Tag: shopping

Don’t buy/give gift cards! Store bought Visa gift cards are unsafe!

Unless someone really wants a gift card like the ones in the photo, I would not recommend it! They’re unsafe and prone to hacking. I’ve been burnt twice now for over $600 with no recourse. I bought these because I wanted to pay off some bills with American Express. Because those providers didn’t take AMEX, I bought Visas to do it with. I left the cards sealed and unopened in my drawer figuring that I would just use them later.

The first time I ran into an issue was when I logged into the website and saw that my $500 gift card had only $2 on it! Turned out that somehow, it was used at Gamestop for $497.xx. I had no idea how that could’ve happened! The card was in my drawer and I had just opened it! I emailed the company to file a dispute and I got this response:

  
CONTENT SOLUTIONS COMPANY
Communication Update    Subject: charge dispute  Hello,   Our team is currently working on your Case CS2767575 and has the below update. Thank you for your patience with this matter.   Comments:
Hello,

As stated in your Account Agreement, account discrepancies are to be communicated to us no later than 60 calendar days after the transaction history was first made available to you. Unfortunately, we did not receive your inquiry within this time limit. We have no recourse to recoup these funds for you.

Therefore, we are unable to credit your account, thus closing this dispute. Although we are not able to assist you further, we urge you to pursue this matter directly with the merchant.

We appreciate your business and value you as a customer. If you have any questions about this matter, please contact our Customer Service Department at the number or website address listed on the back of your card. This inbox is used strictly to receive documentation, or information requested related to the disputes processes. We are unable to provide account or disputes updates and apologize for any inconvenience this may cause.

Thank you,
Customer Dispute Services
   Case Status Tracker (Resolved)    What Next? Our customer service team will reach out to you shortly regarding your issue.     Any Questions?   Click here to reply.                                                                      
 

Sure, I let the card sit in my drawer for a long time, but the card hadn’t expired. How did it get used!?

My best guess as to how the card got used: Their website sucks. Now, it has a little stupid check to see if you’re human – shows you a picture of a toy that you need to rotate and when you finally get it, you could check your cards – register the card to use online, check balance, etc. I think maybe the theft happened prior to this security measure was put in place. Maybe it wasn’t. Anyway, I think someone had a script that generated numbers against their website for CVV matches and return the gift card values.

I was unlucky. Hope you’re not next. If you must buy gift cards, definitely have a plan on using them. If someone gave you one, try to use it asap. Some ideas on how to use them – obviously, it’s best to get cash for them if possible. It’s possible, but not easy. I’ve traveled to different places where Walmart cashiers are oblivious and would sell money orders for them. Most Walmarts will not. I’ve also loaded a bluebird card with one as well. Unfortunately, none around me will do it. I think it’s just how lucky you are. The way I use the cards is by doing my regular spend and all of my bills. T-Mobile takes them, I’ve used them for my water bills and energy bills as well. It’s great that I could use them to the penny.

Hope this helps!

By the way, if you’ve been screwed like me and think this is worthy of a class action lawsuit, please let me know and I would love to join.

Gift cards expired? Maybe not!

I recently found an old gift card that had expired and was thinking of throwing it out, but a friend of mine in the past had told me that in California, they’re not allowed to expire, so I decided to look into it.

A quick search found me this website: http://www.ncsl.org/research/financial-services-and-commerce/gift-cards-and-certificates-statutes-and-legis.aspx

You can see what the legislation is in your state. It looks like now gift card vendors have worked around expiration dates with dormancy fees.

Luckily for me, I had recovered $50 I thought I had lost. I just called up the company on the number that was on the card and they said they would send a replacement.

3 Steps to shop for the best deals and get the maximum amount of points online!

While shopping this holiday season, don’t leave travel points or rebates on the table! A lot of people, myself included, often will just go straight to Amazon or eBay for certain things without even thinking about shopping around for the best deal or what rewards they can get for a purchase. I must admit that I’ve bought things countless times off of those sites either going directly or using a link off of a deal site.

Shopping online is almost always better than shopping at a brick and mortar. It’s almost always cheaper at least. One thing about shopping online though is that you can’t touch the product, smell it, etc. That said, you can always use the store as a showroom – go to a store and do that and then order online.

Decide what you want to buy: If you’re just looking for a deal and not looking for something specific, some of my favorite deal sites are: slickdeals.net, bensbargains.com, and spoofee.com. When you’re looking for something specific, you should search the forums on slickdeals.net to see what others say as well. For some tips on saving money from Amazon, check out thebabbleout.com.

