topic Re: mbna Rewards World Elite Mastercard payment in Get Support

mbna Rewards World Elite Mastercard payment

Helen_C — Wed, 17 Jan 2024 22:00:17 GMT

I use Mbna Rewards World Elite Mastercard pay my phone bill. it should have 5 time point rewards for any phone bill.

But my public mobile monthly payment only get 1 time point reward. they said the reason is public mobile catalog themselves as "phone device" code "4812"(MasterCard define the code catalog and merchant select from it). they should change their catalog as "phone service" 4814.

Any suggestion of this?

Thanks

Helen

Re: mbna Rewards World Elite Mastercard payment

hTideGnow — Wed, 17 Jan 2024 19:30:38 GMT

Sorry @Helen_C

for those rewards, you need a pre-authorized payment that is recurring

for some reason, PM's transaction does not count as that. It has something to do with pull or push transaction.

From what I know, PM's autopay is not true pre-authorized payment. PM just store the credit card number and send a transaction from its system every 30 days as a net new request. PM does not notified/setup with credit card ahead as a pre-authorized recurring payment like regular pre-authorized payment and hence does not count

Many asked that before and confirm PM's payment not eligible for rewards of those kind

Re: mbna Rewards World Elite Mastercard payment

Handy1 — Wed, 17 Jan 2024 19:33:56 GMT

@Helen_C Sorry PM is not considered pre authorized payments I think it has to do with PM being 30 days cycle and not monthly like a traditional pre authorized payments typically are . And so no rewards earned on using your credit card with PM like Koodo or Telus does which is monthly service same date every month

adding I wonder thou if one where to buy payment vouchers with credit card and load them each month *611 if you would then get the rewards in credit card for that purchase . Might be worth testing to find out

Re: mbna Rewards World Elite Mastercard payment

Helen_C — Wed, 17 Jan 2024 19:36:22 GMT

I already setup pre-authorized payment. I was told the reason is Public Mobile catalog themselves as "phone device" code "4812" in MasterCard System, which is not qualify for mbna Rewards World Elite Mastercard 5 times rewards. It should be "phone service", the code is "4814" in Mastercard System to qualify for 5 times rewards.

Re: mbna Rewards World Elite Mastercard payment

hTideGnow — Wed, 17 Jan 2024 19:40:13 GMT

HI @Helen_C

many asked that before and didn't get PM to change anything and make that works.

Since you know the exact reason why it is not qualify (about the code they used 4812 vs 4814), maybe Community manager @J_PM can help to escalate?

or maybe submit a ticket with CS agent and ask the to check with billing departement. please submit a ticket with CS Agent here:
https://productioncommunity.publicmobile.ca/t5/notes/composepage/note-to-user-id/22437

Re: mbna Rewards World Elite Mastercard payment

Helen_C — Wed, 17 Jan 2024 19:42:19 GMT

thank you, I will submit a case.

Re: mbna Rewards World Elite Mastercard payment

hTideGnow — Wed, 17 Jan 2024 19:43:28 GMT

HI @Helen_C

please come back and let us know. If you make the difference, many will come back and thanks you a lot !!!

Re: mbna Rewards World Elite Mastercard payment

Helen_C — Wed, 17 Jan 2024 19:45:10 GMT

sure, I will.

Re: mbna Rewards World Elite Mastercard payment

Sansan — Wed, 17 Jan 2024 19:46:34 GMT

@Helen_C ,

I know exactly how you feel and I'm in your boat. I have my account for 5 years using the same credit card for the 5 years and each month I only get 1%, even though I'm supposed to get 2%. I called the bank and was told it's the way that Public Mobile has set up their merchant category code. And unless PM fix, I will continue to get only 1%.

I'm peeved about this, but was told the same things as indicated by others in this thread.

I don't agree or accept, but no choice. I'm still here, with the same credit years later. I guess it's still better than nothing as some credit cards or debit cards do not offer rewards on purchases.

I do hope this will get fixed one day though. 🤞

Re: mbna Rewards World Elite Mastercard payment

Handy1 — Wed, 17 Jan 2024 19:48:52 GMT

@Sansan So do you know if you bought payment vouchers with credit card would you get the rewards that way ?

Re: mbna Rewards World Elite Mastercard payment

Sansan — Wed, 17 Jan 2024 19:58:05 GMT

Not sure.

My cc is specific for certain purchases such as gas, groceries, reoccurring charges. This card in question gets the full 2% for those charges, koodo and fido been 2 of them. PM on same cc as reoccurring charge, only gets the 1%.

If I shop at Walmart, Ctire, McDonald's, etc, I only get 1% as it's not part of the above criteria.

If I buy the voucher at shell, or petro I assume that I would get the 2% because I'm buying from my category.

