Egg Money 1% and refunds

debtfreelondon

Thought I'd ask here before ringing up Egg.

I've had a refund onto my Egg card for a purchase that wasn't originally made on the card.

The refund has had the effect of cancelling cashback on £500 of expenditure in August (only £5 but better in my pocket).

Bearing in mind that the expenditure for the refund wasn't made on this card is it feasible for me to ask for the cashback to be given? Should it not be treated as a payment to the card and not a refund for items bought?

Voyager2002

debtfreelondon wrote:

Thought I'd ask here before ringing up Egg.

I've had a refund onto my Egg card for a purchase that wasn't originally made on the card.

The refund has had the effect of cancelling cashback on £500 of expenditure in August (only £5 but better in my pocket).

Bearing in mind that the expenditure for the refund wasn't made on this card is it feasible for me to ask for the cashback to be given? Should it not be treated as a payment to the card and not a refund for items bought?

What a strange enquiry: there is no cashback on Egg card (only Egg money), and refunds should only be made to the card originally used.

Of course, if you are talking about an Egg Money card then the refund should be treated as a credit to your account, and so should not cancel the cashback.

Milarky

I'd tend to agree - but you could say this was unintended - or you were offered an option by the retailer - or you did not understand fully. 'Fraud' implies intention to obtain advantage - can't see what the advantage or gain would be here?

In fact sometimes if you refund to the original card between the statement and payment due date it counts as a 'payment' rather than as a refund - it does in the case of Egg Money as I've had a legimate refund do just that - adding another month of interest-free days. So a small fringe benefit there.

Egg would treat the 'payment' as a refund and cancel 1% of cashback usually because of the route it took - staight off a merchant's own account. They would be paying the merchant a rebate too no-doubt - putting them at fault rather than the customer.

charlie12

I have noticed the same behaviour with Egg Money. I once had a refund (from a purchase made on a different card) credited to my Egg Money card because the original payment card could not be swiped for some reason.

Their system does appear to "cancel" any cashback on non-refunded purchases by 1% of the refund amount. I wonder what happens if the amount in refunds exceeds the amount of purchases in any given month, perhaps the "negative" cashback is carried over to the next month?

The amount of cashback lost was tiny in my case so I didn't bother following it up.