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Amex Return Protection Arbitrage: Ethical Or Unethical?
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Date: January 8th, 2018 1:45 PM Author: fantasy-prone friendly grandma suppose you file an honest claim for amex return protection because a merchant refused to return your item.
the claim is approved, and amex refunds your money. but you get to keep the item because, as typical, amex doesn't ask for the item back.
then you pursue things further with the merchant and eventually get the item taken back.
so you've essentially gotten refunded twice for the same item. is this in any way unethical?
at the time of your amex return protection claim, your claim was honest. amex chose not to make you send back the item. so, they're letting you do whatever the fuck you want with it. they obviously don't care. why can't you try to return it again to the retailer? or sell it on ebay? or give it to a friend?
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Date: January 8th, 2018 3:18 PM Author: Sepia glittery spot alpha It's like the collateral source rule for credit cards. (http://www.autoadmit.com/thread.php?thread_id=3853211&forum_id=2#35110580) |
Date: January 8th, 2018 1:48 PM Author: Idiotic idea he suggested orchestra pit Hint: NOTHING you do is ethical. That's why it works. Because ethical people are not willing to do it and most people are more or less ethical. (http://www.autoadmit.com/thread.php?thread_id=3853211&forum_id=2#35109894) |
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Date: January 8th, 2018 1:51 PM Author: fantasy-prone friendly grandma goyim are too stupid to do this stuff (http://www.autoadmit.com/thread.php?thread_id=3853211&forum_id=2#35109925) |
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Date: January 8th, 2018 1:52 PM Author: Boyish Fuchsia Mediation what's stupid is boiling down ethics to stupidity (http://www.autoadmit.com/thread.php?thread_id=3853211&forum_id=2#35109939) |
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Date: January 8th, 2018 3:06 PM Author: fantasy-prone friendly grandma Ethics make no sense anymore when going up against GC (http://www.autoadmit.com/thread.php?thread_id=3853211&forum_id=2#35110487) |
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Date: January 8th, 2018 1:53 PM Author: Idiotic idea he suggested orchestra pit Nigs engage in financial fraud all the time.
Everythign you talk about is something any dumb can do.
The average 80 IQ nigs welfare fraud is more complicated than the dumb scams you come up with.
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Date: January 8th, 2018 4:11 PM Author: fantasy-prone friendly grandma where is the "fraud" in op? (http://www.autoadmit.com/thread.php?thread_id=3853211&forum_id=2#35110989) |
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Date: January 8th, 2018 4:20 PM Author: Idiotic idea he suggested orchestra pit I'm comparing what you do to fraud, not saying what you do is strictly fraud. (http://www.autoadmit.com/thread.php?thread_id=3853211&forum_id=2#35111049) |
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Date: January 8th, 2018 4:42 PM Author: racy crackhouse police squad Where you keep pursuing a refund from the vendor after you've been refunded by AmEx. (http://www.autoadmit.com/thread.php?thread_id=3853211&forum_id=2#35111184) |
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Date: January 8th, 2018 4:44 PM Author: fantasy-prone friendly grandma where is the fraud if it's a physical item, and gave the vendor the item back in exchange for surrendering the item?
is it fraud if you give the item to a friend or sell it on ebay? |
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Date: January 10th, 2018 9:28 PM Author: fantasy-prone friendly grandma (http://www.autoadmit.com/thread.php?thread_id=3853211&forum_id=2#35128712) |
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Date: January 10th, 2018 9:30 PM Author: Flatulent state weed whacker it's possibly theft, but likely not under these facts. you're inching closer to theft, though.
for example, if you go to a store and return an item from their shelves & they refund you for it, that's theft. |
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Date: January 10th, 2018 9:36 PM Author: fantasy-prone friendly grandma taking something off their shelves and returning it is obviously theft.