At the point where you’ve decided on what you’re going to buy, do NOT just add to cart and buy. That won’t give you all the discounts or points you want.

Use Gift cards: First off, do you have any gift cards? If not, would it be worthwhile to buy one and get some points off of it? The best way to acquire gift cards is by seeing if there’s one you can get at a significant discount. A couple of ways to do this is via eBay or Gift Card Granny. Another one of my favorite ways to acquire gift cards is at 5% off. When the Chase Freedom card has 5x points on stores that sell gift cards, that’s when I go out and buy them. I bought a few thousand dollars worth of gift cards at Safeway the last quarter they had 5x points on grocery stores. That’s about 5% off right there. Another way I like to acquire gift cards is through Mileage Plus X. With it, you can get one or more United Airline miles for every dollar you spend on a gift card. I have learned whenever going to a chain store to check the app to see if I can buy a gift card for use.

Use shopping portals: When you’ve decided for certain what you’re buying and which store you’re buying from, if you’re buying online, you want to see if the store can be access via a  shopping portal for additional rewards. The site I like to use is evreward.com. It’s generally up to date, but sometimes, other shopping portals can run special promotions so that you might not want to miss. Also factor in bonuses. Sometimes, the shopping portals can run bonuses so you might want to buy from the same one, like if you spend X amount of $ using the portal, they can give you Y amount of points. The various shopping portals can give you points from a plethora of different loyalty programs, including cash back. Here are some of my favorites: Ebates.com for cash back, American Airlines AAdvantage eShopping for AA miles – they’re generally more than United miles. There are other shopping portals, but those are my favorites. It just depends on which airlines you like to fly, hotels you like to stay at, or if you would just prefer cash.

Buy with the credit card that gives you rewards. Lastly, use the credit card that gives you the rewards you want. This could be the Target card that gives you 5% off, your favorite airline card or your favorite cash back card. Just remember that when you spend cash, you lose cash.

So, here are some examples:

Last year, on Black Friday, I foolishly went into Target and bought an iPad. It was a great deal. I think it was $400 for a 64 or 128gb. I tried my Target card, but forgot the pin. I didn’t want to get back into line again, so I just bought it with my regular card that probably gave me 1% back. That’s only about $4. Had I been able to use the Target card, I would’ve gotten about $20. That’s a significant difference, but had I bought online, where I didn’t need to even leave the house, I could’ve used the AA portal, at the time that was giving 3 points per dollar, and gotten my 5% + about 1200 AA points. 1200 AA miles is a mid distance flight! There aren’t too many discounts for Target gift cards, so I’m going to leave that to another example.

I was in need of a laser printer and for some reason, after perusing deal sites, I decided on a Dell. There weren’t a ton of deals at the time, but then I decided to use gift card granny, that sent me to buy a gift card from Raise.com. The printer cost about $100, 108 with tax. I paid $96 for the gift card, giving me $4 off. The credit card I used to buy the card gave me 2% cash back, so I took another $2 back on top of that. I again used the AA portal to give me 3 AA miles per dollar and got just over 300 points.

There’s a local banya that I like to visit for hot tubbing and sauna. The typical entrance fee is about $50 for a 1/2 day. The place also sells a Groupon for about the same price for a full day. I never go for more than a 1/2 day anyway. Why would I buy a Groupon when there’s an expiration date and it’s no cheaper than going direct? Again, gift cards and shopping portal. I don’t remember what % off I got from Gift card granny. I might have bought it from Safeway @ 5% off. Then I took 3 AA miles/dollar @ the AA shopping portal. I’ve had up to 10 miles/dollar for Groupon via the United portal.

My last example is an interesting one. Capital One gives you a credit card number instantly after you’re approved when signing up for a new card. For this reason, I was able to use it immediately and knock out about $500 of spend before I even received my credit card in the mail. I keep a list of all of the automatic payments I made and when I get a new credit card number, I change them all immediately. I did this immediately after I applied and was approved for the Capital One Spark card. I then put the number into Mileage Plus X and went to the mall. There, we ate at Red Robin, Cold Stone Creamery, bought gifts and Hollister and Bed Bath and Beyond. For all of those things, I bought gift cards with the Mileage Plus X card. Spent all this money without even getting the credit card yet.

Happy Spending! Hope this read saves you some money! 🙂

Please share any of your tips down below. 🙂