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I feel compelled to speak about a "Kol Koreh" signed by a number of Rabbis making the rounds and being published together with an alleged "translation" or "explanation" of the hebrew side.
On the Hebrew side it speaks out against the credit card application farms and their methods as I wrote in point 2 here: http://www.dansdeals.com/archives/46584

However on the English side the author writes out against buying gift cards and every other method of manufactured spend to earn miles.

I figured it was worth investigating what exactly the Rabbis signed off on.  I called and asked Rav Shmuel Kamenetsky, the Rosh Yeshiva in Philadelphia, whether he agreed with the English side.  He said he never saw an English side and that it was terrible that it would imply that he was agreeing with anything that wasn't explicitly written on the Hebrew side.  And he said that it has to be corrected so that people don't get that impression.

He does not feel that "all methods of manufacturing spend for miles are abusive," and indeed if there are legal ways to do it, then people should go right ahead and earn the miles.

I also called Rav Dov Kahan, founder of Bais Din Maysharim in Lakewood.  He also did not agree that "all methods of manufactured spend are abusive" but felt that methods in which each party (the store and the credit card in the case of a gift card purchase) say that you can do so and it's not against any of their terms, would be permissible and that isn't what the Kol Koreh was targeting.

-Dan




Reply #194
Rav Kamenetsky just called me back.

He says aderaba, if people can find a way to purchase miles via stores who charge for gift cards and and they can get miles then good for them.  Nothing wrong with that kind of MS at all and he had no idea why the author would deceive him like that.

The problem he signed against was the companies opening cards for people and their methods, nothing else.


Reply #280
The only kind of MS that R' Kaminetzky said isn't "yashur" and that he was signing onto was for refundable items.

He wasn't told anything about any other kind of MS.





« Last edited by Dan on July 10, 2014, 09:49:35 PM »

Author Topic: Kol Koreh against MS  (Read 94383 times)

Offline aj26

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Re: Kol Koreh against MS
« Reply #400 on: July 09, 2014, 10:41:05 PM »
If you dont say anything, then before you know if they will be making asifias and stuff about this. (although I dont think they'll shlep all the way to CLE to protest outside your house.  Then again they may want to burn the last of their miles  :P)

In all seriousness, I believe it should be address, bec obviously the KK was totally misleading.

Maybe they'll have public cc burnings

Offline lunatic

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Re: Kol Koreh against MS
« Reply #401 on: July 09, 2014, 10:47:36 PM »
Maybe they'll have public cc burnings
Maybe they will not allow kids in lakewood schools if their parents go to staples

Offline churnbabychurn

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Re: Kol Koreh against MS
« Reply #402 on: July 09, 2014, 10:47:39 PM »
Actually the KK was about the CC farms and he said these CC farms have moved onto things beyond refundables into more murky territory
but he didn't want to tell me what exactly.
Anyone know anyone who actually signed up and can post a copy of their statements? Just curios.

Offline george

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Re: Kol Koreh against MS
« Reply #403 on: July 09, 2014, 10:54:41 PM »
Anyone know anyone who actually signed up and can post a copy of their statements? Just curios.
I would think they wouldn't have access to the statements. You think these guys provide their customers with login info etc? Why would they?

Offline menachem_m

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Re: Kol Koreh against MS
« Reply #404 on: July 09, 2014, 10:57:09 PM »
They go to the Rav because they have Yiras Shamayim. I'm sure they include all the facts, they want to know if it's the right thing to do.
Hate to break it to you, but people actually have two souls. One of them is evil.

It's also not so easy to be objective when you already decided the psak you want.

Again, I'm not suggesting that it's ossur. Just wondering if people objectivity explain both sides.

Offline churnbabychurn

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Re: Kol Koreh against MS
« Reply #405 on: July 09, 2014, 10:57:52 PM »
I would think they wouldn't have access to the statements. You think these guys provide their customers with login info etc? Why would they?
You think ALL their customer are absolute fools? Can't they call amex to login, don't they get any paperwork etc?

Offline churnbabychurn

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Re: Kol Koreh against MS
« Reply #406 on: July 09, 2014, 10:58:36 PM »
see the op
or am I not understanding your question.
Cc statements from the farmers. C:-)

Offline george

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Re: Kol Koreh against MS
« Reply #407 on: July 09, 2014, 11:01:05 PM »
You think ALL their customer are absolute fools? Can't they call amex to login, don't they get any paperwork etc?
By definition, yes. Well, not fools per se, but ignorant and naive certainly. Who else would be a customer?

Offline ybeeds

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Re: Kol Koreh against MS
« Reply #408 on: July 09, 2014, 11:47:37 PM »
Your missing the point. The potential problem that some people see here is doing it with chase.
Chase is OBVIOUSLY offering the 5% as a way to get you to have the card in your wallet. Think lounge access etc. Once it's in your wallet, they want a REAL business to do actually spending, and the occasional phone bill or staples visit will give them 5x.

I don't think anyone will argue with that. They cannot sustain 100% spending at office stores obviously.

Now, when you go out of your way to buy gc which you have 100% no need for you are perhaps exploiting them.

Some will say ossur. Some will say it's mutor as long as your following the T&C.

So I'm not sure what's radical about some saying its not ossur but your abusing chase. I don't necessarily agree, but I think it's definitely a legitimate view point.
May I make the assumption that you don't have a business of your own?