how is double dipping on an amex return protection and then later returning the item even inching anywhere near theft? |
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Date: January 10th, 2018 9:24 PM Author: cobalt frum sandwich keepsake machete (http://www.autoadmit.com/thread.php?thread_id=3853211&forum_id=2#35128692) |
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Date: January 8th, 2018 1:51 PM Author: dull naked menage This is what I imagine is discussed all day on the Sabbath in the dbg home (http://www.autoadmit.com/thread.php?thread_id=3853211&forum_id=2#35109929) |
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Date: January 8th, 2018 3:05 PM Author: fantasy-prone friendly grandma And every other Jewish home (http://www.autoadmit.com/thread.php?thread_id=3853211&forum_id=2#35110477) |
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Date: January 8th, 2018 1:52 PM Author: flushed yapping turdskin anyone who uses the term "arbitrage" outside of a legal document should be thrown in an African prison (http://www.autoadmit.com/thread.php?thread_id=3853211&forum_id=2#35109944) |
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Date: January 8th, 2018 3:15 PM Author: Appetizing coral cruise ship pistol This isn't even arbitrage, this faggot just likes using that word to add a veneer of sophistication to his low rent jew schemes. (http://www.autoadmit.com/thread.php?thread_id=3853211&forum_id=2#35110560) |
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Date: January 8th, 2018 4:04 PM Author: deep indian lodge gunner (http://www.autoadmit.com/thread.php?thread_id=3853211&forum_id=2#35110947) |
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Date: January 8th, 2018 4:06 PM Author: claret supple twinkling uncleanness clown (http://www.autoadmit.com/thread.php?thread_id=3853211&forum_id=2#35110962) |
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Date: January 8th, 2018 4:38 PM Author: Concupiscible dark legend library (http://www.autoadmit.com/thread.php?thread_id=3853211&forum_id=2#35111161) |
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Date: January 8th, 2018 3:10 PM Author: claret supple twinkling uncleanness clown Yes but if you return the item and get it refunded on your credit card who’s to say Amex doesn’t track that shit (thus you’re ruining a generous return protection policy for everyone and setting yourself for being cut off by Amex). I guess (((you))) could ask the return on a gift card. (http://www.autoadmit.com/thread.php?thread_id=3853211&forum_id=2#35110512) |
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Date: January 8th, 2018 3:13 PM Author: fantasy-prone friendly grandma Amex doesn't know if some retailer giving you a credit for x dollars is for the item they credited under return protection or some other item you bought. Credit card companies don't itemized receipts every time you buy or return something. This would be very time consuming for them to investigate. And there are annual limits on return protection anyway. (http://www.autoadmit.com/thread.php?thread_id=3853211&forum_id=2#35110543) |
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Date: January 8th, 2018 3:14 PM Author: Aromatic locale candlestick maker It's always who you think it is. (http://www.autoadmit.com/thread.php?thread_id=3853211&forum_id=2#35110550) |
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Date: January 8th, 2018 3:15 PM Author: Bisexual arrogant milk fanboi (http://www.autoadmit.com/thread.php?thread_id=3853211&forum_id=2#35110566) |
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Date: January 8th, 2018 3:26 PM Author: Sable trip brunch chad I am considering doing something like this. Bought item did not like. Retailer promised FREE RETURNS with prepaid shipping label included in box. Returned item. Less money was refunded to card than what I paid for it. I can only assume they discounted the cost of the shipping label from their "free return" but they will not respond to my emails asking for an explanation. The difference between price and refund also does not equal the initial shipping charge I paid so I am confused.
I am just going to chargeback the entire purchase and tell them to fuck themselves. Keep the refund and the chargebacked cost. |
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Date: January 8th, 2018 4:11 PM Author: fantasy-prone friendly grandma 180 (http://www.autoadmit.com/thread.php?thread_id=3853211&forum_id=2#35110987) |
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Date: January 10th, 2018 9:35 PM Author: Sable trip brunch chad Just an update: did this and Amex emailed me saying they approved and would post the $ to my account (http://www.autoadmit.com/thread.php?thread_id=3853211&forum_id=2#35128771) |
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Date: January 10th, 2018 9:24 PM Author: fantasy-prone friendly grandma (http://www.autoadmit.com/thread.php?thread_id=3853211&forum_id=2#35128685) |
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Date: January 10th, 2018 9:28 PM Author: Puce Cowardly Multi-billionaire DBG, do you ever cop price drop protection from the credit card AND the merchant? It's 180^180. (http://www.autoadmit.com/thread.php?thread_id=3853211&forum_id=2#35128713) |
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Date: January 10th, 2018 9:29 PM Author: fantasy-prone friendly grandma i hardly buy anything that i keep -- hard to cop price drop protection too often.
but still 180. does amex limit price drop protection? |
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Date: January 10th, 2018 9:32 PM Author: Puce Cowardly Multi-billionaire 1,000 per occurence; 50k per year (http://www.autoadmit.com/thread.php?thread_id=3853211&forum_id=2#35128751) |
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Date: January 10th, 2018 9:37 PM Author: fantasy-prone friendly grandma is that for PLT?
i dont have PLT... the return protection limits are only 1k/yr w my blue card :( i assume price drop protection is similar |
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Date: January 10th, 2018 9:38 PM Author: Puce Cowardly Multi-billionaire i think its for all of these cards:
https://www.americanexpress.com/us/credit-cards/features-benefits/policies/purchase-protection-terms.html |
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Date: January 10th, 2018 9:39 PM Author: fantasy-prone friendly grandma they all have the benefit, but i think the per occurrence / per year limits are MUCH better on plat than the other cards. havent looked into it recently tho (http://www.autoadmit.com/thread.php?thread_id=3853211&forum_id=2#35128806) |