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This thread is to discuss whether people feel that something is unethical, not to find out what the law*/T&C says.

Any Halachic questions should be posted here.

*According to CountValentine this includes religion, but unfortunately for him, the general consensus is that religion will always be entwined in this thread.

*Hint* It's most likely not ethical.

Author Topic: Is It Ethical?  (Read 246325 times)

Offline @Yehuda

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Re: Is It Ethical?
« Reply #1290 on: March 26, 2014, 07:46:52 PM »
Seems you're right... let the debate begin!
Sweet!
Here's T&C from Citi Exec 100,000 which we all know no one around here is churning.

Offline george

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Re: Is It Ethical?
« Reply #1291 on: March 26, 2014, 07:50:50 PM »
An important point is that when you churn, you are not actually violating the T&C's. If anything, the bank is!
Let me explain: all you do is sign up for a card that you once had. Is that against the T&C's? No. It doesn't say the CARD is only for first timers; it says the BONUS is for first timers. So when the bank decides to bestow upon you a bonus that you were not promised, that is their prerogative.
Now, the newest Amex terms might actually say that the card itself is only for first timers - I don't remember right now, maybe someone can chime in. But certainly the other banks are as I said.

Offline @Yehuda

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Re: Is It Ethical?
« Reply #1292 on: March 26, 2014, 07:56:46 PM »
An important point is that when you churn, you are not actually violating the T&C's. If anything, the bank is!
Let me explain: all you do is sign up for a card that you once had. Is that against the T&C's? No. It doesn't say the CARD is only for first timers; it says the BONUS is for first timers. So when the bank decides to bestow upon you a bonus that you were not promised, that is their prerogative.
Now, the newest Amex terms might actually say that the card itself is only for first timers - I don't remember right now, maybe someone can chime in. But certainly the other banks are as I said.
That's interesting. I mean I always knew that the banks can (and sometimes have) decide(d) to not give you the bonus on a churn (i.e. a failed churn). So if a churn works, then the fact that they gave you the points is, like you said, their prerogative - no one forced them.

Offline Achas Veachas

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Re: Is It Ethical?
« Reply #1293 on: March 26, 2014, 08:33:22 PM »
That's interesting. I mean I always knew that the banks can (and sometimes have) decide(d) to not give you the bonus on a churn (i.e. a failed churn). So if a churn works, then the fact that they gave you the points is, like you said, their prerogative - no one forced them.
I believe that's what the question is, is it ethical to fool a bank into giving you a bonus you aren't entitled to...
Curiosity made the cat smarter.

Offline george

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Re: Is It Ethical?
« Reply #1294 on: March 26, 2014, 08:47:24 PM »
I believe that's what the question is, is it ethical to fool a bank into giving you a bonus you aren't entitled to...
Indeed, that is the question. I was just pointing out that churning generally does not involve directly violating the T&C's. (As opposed to, for example, selling an airline voucher.)

Offline rots5

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Re: Is It Ethical?
« Reply #1295 on: March 27, 2014, 05:19:04 AM »
I just asked a shaila. 100% to as if checkout guy didn't scan. But u have to make it that he was able to have scanned it. Obviously if u hide it under the shirt that's called matte alum and its assure.
If you have any questions please search and then ask. PM me for detailed help.

Offline Myccrabbi

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Re: Is It Ethical?
« Reply #1296 on: March 27, 2014, 07:29:46 PM »
I passed by one of these signs that advertise signing u up for credit card, and thought of ripping it down. Whata u guys think?
If u work for a living, why kill urself working?

Offline mr. perfect

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Re: Is It Ethical?
« Reply #1297 on: March 27, 2014, 08:41:00 PM »
I passed by one of these signs that advertise signing u up for credit card, and thought of ripping it down. Whata u guys think?
maskim
be smart and don't mess things up please

Offline ayman

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Re: Is It Ethical?
« Reply #1298 on: March 27, 2014, 10:34:27 PM »
I passed by one of these signs that advertise signing u up for credit card, and thought of ripping it down. Whata u guys think?
Like this? Saw it in yeshiva and had to laugh.


Offline etech0

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Re: Is It Ethical?
« Reply #1299 on: March 27, 2014, 10:50:44 PM »
If I make purchases for work with work's credit card, is it ethical to go through a portal to earn myself some cashback?
Workflowy. You won't know what you're missing until you try it.

Offline Achas Veachas

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Re: Is It Ethical?
« Reply #1300 on: March 27, 2014, 11:31:38 PM »
If I make purchases for work with work's credit card, is it ethical to go through a portal to earn myself some cashback?
Assuming you aren't causing the business to lose money, that's what most of these portals are for, as an incentive for those doing the buying for businesses to buy from them.
Curiosity made the cat smarter.

Offline mr. perfect

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Re: Is It Ethical?
« Reply #1301 on: March 27, 2014, 11:41:52 PM »
Like this? Saw it in yeshiva and had to laugh.


these guys could rip peoples phants off
be smart and don't mess things up please

Offline Hirshthg

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Re: Is It Ethical?
« Reply #1302 on: March 28, 2014, 12:11:50 AM »
I just asked a shaila. 100% to as if checkout guy didn't scan. But u have to make it that he was able to have scanned it. Obviously if u hide it under the shirt that's called matte alum and its assure.
If you hide it under your shirt you were not matte him, it's all on you. Some call it shop lifting;)

Offline etech0

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Re: Is It Ethical?
« Reply #1303 on: March 28, 2014, 12:44:38 AM »
Assuming you aren't causing the business to lose money, that's what most of these portals are for, as an incentive for those doing the buying for businesses to buy from them.
Guess that makes sense. The only thing that I've been thinking is that I could theoretically do the same and collect cashback for the office.
Workflowy. You won't know what you're missing until you try it.

Offline Achas Veachas

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Re: Is It Ethical?
« Reply #1304 on: March 28, 2014, 12:46:07 AM »
Guess that makes sense. The only thing that I've been thinking is that I could theoretically do the same and collect cashback for the office.
If you fly for business would you give the miles to the business?
Curiosity made the cat smarter.