I can tell you from personal experience: Almost every last penny spent on my Chase Ink Business Credit Cards, is spent for business purposes, on 5 x rewards categories. That's close to half a million dollars last year alone. Chase is glad to keep me as customer. Yes, I did buy some, but very few GCs.

My office buzzes to the JewishMusicStream!!!

Offline Moes Tavern

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Re: Kol Koreh against MS
« Reply #409 on: July 09, 2014, 11:49:17 PM »
May I make the assumption that you don't have a business of your own?

I can tell you from personal experience: Almost every last penny spent on my Chase Ink Business Credit Cards, is spent for business purposes, on 5 x rewards categories. That's close to half a million dollars last year alone. Chase is glad to keep me as customer. Yes, I did buy some, but very few GCs.
The limit is $50K for 5x Rewards.   :P
"I've done some things I'm not proud of, and the things I am proud of are pretty disgusting"

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Re: Kol Koreh against MS
« Reply #410 on: July 09, 2014, 11:51:40 PM »
May I make the assumption that you don't have a business of your own?

I can tell you from personal experience: Almost every last penny spent on my Chase Ink Business Credit Cards, is spent for business purposes, on 5 x rewards categories. That's close to half a million dollars last year alone. Chase is glad to keep me as customer. Yes, I did buy some, but very few GCs.
A) Obviously wasn't referring to you.
B) Realize that you are in the minority.

Most legit business's don't have 97% of their spend in the 5x categories. If so, chase would not be running the promo. I think that's pretty self-understood.
If you personally are, good for you, and I can't see anything wrong with what your doing.

Offline avrumy22

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Re: Kol Koreh against MS
« Reply #411 on: July 09, 2014, 11:52:36 PM »
The limit is $50K for 5x Rewards.   :P

Exactly!! So hes saying its worth it for them to have him as a customer!!  :o

Offline Super Speed

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Re: Kol Koreh against MS
« Reply #412 on: July 09, 2014, 11:55:24 PM »
Exactly!! So hes saying its worth it for them to have him as a customer!!  :o
Or he has multiple Inks? :o


Offline Moes Tavern

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Re: Kol Koreh against MS
« Reply #413 on: July 10, 2014, 12:06:49 AM »
Exactly!! So hes saying its worth it for them to have him as a customer!!  :o
I was just being Captain Obvious.  ;)
"I've done some things I'm not proud of, and the things I am proud of are pretty disgusting"

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Re: Kol Koreh against MS
« Reply #414 on: July 10, 2014, 12:23:53 AM »
The limit is $50K for 5x Rewards.   :P
I have quite a few Ink cards... and they are all linked to one online account.  ::)
Almost every last penny spent on my Chase Ink Business Credit Cards, is spent for business purposes, on 5 x rewards categories. That's close to half a million dollars last year alone. Chase is glad to keep me as customer. Yes, I did buy some, but very few GCs.
My office buzzes to the JewishMusicStream!!!

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Re: Kol Koreh against MS
« Reply #415 on: July 10, 2014, 01:39:56 AM »
I spoke to R' Kahan.
He said the intention of the KK isn't for the Rabonim to specify specific methods but the intention is that people shouldn't do shtick that companies wouldn't agree to let you do and can cause a chillul hashem or mileage clawback down the line.  The application farms are something companies wouldn't allow, therefore people shouldn't do it.

So if Chase would allow you to buy GCs and Evolve then, then go right ahead and enjoy the miles, no problem.
But if it's something that they would say you can't do then it's something the rabonim intended in the KK.

He said the bolded language of "All MS" was too strong. If it's something the bank says you can do, then it's permissible.
Where would pggm fall in with this? I doubt amex will allow it if you were to call. Or it could be they would once they give you the money they may say keep it. But that doesn't solve the issue of knowing it would happen before hand. Or since its a computer mistake then it's different? Also could one assume that amex knows about pggm yet ignores it? If that were the case I'm sure that would change things.

Offline shidduch

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Re: Kol Koreh against MS
« Reply #416 on: July 10, 2014, 10:20:00 AM »
Typical one sided internet arguing. You knew there is a tzad that would go against your whole argument, but you wanted to prove a point so you only argued the side you like.
I actually had not thought about the fact that it could be different because its a computer.  I will look into this and report back.

Offline churnbabychurn

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Re: Kol Koreh against MS
« Reply #417 on: July 10, 2014, 10:25:33 AM »
I actually had not thought about the fact that it could be different because its a computer.  I will look into this and report back.
Don't forget to investigate whether corporations have halachic personhood while you are at it.

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Re: Kol Koreh against MS
« Reply #418 on: July 10, 2014, 10:30:19 AM »
Recent Supreme court ruling seems that corporations (with a limited ownership) can have religious convictions.
Not sure what the halachic ramafacations of the Hobby Lobby ruling is.
^^^

Offline Redbull3

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Re: Kol Koreh against MS
« Reply #419 on: July 10, 2014, 11:16:46 AM »
Hate to break it to you, but people actually have two souls. One of them is evil.

It's also not so easy to be objective when you already decided the psak you want.

Again, I'm not suggesting that it's ossur. Just wondering if people objectivity explain both sides.

I'm actually totally with you.