【道听途说】部分PayPal消费和Plastiq付款被AmEx系统认作是Small Business消费

今天在北美著名撸卡讨论版Reddit上出现了两个数据DP。非常抱歉到现在才写。我个人觉得Plastiq这个漏洞应该已经被AmEx补上。PayPal这个漏洞还以待时间检验是否真的成功。大概总结一下，通过Plastiq付款和通过PayPal付款都被AmEx系统默认为small business。大家都知道AmEx今年推出的2016运通小商家日活动中，推出了这样一个活动：从现在开始至2016年12月31日，运通旗下部分信用卡（包含个人卡和商业卡）在小商家消费，每消费一刀将获得额外1点积分或者返现。具体新闻我们以前已经写过了：《【“大”惊喜】2016运通小商家日（Small Business Day）活动玩出新花样！》，如果你还没有注册你的信用卡，记得去注册网页（请猛戳）注册。这个活动是要注册才能获得额外积分的。

【PayPal案例】

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I paid my weekly church contribution thru Paypal, and used my Amex card currently enrolled in their “Shop Small” promotion.
Apparently, it codes as “Small Business” – though, it charge detail shows a business in La Vista, NE (i’m in Missouri). Apparently La Vista is a Paypal hub or something. My church does not show up on the Small Business Map that Amex provides.
Anyway, depending on which card you’re using and what the rewards are, it might be worth it to pay stuff thru Paypal using your Amex card thru Dec 31st.
EDIT: I used a SimplyCash card, and the “bonus” got added to my Activity as a credit/adjustment. It said “2X Shop Small Offer”, and was equal to 1% of the charge. I also have a Hilton card enrolled, and have use that at other businesses (restaurants) that are listed on the Shop Small map (Shopsmallnow.com). There is no indication on the activity log for that card, since it doesn’t affect the balance (it’s hotel points, not cashback).

这名叫做doodler1977的网友通过PayPal用AmEx SimplyCash信用卡给教会捐钱，被认作了small buisness. 他推断运通会给额外积分。目前他并没有拿到额外积分。

如果你有新的DP，欢迎告诉我们。

【Plastiq案例】

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My Plastiq rent payment just posted on my Amex Business Plat card ($5050 rent + 114 fee – multiple roommates, its not that crazy) and the day after, I got my first 50k MR points (for spending 5k) AND I got 5,211 MR for “2X Shop Small Offer” and 2,525 for “1.5X” bonus on the charge over 5k. I know the numbers for the 2X dont add up, probably because of other natural spending that counted towards that.

这名叫做andy2na的网友用他的商业白金卡通过plastiq付了$5050房租和114手续费。一天以后，他得到了50k MR（商业白金的消费$5000送50k MR的促销活动）和5211 MR积分，类别是“2倍小商家“。

以下是图片（图片来源于Reddit网站）

【牧羊场总结】

• 目前尚且不知道AmEx到底是不是会给额外积分，因为根据条款：额外奖励将于活动结束以后10-12周打入积分或者返现账户。所以时间将会证明一切。同时，大家也不要为了撸而去撸。万一AmEx不给额外奖励积分，那么就等于被反撸，浪费了手续费。
• 请千万不要滥用这个促销。也不要去ms。AmEx有权利随时收回你的积分。AmEx是可以看得出你到底买了什么的。关于银行到底知不知道你买了什么，欢迎点击这个科普贴（请猛戳）。