Topic Wiki

https://www.dansdeals.com/more/dans-commentary/dark-side-earning-credit-card-points-psa-dont-swipe-others/

https://www.mixcloud.com/zev-brenner/talkline-with-zev-brenner-on-credit-card-scams-affecting-the-orthodox-jewish-community/

http://podcast.headlinesbook.com/e/31616-credit-card-miles-and-points-swiping-for-rewards-buying-and-selling-miles-is-it-assur-and-a-chillul-hashem-or-a-great-way-for-a-side-parnassah/



BEFORE SWIPING FOR SOMEONE READ THIS: (first hand story)

https://forums.dansdeals.com/index.php?topic=36812.msg2062371#msg2062371
https://www.dansdeals.com/more/dans-commentary/dark-side-earning-credit-card-points-psa-dont-swipe-others/#comment-1399884


Dan's warning to DDF:
I hope people realize that any buying group or anyone else that gets merchandise in advance of payment can go south at any time. That's even if you get a check at the time of delivery.
X-posting as I don't want anyone to say that I never put a warning here.

A story that ended up in court - https://iapps.courts.state.ny.us/nyscef/DocumentList?docketId=iRcRHuyZUdOIx69D00a5XQ==&display=all&courtType=Kings%20County%20Supreme%20Court&resultsPageNum=1


I am one of the biggest buyers for buying groups, I have done millions in transactions and have sent to every group there is over the past 3 years. Most buying groups are okay, some scan in slower than others, some pay slower than others - most will lose a few packages over the year. You can research and find which are better for you.

However there is a bigger problem now with Amazon itself.  Amazon in the past has been great with any problems always ready with a refund for lost packages even if it was thousands of dollars. Lately Amazon has clamped down and has tagged these buying groups addresses  in their systems as "freight forwarder" and now no longer will fix any problem you have whatsoever. Doesn't matter what the problem is, even if it shows the package was never delivered, amazon will not help you in any way. Their copy and paste response will always be "this item was sent to a freight forwarder and we're unable to replace or refund the item. We recommend contacting your freight forwarder for more details, as we don't have any more insight or information regarding this matter, For more information about sending items via freight forwarders, please visit our Help Pages: https://www.amazon.com/gp/help/customer/display.html?nodeId=201117950." As well the amazon drivers either must know this or have been increasingly bad at delivering packages because the numbers of packages missing has gone up astronomically. Previously you would have very few packages missing, now the past 3 months I have had 59 "lost" packages. I now have over $15,000 of loses and some guy in Delaware is probably living the life with all the stuff he stole from me. I will survive, I have made a lot more than $15,000 over the years however just a warning to others here that things are not as they used to be and it really is no longer worth doing buring groups with all the loses piling up

« Last edited by Yo ssi on July 24, 2023, 06:47:26 PM »

Author Topic: PSA: Don't swipe recklessly for others  (Read 1182330 times)

Offline sillypainter

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Re: PSA: Don't swipe recklessly for others
« Reply #2760 on: February 27, 2019, 09:31:25 AM »
Underage teenager alert!

This thread is for adults only. Underage teens not eligible for credit cards should be in READ ONLY mode.

Offline yossi1

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Re: PSA: Don't swipe recklessly for others
« Reply #2761 on: February 27, 2019, 09:38:46 AM »
H

Offline elimmm

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Re: PSA: Don't swipe recklessly for others
« Reply #2762 on: February 27, 2019, 09:40:24 AM »
On a side note, is this whole thing gonna make price of legit AMEX points skyrocket? What percentage of MR resale market were these guys supplying? Seems like a big number to me.

Offline Chief Rabbi of New York

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Re: PSA: Don't swipe recklessly for others
« Reply #2763 on: February 27, 2019, 09:41:08 AM »
Underage teenager alert!

This thread is for adults only. Underage teens not eligible for credit cards should be in READ ONLY mode.

insensitive to the people who just got scammed ?
you dont have to bash them by calling them underage

just give them advice and possible ideas to recoup the losses
Show Some Respect for Me, I am The Chief Rabbi of New York :)

Offline rileywiles23

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Re: PSA: Don't swipe recklessly for others
« Reply #2764 on: February 27, 2019, 09:48:07 AM »
On a side note, is this whole thing gonna make price of legit AMEX points skyrocket? What percentage of MR resale market were these guys supplying? Seems like a big number to me.
TARB
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Offline knowitall

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Re: PSA: Don't swipe recklessly for others
« Reply #2765 on: February 27, 2019, 10:16:17 AM »
On a side note, is this whole thing gonna make price of legit AMEX points skyrocket? What percentage of MR resale market were these guys supplying? Seems like a big number to me.
Why specifically MR? Cuz biz plat 1.5x on 5k+ swipes?

Offline shapsam

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Re: PSA: Don't swipe recklessly for others
« Reply #2766 on: February 27, 2019, 10:21:52 AM »
Why specifically MR? Cuz biz plat 1.5x on 5k+ swipes?
Much easier to swipe big amounts with Amex, but I'm sure there were plenty people doing this with Chase as well.

