Tuesday, December 3, 2013

Manufactured Spending- Suntrust Delta Debit Card T&C Change: UPDATE


UPDATE (12/9/13):  My November miles posted fine, and it looks as though the language I discuss below has been around for some time for newer cardholders.  Points, Miles, and Martinis posted identical T&Cs back in July.  So, it appears that this is just a case of Suntrust getting everybody on the same page.

Okay, as promised, I went through the notice I received regarding the new T&Cs for the Suntrust Delta Debit Card, and I'm troubled by what I found.

When I applied for the card back in June 2012, the T&Cs read:

"Only PIN Point of Sale and signature-based purchases (including small dollar purchases that do not require a signature), Internet purchases, phone or mail order purchases or automatic bill payments qualify for mileage earnings.  Cash Advances, cash portion of a PIN POS sale with cash back, ATM transactions, payments for stored-value cards, wire transfers, money transfers, quasi cash, or travelers checks do not qualify."

The new language that I received yesterday is almost identical, but the Devil may be in the details.  Now the T&Cs read:

"Qualified Purchases: Only PIN Point of Sale and signature-based purchases (including small dollar purchases that do not require a signature), Internet purchases, phone or mail order purchases or automatic bill payments qualify for mileage earnings.  Cash Advances, cash portion of a PIN POS sale with cash back, ATM transactions, payments for stored-value cards, wire transfers, money transfers, money orders, cashier checks, quasi cash, travelers checks, purchase of monetary instruments or a PIN POS/signature transaction that contains either in whole or part of one or more of the previously excluded transactions types do not qualify."

The bolded language above reflects the new language in the T&Cs.  Notice anything significant there?  It's hard to say whether Suntrust will attempt to enforce these terms or, indeed, if it is even possible for them to do so, but I'd say that they are definitely aware of what is going on.  I guess we won't know for sure until next month when miles post under the new T&Cs.

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