Episode 41: BofA PRE Headaches, Amex Rebound & GC Discounts

fearthez

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

SpotifyApple PodcastsOvercastPocket CastYoutube PodcastsAmazon MusicListennotes

If you want, support me on patreon!

Referral page: https://invt.co/u/sytvBFfbj

Intro music can be found here!

  • Kung Fewer & Kleed SO kleed tier! Welcome FlashStash & Matt!
  • [Lightning Deal] $100 Uber GC for $80 at Costco
  • [Lightning Deal\Some Expired] Discount on GCs @ Amazon
  • Bank of America Premium Rewards Elite Lifestyle Credit saga (reddit comment)
    • Over two hours of phone tree where noone knows case numbers, don’t know what Lifestyle credit is. Family found competent agents. Asked for direct number to “rewards team” and was told they are internal only and only communicate via claims and respond via mail
    • HBO Max Subscription
      • 06/30/2023 HELP.MAX.COM MAX.COM $149.99
      • Transaction did not trigger Lifestyle credit. Called to get manually applied
      • In BofA Merchant description: DIGITAL GOODS – MEDIA, BOOKS, MOVIES, MUSIC
      • In Visa Merchant Data Manual: 5815 Digital Goods Media – Books, Movies, Digital artwork/images, Music
      • In BofA PRE T&S for Lifestyle Credit (page 31): Eligible rideshare, food delivery, video streaming service and fitness transactions that qualify for the Lifestyle Statement Credit must appear under one of the following MCCs and contain the designated identifier: 4899, 5399, 5411, 5422, 5499, 5691, 5734, 5815, 5816, 5817, 5818, 5921, 5940, 5964, 5968, 5969, 5999, 7032, 7299, 7372, 7841, 7997, and 7999. 
      • 08/18/2023 Elite Lifestyle Credit Thank You 00 -$149.99
      • DP on DoC
    • Sportsline Streaming Service
      • 03/11/2024 SPORTSLINE 888-508-3055 CA $29.99
      • Transaction did not trigger Lifestyle credit. Called to get manually applied
      • In BofA Merchant description: Merchant description: DIRECT MARKETING/MARKETERS – NOT ELSEWHERE CL
      • In Visa Merchant Data Manual: 5969 Direct Marketing – Other Direct Marketers (Not Elsewhere Classified)
      • In BofA PRE T&S for Lifestyle Credit (page 31): Eligible rideshare, food delivery, video streaming service and fitness transactions that qualify for the Lifestyle Statement Credit must appear under one of the following MCCs and contain the designated identifier: 4899, 5399, 5411, 5422, 5499, 5691, 5734, 5815, 5816, 5817, 5818, 5921, 5940, 5964, 5968, 5969, 5999, 7032, 7299, 7372, 7841, 7997, and 7999
      • Claim answer in mail on 4/9/2024 telling me to call. Agent said it did not qualify. Asked to resubmit as it did qualify and gave above details
      • Claim answer in mail on 5/29/2024 telling me to call. Again said did not qualify. Agent said I got “lifestyle rewards points”, did not understand lifestyle credit as statement credit
    • Rideshare Purchases
      • 04/29/2024 UBR* PENDING.UBER.COM LONDON $105.49
      • 05/03/2024 BOLT.EU/O/2405011513 Tallinn $17.94
      • 05/06/2024 BOLT.EU/O/2405042111 Tallinn $20.11
      • For all of the above, In BofA Merchant description: TAXICABS AND LIMOUSINES
      • In Visa Merchant Data Manual: 4121 Taxicabs and Limousines
      • In BofA PRE T&S for Lifestyle Credit (page 31), does not list 4121
      • Asked to submit request anyway to get direct communication on why this MCC is not included
    • MCC to description table (since BofA does not show MCC)
      • Description of credit from terms: Qualifying transactions are those purchases made through select rideshare, food delivery, video streaming service and fitness merchants as determined by us
      • My mappings document
        • Nothing for rideshare???
        • From the terms: You are eligible for a statement credit of up to $150 each calendar year if you make qualifying rideshare,food delivery, video streaming service and fitness transactions at select merchants
    • 6/20/2024 renewed
    • Purchased $100 Uber GC based on reddit comments
    • Incidental airline credit DP for two $100 same day
      • $28.50 left over
  • eBay to stop accepting Amex
  • Discover 5% Walmart & Grocery Stores. Interesting it includes Walmart bonus considering the recent developments between Capital One and Walmart and the in-progress buyout of Discover by Capital One (HT ahylianhuman)
  • Wells Fargo launches Attune card
  • Synapse Evolve
  • Curve shutting down this month per former Curve employee. Global CFO gave two week notice 5/15/24
  • Accidental double withdrawal with KeyPoint (DoC)
    • Charged $29 fee, called and refunded after I returned the funds
  • Discover cash back debit 8000 SB
  • CSP End Date
  • Platinum United Travel Bank posted
    • 6/07/2024 two $100 United Travel Bank loads
    • 6/10/2024 two $100 AMEX Airline Fee Reimbursement credits
  • CapOne lounge JFK
  • Bye bye Bloom
  • Closed East Cambridge Savings Bank on 6/10/2024 via SM
    • DoC (not sure if it is the right one)
    • Can’t find DP comment…
  • meh.com shoutout

Leave a comment