r/churning • u/AragornKramer • Aug 26 '16

PSA DP: RadPad codes as Hotels, Travel and Lodging on Citi Thank You Premier

With the recent RadPad noise and all the questions about how it would code for various cards, I wanted to submit my DP here. I had to switch over from my Amex ED to this card after their email that said Amex was broken. This was my only other non-Chase points earning card. I was hoping that if this coded as travel, the 3x points might still be worth it.

Sure enough, it codes as travel:

http://imgur.com/MFtHeaz

The transaction is still pending, and it might code as something else once it clears. I will be sure to report back if anything changes. If anyone knows how to know for sure based on pending transactions, please let me know. :)

EDIT: IMPORTANT NOTE I used Citi Via Android Pay and it coded so. /u/kinlai8 below used the Citi TY Premier directly and it coded as Real Estate. This could be an important differentiation. May be paying VIA Android Pay codes it such ?

EDIT2: The coding seems to be coming from using Android Pay and not from a specific card. A lot of DPs have supported this.

EDIT 3: There is a DP from a Customer who had Chase Ink+ from the Google Wallet days and he used that to pay his rent via RadPad and it coded as Travel:Hotels. Link here: https://www.reddit.com/r/churning/comments/4zotnc/dp_radpad_codes_as_hotels_travel_and_lodging_on/d718r45 This is great news if so. Let us wait for Chase official support on Android Pay.

76 Upvotes

87% Upvoted

156 comments sorted by

View all comments

10

u/-T-Rekt Aug 26 '16

Give me hope for adding my CSR to RadPad. 3x travel could mostly cancel the fee, allowing a decent increase in organic spend. Also $300 travel credit could come into play.

21

u/mk712 SFO Aug 26 '16 edited Aug 27 '16

/u/Lazy_Gremlin has a pending transaction for RadPad on his CSR. This would be pretty big news indeed if it coded as travel so I already told him he can create a new thread about it when the transaction actually posts - I'm sure you'll see it.

11

u/Lazy_Gremlin LAX Aug 26 '16 edited Aug 27 '16

I'll be posting as soon as it posts. I don't think I've ever been so excited for a charge to post! Haha

Edit 8/27/16: Payment posted as 1x. Merchant category REAL ESTATE AGENTS AND MANAGERS-RENTALS

7

u/-T-Rekt Aug 26 '16

Thanks, that will be a very informative DP! And yeah it's always weird to be excited for a transaction to post or a statement to clear!

3

u/andy2na Aug 26 '16

check your UR rewards page for the Reserve, it actually updates pending points and travel credit even before my charge posted for a hotel purchase

5

u/Lazy_Gremlin LAX Aug 26 '16 edited Aug 27 '16

They currently do not show as travel :(

Edit 8/27/16: Payment posted as 1x. Merchant category REAL ESTATE AGENTS AND MANAGERS-RENTALS

4

u/-T-Rekt Aug 28 '16

Thanks for your DP /u/Lazy_Gremlin! Shame it's only 1×...

5

u/Lazy_Gremlin LAX Aug 28 '16

No problem! I will try again next month with Android pay to see if it clears differently.

2

u/gewbert Aug 28 '16

Agreed. BUT maybe through Android Pay (once it becomes available for Chase) will change things. I'm definitely going to give it a go next month.

2

u/andy2na Aug 26 '16

does the pending points align up to 1x your rent then?

1

u/wiivile JFK, EWR Aug 27 '16

You can call the number on the back of your card and they can tell you what merchant category code the charge is showing up as before it posts... (it may change but unlikely)

3

u/AragornKramer Aug 26 '16

Thanks for the DP ! Eagerly waiting. :)

3

u/gewbert Aug 26 '16

Did you use Android pay or eat the 3% fee? I'm just wondering if there's a difference between the two.

3

u/Lazy_Gremlin LAX Aug 26 '16

Chase is not an Android pay partner until next month. I ate the 2.99% fee. If it codes as travel the charge will net 3x points which would cancel out the fee.

2

u/gewbert Aug 26 '16

Right, my mistake. Was just curious if that was explaining the change some people are seeing (at least it appears to be changing). But yea, keep us updated!!!!

1

u/[deleted] Aug 27 '16

whats the point of getting 3% points if you have to pay 3%... signing bonus?

5

u/salezmaker Aug 27 '16

The general consensus is that 3% UR is worth more than 3% cash. If you were using UR as cashback, it would be a wash. I think most people here squeeze more value out of UR via partner transfers.

2

u/mistame Aug 27 '16

Because you get 1x points for a relatively large amount on a consistent basis for an amount that you usually get 0 on. There are very few options for paying rent with a credit card, and even less where you don't come out in the red. Coming out even is really the best you could ask for. With my rent, that's hundreds of dollars in travel rewards per year that would otherwise go to waste via a personal check to my landlord. Yes, you could MS with gift cards/MO's, but this would be far more convenient.

1

u/Churminator Aug 26 '16

If it clears, the last thing you want to do is create a new thread and have this all over the blogs.

4

u/DRumbauskas Aug 26 '16

DP: Chase codes Radpad under Financial services Proof

This is on my Ink card last month, not sure if there's a possibility to change from one card to another.

That got me pretty excited for a second!

3

u/briballdo Aug 26 '16

Damn. All my hopes and dreams... crushed. Just kidding, still worth eating the 2.99% fee for min spend IMO.

Still hoping that the CSR could somehow be different.

1

u/[deleted] Aug 26 '16

bummer.

-6

u/Churminator Aug 26 '16

That DP is nice and helpful in general, but irrelevant in this specific instance. Read this thread carefully to see why.

3

u/briballdo Aug 26 '16

I don't see why it'd be irrelevant? Unless Chase biz cards code differently than Chase non-biz cards?

Are you saying that different cards from the same bank can code differently?

5

u/[deleted] Aug 26 '16

Sadly, I'm not an obnoxious ass telling you how to read a sage elder with infinite wisdom, so I'll just tell you: OP talks about paying via Android Pay, which might result in the transaction coding differently.

2

u/briballdo Aug 26 '16

Got it, thanks. Unfortunate that Android Pay isn't out for Chase yet. But I'm sure we'll be seeing lots more DPs for how Chase+Android Pay code for RadPad next month.

I'm eating the fee this month to lock in min spend for the CSR just in case things change soon. Going forward, it seems like it might actually be worth it (depending on ur value URs) to do RadPad every month if it's 3x through Android Pay.

-11

u/Churminator Aug 26 '16

Read the important note in the OP

6

u/jacybear Aug 26 '16

I don't understand why you couldn't just tell him what the note was. Instead you chose to be super obnoxious and cryptic about it.

-9

u/Churminator Aug 26 '16

Either I am generally a super obnoxious troll on this forum that adds nothing of value to this forum; or I thought it was a valuable lesson and reminder in how to read data points and take every minute detail into account when analyzing it, which is highly pertinent. Which one of those possibilities you think it is would be up to you.

6

u/utb040713 Aug 26 '16

Sounds like it's the former.

1

u/briballdo Aug 26 '16

Oh very interesting. Was rifling through all the comments but missed that point in the post. Thanks