Offline joey89

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Re: PSA: Don't swipe recklessly for others
« Reply #2767 on: February 27, 2019, 10:24:04 AM »
Why specifically MR? Cuz biz plat 1.5x on 5k+ swipes?
Amex charge cards also increase your spending over time if you spend a lot and pay back timely

Offline shapsam

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Re: PSA: Don't swipe recklessly for others
« Reply #2768 on: February 27, 2019, 10:47:14 AM »

Offline lakewood34

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Re: PSA: Don't swipe recklessly for others
« Reply #2769 on: February 27, 2019, 11:25:29 AM »
As a layman i was just wondering that although i understand you cannot dispute the transaction for unauthorized use ,as you gave them permission to swipe but why can't you dispute for goods or services not received. The same way that if you ordered a item online and it never came you can dispute for goods not received (afaik) why can't you dispute that you never received your money .You let them swipe in exchange for money that you never received so you never received what was promised and what the basis of the transaction was -why is that not grounds for dispute ?

Offline whYME

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Re: PSA: Don't swipe recklessly for others
« Reply #2770 on: February 27, 2019, 11:27:50 AM »
As a layman i was just wondering that although i understand you cannot dispute the transaction for unauthorized use ,as you gave them permission to swipe but why can't you dispute for goods or services not received. The same way that if you ordered a item online and it never came you can dispute for goods not received (afaik) why can't you dispute that you never received your money .You let them swipe in exchange for money that you never received so you never received what was promised and what the basis of the transaction was -why is that not grounds for dispute ?
Answering as a layman who doesn't know what he's talking about:
Presumably there's something in the T&C that if you're using the card in a way that's against the T&C (swiping for cash) you're waiving your right to dispute.

Offline mmgfarb

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Re: PSA: Don't swipe recklessly for others
« Reply #2771 on: February 27, 2019, 11:28:59 AM »
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline rileywiles23

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Re: PSA: Don't swipe recklessly for others
« Reply #2772 on: February 27, 2019, 12:02:19 PM »
As a layman i was just wondering that although i understand you cannot dispute the transaction for unauthorized use ,as you gave them permission to swipe but why can't you dispute for goods or services not received. The same way that if you ordered a item online and it never came you can dispute for goods not received (afaik) why can't you dispute that you never received your money .You let them swipe in exchange for money that you never received so you never received what was promised and what the basis of the transaction was -why is that not grounds for dispute ?
Because a CC dispute isn't a lomdisheh sugya.
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Offline Yhgfkj

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Re: PSA: Don't swipe recklessly for others
« Reply #2773 on: February 27, 2019, 12:05:52 PM »
Lol, what a joke.
same as most rabbis..

Offline flyingace

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Re: PSA: Don't swipe recklessly for others
« Reply #2774 on: February 27, 2019, 12:07:48 PM »

Offline Chief Rabbi of New York

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Re: PSA: Don't swipe recklessly for others
« Reply #2775 on: February 27, 2019, 12:09:29 PM »
Lol, what a joke.


same as most rabbis..

please show some respect for the Chief Rabbi
Show Some Respect for Me, I am The Chief Rabbi of New York :)

Offline gubevo18

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Re: PSA: Don't swipe recklessly for others
« Reply #2776 on: February 27, 2019, 12:22:15 PM »
please show some respect for the Chief Rabbi
please please just go away.

Offline zale

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Re: PSA: Don't swipe recklessly for others
« Reply #2777 on: February 27, 2019, 12:35:01 PM »
As a layman i was just wondering that although i understand you cannot dispute the transaction for unauthorized use ,as you gave them permission to swipe but why can't you dispute for goods or services not received. The same way that if you ordered a item online and it never came you can dispute for goods not received (afaik) why can't you dispute that you never received your money .You let them swipe in exchange for money that you never received so you never received what was promised and what the basis of the transaction was -why is that not grounds for dispute ?

While looking up your question I incidentally came upon a new term: "Credit Card Kiting"

https://en.wikipedia.org/wiki/Credit_card_kiting

Offline ckmk47

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Re: PSA: Don't swipe recklessly for others
« Reply #2778 on: February 27, 2019, 12:46:50 PM »

While looking up your question I incidentally came upon a new term: "Credit Card Kiting"

https://en.wikipedia.org/wiki/Credit_card_kiting
"Credit card kiting refers to the use of one or more credit cards to obtain cash and purchasing power they do not have, or pay credit card balances with the proceeds of other cards. Unlike check kiting, which is illegal under nearly all circumstances, laws against credit card kiting are not completely prohibitive of the practice, thereby allowing it to be done to some degree. It is up to the banks to detect the practice and when necessary, stop it.

In order for prosecution to occur in a credit card kiting scheme, a bank must prove intent to deceive. Et seq. reference infers paying credit card minimum balances with credit card proceeds is de facto evidence of deceit."
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Offline ckmk47

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Re: PSA: Don't swipe recklessly for others
« Reply #2779 on: February 27, 2019, 12:48:05 PM »
Thank you zale.
Not illegal, but maybe against T&C.
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