Train ticket retailer charged my transaction under the MCC code of taxi / limousine

TheBanker

miklcct said:

TheBanker said:

miklcct said:

TheSpectator said:

Slightly off tangent but why do people use 3rd parties instead of booking direct, you would have probably got your cashback that way.

The only reason for me to use Uber is because it offers 5% credit for train bookings, which can then be used for future train bookings / takeaways / etc.

It is well known that Uber's train ticketing is defective, can't sell a lot of things, and has extremely poor booking experience and customer service. However, 5% cashback is enough for me to use a poor retailer as the product obtained is identical.

If you have a credit or debit card that gives cashback at particular retailers (e.g. the Natwest Reward Account or the Virgin Money account), they often have 5% cashback promotions for LNER but you get the Cashback regardless of which train company you're travelling with. 

It's not really a surprise that Uber are using the same (taxi) MCC for the additional services they offer. Probably don't want the cost or hassle of setting up a different set of accounts. 

I don't have these cards and I am not going to apply for any new credit cards soon, as I plan to buy a home in the coming months so I don't want to harm my credit rating.

That's fair enough but maybe the information will be of use to someone else.

adrich

miklcct said:

TheSpectator said:

Slightly off tangent but why do people use 3rd parties instead of booking direct, you would have probably got your cashback that way.

The only reason for me to use Uber is because it offers 5% credit for train bookings, which can then be used for future train bookings / takeaways / etc.

It is well known that Uber's train ticketing is defective, can't sell a lot of things, and has extremely poor booking experience and customer service. However, 5% cashback is enough for me to use a poor retailer as the product obtained is identical.

I totally get your point, Uber’s 5% credit makes it tempting despite the clunky experience. I’ve had issues too, especially with delays in ticket confirmation. But I still prefer booking directly through Transport for Wales. There is no booking fee, and their app feels more reliable, especially for regional services and support when things go wrong.

crumpet_man

Zilch card pay 2% cashback/rewards for Uber and Uber eats.  Worth considering for future purchases.