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 1182654 times)

Offline 12HRS

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jun 2013
  • Posts: 5108
  • Total likes: 575
  • DansDeals.com Hat Tips 6
    • View Profile
Re: PSA: Don't swipe recklessly for others
« Reply #3520 on: March 28, 2019, 02:03:06 PM »
The headline title when clicking on the link is "Mega Money Market® Checking" and if a checkbook is issued, one might mistake it for a checking account without said limitation.

I hear that. huge assumption on checkbook being issued though

Online yitzgar

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Dec 2016
  • Posts: 3078
  • Total likes: 1277
  • DansDeals.com Hat Tips 1
    • View Profile
Re: PSA: Don't swipe recklessly for others
« Reply #3521 on: March 28, 2019, 02:09:38 PM »
If playing things right one can expect to settle for 30% or less, depending on circumstances, sizes of accounts, which banks, etc.
Income tax on unpaid amount, so better to keep total owed as low as possible

Online ExGingi

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Nov 2015
  • Posts: 15618
  • Total likes: 7712
  • DansDeals.com Hat Tips 19
    • View Profile
  • Location: 770
  • Programs: בשורת הגאולה. From Exile to Redemption. GIYF. AAdvantage Executive Platinum®
Re: PSA: Don't swipe recklessly for others
« Reply #3522 on: March 28, 2019, 02:11:21 PM »
Income tax on unpaid amount, so better to keep total owed as low as possible

Except if insolvency exception applies.
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline zale

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jun 2011
  • Posts: 1424
  • Total likes: 374
  • DansDeals.com Hat Tips 3
    • View Profile
  • Location: Brooklyn, NY
Re: PSA: Don't swipe recklessly for others
« Reply #3523 on: March 28, 2019, 03:50:12 PM »
On this topic I have a friend who swiped his way into credit card debt of approx 30k. At this point all his cards are maxed out. He can afford to pay the minimum payments but that would take years to actually pay off. Is it worthwhile for him to just stop paying and then settle with the cc companies?

30K is a payable number. I wouldn't advise this unless he can work out an agreement with the lenders to show "paid" on his report and not "settled".

Offline Denverite

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: May 2015
  • Posts: 2006
  • Total likes: 181
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: Denver
Re: PSA: Don't swipe recklessly for others
« Reply #3524 on: April 03, 2019, 10:54:09 PM »
https://forums.dansdeals.com/index.php?topic=102731.0;topicseen

Maybe this guy was just running his own business and not swiping since he seems to be genuinely confused as to why he was shut down. Collateral damage then from all these schemes?

Offline LoLo

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Aug 2014
  • Posts: 3772
  • Total likes: 197
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
Re: PSA: Don't swipe recklessly for others
« Reply #3525 on: April 03, 2019, 11:12:46 PM »
Many people shutdown are confused.

Offline PSA2

  • DansDeals Copper Elite
  • *
  • Join Date: Feb 2019
  • Posts: 3
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: US
Re: PSA: Don't swipe recklessly for others
« Reply #3526 on: April 03, 2019, 11:23:44 PM »
Any update on the lawyer group ?

Offline elimmm

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Apr 2015
  • Posts: 726
  • Total likes: 74
  • DansDeals.com Hat Tips 0
    • View Profile
Re: PSA: Don't swipe recklessly for others
« Reply #3527 on: May 24, 2019, 08:46:53 AM »
How come this thread has for silent? Was there a settlement?

Offline schneury

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Feb 2011
  • Posts: 540
  • Total likes: 30
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Brooklyn
Re: PSA: Don't swipe recklessly for others
« Reply #3528 on: May 24, 2019, 08:51:02 AM »
How come this thread has for silent? Was there a settlement?
their probably still working on it as long as everyone stays quiet 🤫

Offline Denverite

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: May 2015
  • Posts: 2006
  • Total likes: 181
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: Denver
Re: PSA: Don't swipe recklessly for others
« Reply #3529 on: June 02, 2019, 11:42:17 PM »
https://forums.dansdeals.com/index.php?topic=104125.0;topicseen

Is this arbitration related to this thread?

Offline syk3569084

  • Non-Elite Member
  • Join Date: Jun 2019
  • Posts: 0
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: PSA: Don't swipe recklessly for others
« Reply #3530 on: June 03, 2019, 12:12:04 PM »
does anyone know if these buying group are legal?

and how they make money?

because i know that there are certain websites that will cancle your order if you ship it to the buying groups address!!

