Halifax Cashback Extras - Beware (and does this apply to Lloyds too?)

w0z

Speculator wrote: »

on mine it says "Earn 10% Cashback at Morrisons on all your purchases until 18/05/2014, maximum total reward £10. Don't miss our fantastic Pick of the Street deals available now at Market Street."

I've already used my halifax debit card several times this week and received cash back on each occasion.

I am aware some retailors are one time use like Play.com.

Thanks for that info, quite surprising that the offer varies like that.

w0z

innovate wrote: »

There is a very simple trick to avoid disappointment: don't suppose what the rules might be. You could, and you do, suppose wrong in this case. Instead, read the terms and conditions.

Thanks for the correction, that's why I used the word suppose, I wasn't sure. It says you get offers based on your spending etc. so if you have for example one solo and one joint account you might get the same offer in both? Are you saying it says that isn't/can't be the case?

In the case of the offers that aren't a one shot offer do they only work on one card/account even if you have a second account and card? I can't see where it says that in the T+C's, but then reading obviously isn't my strong point!

w0z

bossymoo wrote: »

I've had morrisons a few times as well, so chances are it will keep popping up for you. Cash back is a bonus, try not to feel too cheated!

Oops sorry if it came across as 'I feel cheated', it was more to warn others not to get caught by the same (stupid) assumption I made but only because I'm too stupid/lazy to read things properly!

crumpetman

Do you have to spend on the debit card first in order to receive cash back offers? I never use my debit cards for spending preferring instead to use cashback/reward credit cards.

innovate

w0z wrote: »

I can't see where it says that in the T+C's, but then reading obviously isn't my strong point!

Granted, it is in the FAQ, but that's really all there is to read about the Everyday Offers (apart from the terms that apply to each of the individual offers)

You can use a joint current account for Everyday Offers. When you log on to Internet Banking with your details you’ll only see your personal offers. Offers will match your spending and not that of the other account holder. Only the person who has accepted an offer will earn cashback. The cashback you’ve earned will be paid into the personal current account you’ve chosen, either your joint or your name only account.

http://www.lloydsbank.com/online-banking/benefits-online-banking/everyday-offers/faqs.asp

innovate

crumpetman wrote: »

Do you have to spend on the debit card first in order to receive cash back offers? I never use my debit cards for spending preferring instead to use cashback/reward credit cards.

Offers are matched to spending on your debit or credit cards so they’re tailored to the types of places you shop.

http://www.lloydsbank.com/online-banking/benefits-online-banking/everyday-offers/faqs.asp

anotheruser

When they have people like you giving them the answers, why would they bother to look?
If it's too much hassle, you can always not reply :P

Vortigern

innovate wrote: »

Granted, it is in the FAQ, but that's really all there is to read about the Everyday Offers

My 'problem' with Halifax Cashback is a little different and I can't see anything in the T&Cs that might help.

A & B have a Halifax Reward account (joint)
A shops at Morrisons regularly
C & D have power of attorney for this same account
All 4 have Visa debit cards.
Only C has online access to the account.
If C clicks on an offer, will the spend on A's card qualify for cashback?

I suspect that the answer is suck it and see, but I've not yet seen an offer for Morrisons - only BodyShop which A doesn't use.

Just curious, not bothered really.

Goldiegirl

I think if C clicks on the offer, it's only valid on spends on C's card.

Vortigern

Goldiegirl wrote: »

I think if C clicks on the offer, it's only valid on spends on C's card.

The terms suggest that that might be the case, but:

Why does C(me) see offers when he hasn't used his card?
C asked (in branch) for online access to the account, not to a card. At that time the cards for C & D had not been issued.

I would contend that the POA means that I represent A and when I log on, I am A effectively. To further complicate things, I have 2 powers of attorney, so perhaps I'm B as well.

I would also contend that all joint account holders should be treated equally and that the restrictive terms in the FAQ are unfair.