed May 01, 2013 1:50 pm

#gamethesystem #stickittotheman
AMEX: PRG Gold, Business Simply Cash, Business Costco, BCE.
Chase: United MileagePlus Club, Sapphire Preferred, Amazon Rewards
Barclaycard Arrival World Mastercard
HSBC Cash or Fly World Mastercard
USAA World Mastercard, USAA Platinum Mastercard
Wells Fargo Business Platinum
USC Credit Union Mastercard

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Postby kcm7 » Fri Dec 12, 2014 12:30 pm

Figured I'd hop on this thread instead of starting a new one.

I'm thinking of getting the Quicksilver card (I'm in the market for a basic cash-back non-category card with a decent sign-up bonus). In any case, one of the first things I'm going to use it for is to buy a fancy dress for a fancy event. Plan is to order like 4-5 dresses online, try them on, pick one and return the rest. Those dresses are going to be more than $500 altogether, meaning I'll be hitting the requirement for the sign-up bonus right out the gate.

I'm just worried that Cap One is going to give me the $100 bonus as soon as I earn it -- and then yank it once I return those items. I know I'll hit $500 in other stuff within three months, but I'm worried by then I'll be disqualified from getting the bonus again.

I plan to ask Cap One about this, but wanted to see first if anyone has had a similar experience before I wade into the Cap One customer service labyrinth.

-Capital One Quicksilver
-Barclaycard Arrival (no AF)
- US Bank (no rewards)

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Postby Cre » Thu Dec 25, 2014 12:37 pm

Subscribing. I want to know the outcome of either one of the posted scenarios.
Current Cards:
AmEx Platinum Charge: NPSL, $450 AF
AmEx Reserve Credit: $30K limit, $450 AF
Chase Slate Visa Credit: $32K limit, No AF
Future Strategy:
Near Term: Need a good MasterCard for places that won't accept AmEx or Visa
Long Term: Will downsize out of one or both current AmEx cards to reduce AFs

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