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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 93936 times)

Offline Dan

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Re: Kol Koreh against MS
« Reply #320 on: July 09, 2014, 02:41:30 PM »
And the number 2 Google Result shows that only bad processors do that, http://www.cardfellow.com/blog/credit-card-refund-fees/
You better believe an airline processing billions and with tons of refunds has a darn good processor policy.

I've given out plenty of refunds from several different processors and have always gotten back the % fees. Some keep the 30 cent transaction fees while others don't.  The big merchants often don't have any per transaction fee.
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.

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Re: Kol Koreh against MS
« Reply #321 on: July 09, 2014, 02:43:46 PM »
didnt i warn you

Offline YOSEF

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Re: Kol Koreh against MS
« Reply #322 on: July 09, 2014, 02:44:15 PM »
And the number 2 Google Result shows that only bad processors do that, http://www.cardfellow.com/blog/credit-card-refund-fees/
You better believe an airline processing billions and with tons of refunds has a darn good processor policy.

I've given out plenty of refunds from several different processors and have always gotten back the % fees. Some keep the 30 cent transaction fees while others don't.  The big merchants often don't have any per transaction fee.
1. Thats a different story.
2. $0.30 is still money.
3. Someone mentioned to me that if its cancelled within the free period, it hasn't been processed yet.

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Re: Kol Koreh against MS
« Reply #323 on: July 09, 2014, 02:47:03 PM »
Huh? Someone said DL loses processing fees. So he responded that they  don't.
and I'm questioning the assumption that whether or not they lose money is relevant to our conversation.
That is not our concern. I have no obligation to be sure everyone gains off every transaction I make.
It is either Geneiva or it is not
You missed the boat. He's differentiating rebates from other MS.

And then you post how you bought gc's  ::)
No he is just talking about how wonderful staples is.
a little off topic but I wouldn't call that "missing a boat"
and if his 300K was GCs then it is also relevant that he shops there and they don't profit off him
"Life, Liberty and the Pursuit of Free Stuff!" 8)

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Re: Kol Koreh against MS
« Reply #324 on: July 09, 2014, 02:47:26 PM »
So do we have a clear consensus  from Reb Phmuel that PGGM and Barclay arrivals refundable are wrong to do .

Should I go and get more things we do ,clearly stated its wrong , or maybe we stop discussing it while we are ahead

Offline Dan

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Re: Kol Koreh against MS
« Reply #325 on: July 09, 2014, 02:47:32 PM »
1. Thats a different story.
2. $0.30 is still money.
3. Someone mentioned to me that if its cancelled within the free period, it hasn't been processed yet.
2. Large volume merchants don't pay that.
3. Correct, if the charge isn't settled yet (typically businesses settle once a day) then there wouldn't be even a 30 cent fee.
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.

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Re: Kol Koreh against MS
« Reply #326 on: July 09, 2014, 02:48:07 PM »
didnt i warn you
wasnt arguing , just asking

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Re: Kol Koreh against MS
« Reply #327 on: July 09, 2014, 02:49:20 PM »
2. Large volume merchants don't pay that.
3. Correct, if the charge isn't settled yet (typically businesses settle once a day) then there wouldn't be even a 30 cent fee.
Totally off topic but I just realized I have been paying $.30 on every refund I issue.
 :o :o :o :o >:( >:( >:( >:( >:(
( even 30 seconds later)
"Life, Liberty and the Pursuit of Free Stuff!" 8)

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Re: Kol Koreh against MS
« Reply #328 on: July 09, 2014, 02:51:50 PM »

or maybe we stop discussing it while we are ahead
No, we're trying to get clarification if you don't likely don't participate.

Offline yaakov s

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Re: Kol Koreh against MS
« Reply #329 on: July 09, 2014, 02:55:04 PM »
No, we're trying to get clarification if you don't likely don't participate.
Are you willing to go with me to a Choshen Mishpat poisek ,clearly put the facts on the table (not snippets of facts )and accept his psak . Or will we attempt to discredit anyone who doesn't play our games like we did with Rabbi Marburger

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Re: Kol Koreh against MS
« Reply #330 on: July 09, 2014, 02:55:49 PM »
You missed the boat. He's differentiating rebates from other MS.

And then you post how you bought gc's  ::)
Who missed the boat? I wrote that about rebates not GCs...
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Re: Kol Koreh against MS
« Reply #331 on: July 09, 2014, 03:12:13 PM »
Shidduch didn't just state an opinion on the matter. He stated that there would be no mattir. Dan then quoted someone bringing a matir.

But I also quoted the logic behind the issur.  Dan, quoted someone who just said a rav was matir but with no explanation as to how it is mutar.  Perhaps dan should present it to Rav shmuel?

Offline Dan

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Re: Kol Koreh against MS
« Reply #332 on: July 09, 2014, 03:18:51 PM »
But I also quoted the logic behind the issur.  Dan, quoted someone who just said a rav was matir but with no explanation as to how it is mutar.  Perhaps dan should present it to Rav shmuel?
Rav Shmuel didn't say refundables is assur. He said not yoshur.
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Offline Dan

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Re: Kol Koreh against MS
« Reply #333 on: July 09, 2014, 03:19:26 PM »
Totally off topic but I just realized I have been paying $.30 on every refund I issue.
 :o :o :o :o >:( >:( >:( >:( >:(
( even 30 seconds later)
What processor?
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.

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Re: Kol Koreh against MS
« Reply #334 on: July 09, 2014, 03:23:40 PM »
"Life, Liberty and the Pursuit of Free Stuff!" 8)

Offline Dan

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Re: Kol Koreh against MS
« Reply #335 on: July 09, 2014, 03:26:59 PM »
Paypal  ::)
There is no daily settling with Paypal.
With real processing (like Costco) there's a daily settlement that occurs.
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Re: Kol Koreh against MS
« Reply #336 on: July 09, 2014, 03:27:08 PM »

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Re: Kol Koreh against MS
« Reply #337 on: July 09, 2014, 03:44:49 PM »
The credit card company charges $450/year knowing that they can writeoff $200 of that while still making a handsome profit. It makes no difference to their finances whether or not you actually sit in that E+ seat.

Regardless I'm not a posek, so go ahead and ask your own.

It makes no difference to your friend Uncle Mikes if I steal some Fries at 11:30 PM which he'll throw out anyways. Nonetheless if I take them against his will, it's clear geneiva and may get me arrested. Sounds like the guy who sneaks on to the bus without paying and says I would've walked anyways and if they run out of seats, I'll go off.

Don't need a Posek for that. It's one of the Noahide laws Dan!

Offline Dan

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Re: Kol Koreh against MS
« Reply #338 on: July 09, 2014, 03:50:12 PM »
Except that you've paid $450 in this case.
Feel free to ask your posek, but don't say that there is no posek in the world that wouldn't be matir because that's false.
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Offline shidduch

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Re: Kol Koreh against MS
« Reply #339 on: July 09, 2014, 03:56:48 PM »
It still doesnt answer the questions as to whether its geneivas daas to buy something with the intention of returning it.  I would say most if not all poskim would say its geneivas daas.  Geneivas daas is not an issue of yashrus.  its assur.  Regardless of whether there is a loss to the person or not.

Please see this link in regards to the issue of geneivas daas

BTW even if you say its muttar in regards to Amex, there is still the issue in regards to Delta.

http://www.aishdas.org/avodah/vol16/v16n089.shtml