Did I Misread Discover Miles Card’s Promotion?
A year ago, when I opened a Discover Miles card to use their 12-month 0% balance transfer, I thought I also get 12,000 bonus miles, except that that bonus never came.
As the promotion period is expiring, I called them last week to confirm the exact date that I will have to pay off the balance to avoid any financial charges and I was told it will be July 19th. Since in the past I had the experience of getting conflict information on the pay-off date with other cards (I remember I had once with Chase and another one with Bank of America), I thought it’d better call them again to get another person see if I get the same information.
Well, it seems that my doubt wasn’t wrong and I was told this morning that date I have to pay off the balance is not a month away but three days from now: June 19th. Fortunately, I already transferred the fund from my IGoBanking account to BoA account early this week, so I won’t face any shortfalls on June 19th.
When I asked about the 12,000 bonus miles, they told me that the promotion was actually getting 1,000 miles every month when I use the card, not an one-time bonus. I told them I had a screen shot of the page when I applied for the card:
Did I misread the offer? Maybe I did, but it indeed gives me the impression that I am getting both the headline promotion and all inside the fine print in a quick look.
Anyway, they asked me to mail back the screen shot so they can look at it. As for 0% balance transfer offers, here’s what I usually do when applying for a card with promotion:
- Always make a screen shot of the promotion page (I print the page in PDF files), so I have a proof of what exactly was offered at the time should there be any dispute later;
- Set a reminder at least one and a half months before the expiration date to remind me to give them a call;
- Call multiple times to confirm the exact pay off date if it’s a long term promotion (for example, 12-month) and I can remember it myself.
If I get different answers, I always use the earliest to avoid any trouble. Here’s a quick summary of the card’s main benefits:
- 12,000 Bonus Miles Earn 1,000 Miles each month you make a purchase for your 1st year
- 1 Mile per $1 on every purchase
- Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year
- No limit on the Miles you earn and Miles dont expire*
- Fly on any airline, book any hotel or car, with no blackout dates
- Use Miles for travel, merchandise, gift cards or cash
- 0% intro APR on purchases and balance transfers for 6 months then the regular APR
- No Annual Fee, No Overlimit Fee, No Redemption Fee
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