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Author	Topic: Gas Discount Credit cards: Not credited.	Topic is locked Back to Topics

movrshakr Champion Author Florida Posts:1,324 Points:1,472,970 Joined:Jan 2008	Message Posted: Feb 4, 2008 12:37:32 PM Ignore movrshakr Report Abuse I have a Chase card that gives 3% discount for "gas purchases." I was noticing that my credits were nowhere near 3% of my gas expenditures. When I asked the card phone rep about this, she said that it is probably because it applies only to "pure GAS stations." Places that have convenience stores as well as gas are called convenience stores in the credit card system, so they don't count. They aren't "gas stations." Has anyone else checked this if you have a card that gives discounts?

movrshakr

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Florida

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Message Posted: Feb 4, 2008 12:37:32 PM

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I have a Chase card that gives 3% discount for "gas purchases." I was noticing that my credits were nowhere near 3% of my gas expenditures. When I asked the card phone rep about this, she said that it is probably because it applies only to "pure GAS stations." Places that have convenience stores as well as gas are called convenience stores in the credit card system, so they don't count. They aren't "gas stations."

Has anyone else checked this if you have a card that gives discounts?

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airduct Champion Author Florida Posts:11,319 Points:293,020 Joined:May 2005	Message Posted: Apr 6, 2008 11:43:08 PM Ignore airduct Report Abuse movrshakr -- I have never had that problem with gas station/convenience stores. I have been denied my cash back reward when I purchased gas at the Meijers gas stations in the OH and IN area.. When I ask the question to my credit card company I was told it was because of the "code" that is used to identify the business. If they use the same code for gas as they do for the department/grocery store it is not looked at as a gas purchase. With my credit cards (Discover and a PenFed Visa) I have received my cash rebate when buying gas at the exchange gas stations/class VI.... I guess it has a lot to do in how your credit card handles it and what codes they have listed as "gas stations".. The Meijers stores was the only place this has happened to me.... If you are not familiar with a Meijers store it is like a Super Wal*Mart with a Murphy Gas station...
movrshakr Champion Author Florida Posts:1,324 Points:1,472,970 Joined:Jan 2008	Message Posted: Feb 19, 2008 2:37:30 PM Ignore movrshakr Report Abuse yeah, but how do you know? The people you ask at the stores have no clue, and you can't test it because the items on the statement don't tell you what percentage they are earning. "They" don't want you to know, IMNSHO.
wbryan Rookie Author Dallas Posts:95 Points:22,295 Joined:May 2006	Message Posted: Feb 19, 2008 10:45:58 AM Ignore wbryan Report Abuse Hey, movrshakr, I had several Chase cards myself, and yes, I had this problem. It is also a problem with other types of rebate cards, including grocery stores, hardware stores, etc. The stores hve to be "registered", sort of, with the card provider. And even then, discount grocery stores such as Walmart do not count/do not qualify for grocery store types of rebates. Same with the gas providers. You have to search around and find a cheap; one that DOES qualify, and use it/ or them, as much as possible in order to get the most out of your Chase or Discover cards.
movrshakr Champion Author Florida Posts:1,324 Points:1,472,970 Joined:Jan 2008	Message Posted: Feb 15, 2008 3:55:14 PM Ignore movrshakr Report Abuse Regarding the Class Six store where I was purchasing the gas....yes, I was a contractor on base, but that only put me constantly near the facility. I was authorized to use it because I am retired military. Just wanted to make sure that was on record.