Offline tzifanya54

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jan 2012
  • Posts: 5629
  • Total likes: 233
  • DansDeals.com Hat Tips 1
    • View Profile
Re: PSA: Don't swipe recklessly for others
« Reply #3531 on: June 03, 2019, 01:51:05 PM »
does anyone know if these buying group are legal?

and how they make money?

because i know that there are certain websites that will cancle your order if you ship it to the buying groups address!!
No!! Cancel orders??? Can’t be!!!

Offline grodnoking

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Nov 2014
  • Posts: 5847
  • Total likes: 767
  • DansDeals.com Hat Tips 17
    • View Profile
Re: PSA: Don't swipe recklessly for others
« Reply #3532 on: June 03, 2019, 02:00:46 PM »


does anyone know if these buying group are legal?

and how they make money?

because i know that there are certain websites that will cancle your order if you ship it to the buying groups address!!

They are illegal businesses which make money getting people's orders canclled from certain websites.

No, they are not illegal, rather against terms and conditions of certain websites. They make money because they sell what you buy for them.
I'm not who you think I am.

Offline Mo2

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: May 2013
  • Posts: 638
  • Total likes: 77
  • DansDeals.com Hat Tips 4
  • Gender: Male
    • View Profile
  • Location: USA
Re: PSA: Don't swipe recklessly for others
« Reply #3533 on: June 03, 2019, 02:22:00 PM »
It must be illegal.

Since "certain websites" orders get canceled they must only be making money by selling all the personal information of the people they con into joining. "Certain people" told me they have 1000's of people's info already!
Common sense is not a gift, it is a punishment.
Because you have to deal with everyone who doesn't have it.

Offline Yehuda25

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2013
  • Posts: 6069
  • Total likes: 78
  • DansDeals.com Hat Tips 9
    • View Profile
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle

Offline chevron

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Dec 2013
  • Posts: 2552
  • Total likes: 543
  • DansDeals.com Hat Tips 2
    • View Profile
Re: PSA: Don't swipe recklessly for others
« Reply #3535 on: June 03, 2019, 09:40:51 PM »
https://banquest.com/blog/playing-the-system/

Very true but people don't see it as 3%. A 2% cash back card may make it seem like nothing. Also people do it one time don't think they'll do it again regardless.

But yeah, running a business is not always easy.

Offline knowitall

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Dec 2013
  • Posts: 747
  • Total likes: 194
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: 08701

Online CountValentine

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Mar 2013
  • Posts: 15788
  • Total likes: 7316
  • DansDeals.com Hat Tips -1
  • Gender: Female
    • View Profile
  • Location: Poland - Exiled
  • Programs: DAOTYA, DDF Level 3, 5K Lounge
Only on DDF does 24/6 mean 24/5/half/half

Offline Dan

  • Administrator
  • Dansdeals Lifetime 50K Diamond Elite
  • **********
  • Join Date: May 2008
  • Posts: 67599
  • Total likes: 16910
  • DansDeals.com Hat Tips 16442
  • Gender: Male
    • View Profile
  • Location: CLE
  • Programs: UA GS, AA EXP, DL Dirt, Hyatt Glob, Fairmont Lifetime Plat, DD Diamond, Blocked By @NeriaKraus
Re: PSA: Don't swipe recklessly for others
« Reply #3538 on: June 15, 2019, 11:37:57 PM »
https://drive.google.com/file/d/19J9GYyg8gtHZ9RnhdqYvT393D7Csh8Y8/view?fbclid=IwAR1loxGhfSAtO70rgUuIDaOpKWrlfRg-AspDAXMW6zH1JhOXLI0frCeK1Lk


119. Card issuers typically do not expressly prohibit the cardholders from participating
in swipe for point programs in the agreements that the cardholders purportedly must comply with
as a condition of using the cards.
120. Indeed, many of the cardholder agreements with the Card Issuer Defendants
expressly permit the cardholders to engage in transactions for “cash or cash equivalents.”
Except that all cards specify that you don't get points and must pay interest for cash or cash equivalents.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline gingyguy

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Sep 2011
  • Posts: 1434
  • Total likes: 419
  • DansDeals.com Hat Tips 36
  • Gender: Male
    • View Profile
  • Programs: I don't like to brag
Re: PSA: Don't swipe recklessly for others
« Reply #3539 on: June 15, 2019, 11:46:54 PM »
Except that all cards specify that you don't get points and must pay interest for cash or cash equivalents.
you read through it pretty fast ! im still sitting with a calculator trying to see if it really $50 million
May you slide down the banister of happiness & get many splinters of success up your career.