But that seems like too much work for me to buy and load, that's what I have the cc for and still feel it should be fixed to the correct category code as confirmed by @Helen_C .

Re: mbna Rewards World Elite Mastercard payment

hTideGnow — Wed, 17 Jan 2024 20:04:50 GMT

HI @Sansan

yes, your experience confirmed that PM's transactions are not considered as the reoccurring charges somehow.

Let's hope @Helen_C ticket can make the change

Re: mbna Rewards World Elite Mastercard payment

Handy1 — Wed, 17 Jan 2024 20:05:17 GMT

@Sansan I have Avion infinite and get points back to but not with PM . But if I was concerned enough about the points I think it’s a worth while work around if it actually works . Maybe I will try and test it because now I’m curious

Re: mbna Rewards World Elite Mastercard payment

Sansan — Wed, 17 Jan 2024 20:12:31 GMT

That's unfortunate. 5 years , same amount each month, and PM doesn't categorize as reoccurring. So once 3 ago when I called the bank they offered me $10 for the previous years to make up the 1% difference. I refused and was going to escalate. Never did.

Maybe this weekend I will call again. Hopefully they offer me $20 which I will accept now.🤭

Re: mbna Rewards World Elite Mastercard payment

Sansan — Wed, 17 Jan 2024 20:13:48 GMT

Maybe I'll try it but there's probably a minimum amount to buy. Never bought before or looked into it. 😞

Re: mbna Rewards World Elite Mastercard payment

DennyCrane — Wed, 17 Jan 2024 20:39:56 GMT

That card also gets 5% on food and grocery, so you can work around this by using your card to buy vouchers from 7-11.

Re: mbna Rewards World Elite Mastercard payment

wetcoaster — Wed, 17 Jan 2024 21:17:41 GMT

I can't say for sure since it's been several years now that I looked into credit card fees from the merchant side, but...

There is a possibility that Public Mobile would incur extra charges on their side when accepting these "recurring payments" from premium cards. And sticking to 30day cycle and "wrong" code might be their way around this? Not making excuses for them, but it might be a part-explanation.

The credit card issuer doesn't just give those points / cash back from the bottom of their pure heart, most of the time the merchant is made to pay for the customer's perks, at least partially. If a business were to toe a continued profit line, they would either need to pass those costs on to their customers, or not accept cards that cost more / find a way to avoid the premium fee.

Ever wondered why some micro business are not taking credit cards at all, or refuse to take Amex? It's because their merchant fees (last I checked, at / or upwards of 2.65% of the transaction amount) would be eating deep into their end-of-day-take-home amount.

Re: mbna Rewards World Elite Mastercard payment

Sansan — Wed, 17 Jan 2024 21:39:58 GMT

I fully agree with you. The merchants do sign a contract with both Visa and Mastcercard International with the fee % that they are to pay for accepting debit and credit cards.

The premium cards fees are more than the basic cards fees. If they agree to it, they should not be avoid or finding a loop hole as to why they are not honoring the perks that the cc offers. Another such avoidance instead of refusing the cc flat out is the charge $.25 if your purchase is under $5.00 or whatever their 'minimum' amounts are. This is actually illegal.

I've looked into it. But rather than argue and make a scene (I used to) lol at the store that practice this, I don't shop there anymore. I'm a credit card junkie. I use it strictly for the benefits and not because I have to.

I know it was announced sometime last year that the government approved allowing merchants to start charging customers a surcharge for using credit cards to offset their fees. I have not encountered that yet, but the day I do and the store that does that will no longer be seeing me there again.

I might be just 1 person and won't make a difference, but not me.

Re: mbna Rewards World Elite Mastercard payment

computergeek541 — Wed, 17 Jan 2024 22:15:54 GMT

@Helen_C wrote:
I use Mbna Rewards World Elite Mastercard pay my phone bill. it should have 5 time point rewards for any phone bill.
But my public mobile monthly payment only get 1 time point reward. they said the reason is public mobile catalog themselves as "phone device" code "4812"(MasterCard define the code catalog and merchant select from it). they should change their catalog as "phone service" 4814.

While it might seem advantageous to recieve a higher cash back or rewards point amount from MNBA, this money comes from somewhere and isn't entirely free in the sense that higher payment processing fees would eventually lead to higher plan prices from Public Mobile for everyone. For this reason, be careful what you wish for. It's may not be to any customer's advantage if Public Mobile were to classify these payments as recurring.

Re: mbna Rewards World Elite Mastercard payment

DennyCrane — Wed, 17 Jan 2024 22:23:54 GMT

Businesses don't get to pick their merchant category.

https://stripe.com/en-ca/guides/merchant-category-codes