celtic14 Champion Author Florida Posts:1,336 Points:2,155,480 Joined:Nov 2005	Message Posted: Feb 15, 2008 12:52:22 PM Ignore celtic14 Report Abuse movrshakr queried: "celtic14, which card did you switch to?" We already had a regular Discover card. A single phone call switched it to the gas discount card effective the next billing cycle.
BluStar55 Champion Author Virginia Posts:2,627 Points:1,461,930 Joined:Sep 2005	Message Posted: Feb 11, 2008 6:15:54 PM Ignore BluStar55 Report Abuse I just found some interesting info on the Discover Card gas rebate. "The catch? Discover has set a limit of $100 a month on gas and auto purchases eligible for the 5% rebate, which means cardholders can't get more than a $5 rebate per month at that rate. After reaching the cap, borrowers receive a rebate at the standard 1%. " Credit cards that clip your gas bill by By Laura Mandaro, MarketWatch movrshakr, Interesting about the AAFES, thought that might be a problem myself.
movrshakr Champion Author Florida Posts:1,324 Points:1,472,970 Joined:Jan 2008	Message Posted: Feb 11, 2008 5:12:58 PM Ignore movrshakr Report Abuse By the way, it occurs to me that when I was suspicioning that I was not getting the right rebate amount, I was buying almost all of my gas from the AAFES Class Six location on a military base (I worked for a contractor on the base). That facility is similar to a 7-11...convenience store plus ABC store with pumps outside. Maybe that was the only one not being counted as a gas sale.
movrshakr Champion Author Florida Posts:1,324 Points:1,472,970 Joined:Jan 2008	Message Posted: Feb 11, 2008 5:06:54 PM Ignore movrshakr Report Abuse celtic14, which card did you switch to?
BluStar55 Champion Author Virginia Posts:2,627 Points:1,461,930 Joined:Sep 2005	Message Posted: Feb 11, 2008 4:41:24 PM Ignore BluStar55 Report Abuse Thanks movrshakr, definitely a whole lot fuzzy, the fuzzy made me woozy trying to figure it out. Thanks celtic14, I'm interested in info about the Discover Card as well as KOKipper. Keep us posted and let us know what you think. TKS. Take care FoLks !!!
celtic14 Champion Author Florida Posts:1,336 Points:2,155,480 Joined:Nov 2005	Message Posted: Feb 11, 2008 12:21:39 PM Ignore celtic14 Report Abuse We just switched our Discover card to one with the extra gasoline rebate. The statements on the current card break down by category, and gas bought at RaceTrac, Sunoco & others show up as "gasoline" even though those stations also have convenience stores on site. I'll check next month's statement to insure we're getting the correct rebate.
movrshakr Champion Author Florida Posts:1,324 Points:1,472,970 Joined:Jan 2008	Message Posted: Feb 10, 2008 8:54:21 PM Ignore movrshakr Report Abuse Wow, great analysis. I am coming to the conclusion it is too fuzzy and too hard. The amounts were "close" to right, but not perfectly right--so I will just go with it. Of course, if they cheat just a little on everybody's amounts, it would add up to millions for them.
BluStar55 Champion Author Virginia Posts:2,627 Points:1,461,930 Joined:Sep 2005	Message Posted: Feb 10, 2008 9:14:52 AM Ignore BluStar55 Report Abuse Hi movrshakr, I haven't seen anywhere on the statement that breaks down the Transaction Description. Online, you can review your activity (See activity) and it will also give you the type of transaction next to the Merchant Name or Transaction Description within parenthesis for each individual purchase. I believe you have to review the activities before your statement is ready because they won't be available for review for prior months activities. There isn't any clean break down for Gas alone and is included within Vehicle Expenses. Examples: Hess (Vehicle Expenses) Auto Repair (Vehicle Expenses) Motel (Lodging) Cafe Eatery (Dining and Entertainment) Food Store (Other) AAA Renewal (Other) Appliance Store (Other) and the rebates applies as follows: Hess (Vehicle Expenses) 3% Auto Repair (Vehicle Expenses) 1% Motel (Lodging) 3% sometimes 1% Cafe, Eatery (Dining and Entertainment) 3% sometimes 1% Food Store (Other) 1% AAA Renewal (Other) 1% Appliance Store (Other) 1% ------------------------------- I just went thru my statements and NONE of the (statement)-rebates from gas $6.20 (actual gas rebate $3.73) or (statement)-rebates from purchases $8.36 ( actual $10.83) were correct except when I didn't have any gas purchases. When I calculated each individual purchase for which I thought the 3% or 1% rebate should be applied to the individual purchases, then the (statement)-Total remaining rebates $14.56 and actual calculated rebates were the same. -------------------------------- As far as how any of the purchase are coded from the Merchant to the Credit Card Co., is beyond me. So it doesn't surprise me that the rebates you calculate from gas and other purchases don't equate according to my cc statements. Remember to round-up to the penny when calculating the rebate for each purchase. Example Gas with 3% rebate if 7-ELEVEN is included: 46.20 AAFES Class Six = 1.386 rebate 1.39 36.22 Hess = 1.0866 rebate 1.09 18.77 "Sunoco svc station" = .5631 rebate .57 20.78 7-ELEVEN = .6234 rebate .63 27.78 Hess = .8334 rebate .84 Total rebate rounded $4.49 = rounded-up $4.52 Your Statement read -rebates from gas $5.05 -rebates from purchases $12.23 -Total remaining rebates $17.28 and should have read -rebates from gas $4.52 -rebates from purchases $12.76 -Total remaining rebates $17.28 Your total purchases based on your rebates could have been approximately anywhere between $576 to $1728. If you eliminate gas purchases of $150, the remaining purchases could have been anywhere between $426 and $1578. Bottom line-- You'll have to scrutinize each line item purchase to calculate your rebates at either 3% or 1%. Again, I hope this helps and sorry this message is sooo long. Please let me know what you calculate now. Thanks
movrshakr Champion Author Florida Posts:1,324 Points:1,472,970 Joined:Jan 2008	Message Posted: Feb 9, 2008 10:45:08 AM Ignore movrshakr Report Abuse blustar, how do you see which items got what percent of rebate? My Perfectcard statement just shows a summary of rebates -prev bal $31.69 -rebates from gas $5.05 -rebates from purchases $12.23 -redeemed this period $31.69 (bought a refrigerator last month) -remaining $17.28 but nothing shows what lines in the detail section created the $5.05 calculation. Here are what I see as the gas purchases on this statement: 46.20 AAFES Class Six 36.22 Hess 18.77 "Sunoco svc station" 20.78 7-ELEVEN (do these count as gas? How do they know if it was food or gas?) 27.78 Hess ------ 149.75 3% of that is 4.4925; but I was awarded 5.05. So, this month, I got more! 3% of what number would give me 5.05? 168.33 They computed on 18.58 more than I add up, but there is not ANY charge on the statement near that amount, much less a gas one! So, ????????? Again, I wish they would mark each line with a code symbol that equated to the percent rebate applied to that line. I don't think they want you to track what they do.
BluStar55 Champion Author Virginia Posts:2,627 Points:1,461,930 Joined:Sep 2005	Message Posted: Feb 8, 2008 11:48:48 AM Ignore BluStar55 Report Abuse I have a Chase Perfect Card and I went back thru the whole last year's statements. This is the breakdown of the rebates on purchase types. Gas 3% Dining and Entertainment 1% sometimes 3% Lodging 3% Lodging (independently owned) 1% Other 1% All rebates for purchase in the month of November for some reason were at 3%. Must have been a special going on. One thinng that's confusing is that at the bottom ,the REBATE CREDIT is for the previous month's purchases. Also the percentage of the rebate is rounded up ( purchase $34.25 X 1%= $.3425 rebate is $.35). At least that's the way it broke down for me. Hope this helps........
3_Dogs Champion Author Florida Posts:1,494 Points:333,840 Joined:Dec 2006	Message Posted: Feb 8, 2008 7:55:01 AM Ignore 3_Dogs Report Abuse I've used my Discover card for gas for years, and am signed up for their extra cash-back, but I really can't see if there has been anything extra credited. They don't show details.