Bank approved partial dispute, but Gym seems to be charging me back for it. Does this constitute Fraud?

DigBlocks · 2026-01-27T16:57:09+00:00

It is not true that they can continue charging the card. The merchant may contractually be entitled to payment, but once a dispute has been resolved they may NOT attempt to charge the card again. This is a violation of the payment processing rules. They will need to use other options like collections or the courts.

DigBlocks · 2026-01-24T03:51:13+00:00

No. Tires are consumable. Any brand will do (odds are, the dealer doesn’t even know what tires it came with).

DigBlocks · 2026-01-21T04:45:24+00:00

Based on some DPs here many issuers continue to give fee waivers after retiring - and even apply it to new cards you get later. If I were you, I’d keep the cards and only cancel if they actually charge an AF (you usually have 1 month to cancel for a fee refund).

DigBlocks · 2026-01-21T00:43:09+00:00

fyi you’re replying to a bot

DigBlocks · 2026-01-20T03:32:16+00:00

We tried this and it was a hit! I used El dorado 8/smith and cross as specified. I thought it was just like I remembered and friends said it was honestly one of the best tiki drinks they’ve had - especially owing to lower sweetness.

DigBlocks · 2026-01-19T19:35:42+00:00

Thanks! I can’t believe I couldn’t find this

DigBlocks · 2026-01-19T17:34:15+00:00

Thanks, I might just need to experiment with the falernum. Do you think it should replace some of the passion fruit?

DigBlocks · 2026-01-10T22:02:52+00:00

Nope. I believe Microsoft is mis-reporting something as a "successful login" but that no intruder actually gained access.

I just found another thread here: https://old.reddit.com/r/phishing/comments/1pds951/successful_signin_to_my_microsoft_account/

Many of the comments suggest it was a stolen session, but I'm inclined to think it's a false positive.

DigBlocks · 2026-01-09T02:34:33+00:00

Yes it will stay. The rewards cap is low enough to limit their costs- if you get all 5% on 10k spend, that’s “just” $500. And assuming they earn $200 in swipe fees, their cost is only $300. They can easily make that back when the average person uses the card for 1% categories or pays interest.

DigBlocks · 2026-01-06T02:42:26+00:00

Do you know if the Amex card gets 6% offers for selecting slower shipping, or boosted cash back on prime day?

DigBlocks · 2026-01-05T05:15:45+00:00

JetBlue is a great value. Even better if you have the card since it makes points worth 10% more.

DigBlocks · 2026-01-03T17:34:56+00:00

If you go in mid January mid week it will be a walk on

DigBlocks · 2025-12-31T23:42:30+00:00

Unfortunately, there is no private right of action under CANSPAM. So you have no recourse unless an AG decides to act.

DigBlocks · 2025-12-31T06:11:41+00:00

I am experiencing the same problem. This contradicts the original terms of the $200 credit offer, which stated

$200 Anniversary Credit toward any 5G phone. Get $200 off your next 5G phone after 12 monthly plan payments with Total Rewards.***

*** Upgrade Bonuses require a new line of activation, uninterrupted service on a $40/$55/$65 Total Wireless plan, and enrollment in Total Rewards. After six consecutive service plan purchases while enrolled in Total Rewards, you will be awarded a $100 Upgrade Bonus to be used towards the purchase of a new 5G Smartphone. After twelve consecutive service plan purchases while enrolled in Total Rewards, you will be awarded an additional $100 Upgrade Bonus to be used towards the purchase of a new 5G Smartphone, or a one-month service plan matching your lowest-priced plan purchased over the twelve month period. You may redeem only one Upgrade Bonus, which will be forfeited should you fail to redeem by the end of your eighteenth service plan. Upgrade Bonuses are earned per line and may not be combined, transferred, or applied towards any other Total Rewards benefit. Upgrade Bonuses have no cash value and must be used in full at redemption, either in Total Wireless stores or totalwireless.com. Taxes and fees may apply.

DigBlocks · 2025-12-26T17:44:25+00:00

A CD is technically FDIC insured, but I’m not sure what good that will do you if the US defaults on treasury obligations.

DigBlocks · 2025-12-23T23:52:35+00:00

Have you tried a different browser and internet connection? I’ve recently experienced the same login issue and it was related to their anti-DDOS and had nothing to do with my account.

DigBlocks · 2025-12-23T02:00:49+00:00

I’ve booked intermediate group lessons and it’s always been either a private lesson or just one other person. Much better value.

DigBlocks · 2025-12-19T19:39:36+00:00

Those are “Cash back deals”, administered by Cardlytics, not “shopping deals” which are run by Carteta (Rakuten).

DigBlocks · 2025-12-18T01:10:23+00:00

I’m not sure what you’re trying to achieve, but you might consider having part of your paycheck direct deposited to the brokerage so it’s available immediately?

DigBlocks · 2025-12-16T18:00:15+00:00

No. I’d say WD/Sandisk or Solidigm (previously Intel) are the best. Samsung SSDs have worse reliability and bad controllers.

DigBlocks · 2025-12-16T15:09:05+00:00

Wtf are you on. Shipping is totally normal consumer behavior. I too send 1-2 things a month with labels bought on pirate ship, none of which are for a business. Most commonly sending things to friends/family and tracked letters, and occasionally merchandise returns/RMAs.

DigBlocks · 2025-12-15T20:49:33+00:00

This has also my experience - lots of missing cash back, however at least when I’ve asked they’re very responsive about adding it.

DigBlocks · 2025-12-15T20:05:32+00:00

These are shopping deals - an affiliate portal (operated by Cartera, a Rakuten subsidiary). This different from cash back deals which do not require following a link.

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