Mostly Music Amex Deal

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  • #601190

    Macherish
    Member

    Anyone else do the mostly music amex $25 deal on Nov. 26th, and is not getting that deal??? Because charges werent put thru till the next day???

    #840256

    WIY
    Member

    Serves you and them right. You had an opportunity to freely give $25 ($50 or more depending on how many amex cards you have) to tzeddaka organizations who were mamish begging for the money. You should be ashamed.

    #840257

    ☕️coffee addict
    Participant

    Wiy,

    I asked a shayloh to a rav that is there anything wrong with spending it on urself when there are tzedaka organizations and he said no if you are still meitiv with it

    #840258

    Macherish
    Member

    WIY

    Mostly Music is not a tzeddaka organization last i checked…

    #840259

    WIY
    Member

    Coffee addict

    ” no if you are still meitiv with it”

    Not sure what that means please explain.

    Its my personal opinion Hashkafically, I think its very improper if one has $25 or more that he can give to Tzeddaka organizations (many who are literally strapped for cash) without having to go out of pocket to instead spend it on themselves.

    I also think it was wrong for mostly music and any other frum business to jump on this and try to lure people who may have otherwise used the money for Tzeddaka.

    Maybe mayikar hadin al pi halacha one has no obligation to give this money to tzeddaka (maybe besides for masser on it) but its the concept of what one should do not what one must do.

    #840260

    chaimss
    Participant

    Uh, pardon my ignorance, but what is this AMEX deal?

    #840261

    Macherish
    Member

    WIY

    We did give to tzedaka organizations thru this deal..and many times over without such deals! As far as mostly music goes, we were sent an email by them saying that if we register our Amex cards by a certain time (which we did), then for every card, we can spend $25 on their site, and get a $25 amex voucher. Well, lo and behold, they did not put the charges thru until the following day, so we were left with buying $75 worth of stuff without seeing any sort of vouchers. The tzedaka organizations did put the charges thru on the day they were done, so we were able to get those vouchers. We dont need the vouchers…it is just a matter of Yashrus..if you say that u you will do something, do it! Its also a matter of Genaivas Daas and probably also Genaivas Mammon as well.

    #840262

    ☕ DaasYochid ☕
    Participant

    WIY,

    I disagree with you. There’s no difference between this $25 and any other money one chooses to spend on extras. Unless one believes in never spending money on any luxury item in their life, there no reason why this specific promotion needs to be applied to tzedakah.

    #840263

    ☕ DaasYochid ☕
    Participant

    it is just a matter of Yashrus..if you say that u you will do something, do it!

    Agreed.

    Its also a matter of Genaivas Daas and probably also Genaivas Mammon as well.

    Probably not, since they likely intended to do it properly and just messed up (I’m assuming there was an issue; I personally didn’t use this program at Mostly Music).

    #840264

    Ctrl Alt Del
    Participant

    I absolutely did NOT participate in this even though my kids Yeshivah asked us to. It is unscrupulous and borders on stealing. the whole point of the program was to spur small business and the economy. Instead yeshivas and Tzedakas classed themselves as small businesses so that they would qualify when you “purchased” and item from them.

    Its clearly being done for the purposes stated above. NOT so tzedakahs can scam a few bucks out of the system. This was unacceptable in my eyes so I refused to participate. Last time I checked there is no requirement to lie to someone so you can get some free money to give to a tzedakah organization.Should I lie on my taxes so that I have more money for Tzedakah?

    #840265

    popa_bar_abba
    Participant

    It is unscrupulous and borders on stealing. the whole point of the program was to spur small business and the economy. Instead yeshivas and Tzedakas classed themselves as small businesses so that they would qualify when you “purchased” and item from them.

    I disagree.

    I think the point was to get people to use their American Express cards. And for people to think that American Express was a “good” company.

    Besides, it really doesn’t make a difference what the point was. They said we would get a statement balance if we swiped the card at a classified small business. We did so, and got the statement balance. We have no obligation to try to fit into their intentions.

    #840266

    cherrybim
    Participant

    I have five Amex cards and so does my wife. Credit cards enterprises do not lose money. When they offered this promotion, we used all the cards at our disposal to help our einacle’s yeshiva. No one is pulling the wool over Amex’ eyes. Most banks and large businesses support charity programs and other programs that endear them to the community. Sh’koach American Express.

    #840267

    ☕️coffee addict
    Participant

    Meitiv means do good to other people. The example was specifically by great kosher restaurants and he said if I take my wife out (I didn’t end up doing the promotion anyway because I forgot

    #840268

    seeallsides
    Participant

    Unfortunately, because we live in challenging times, everybody is trying to make the most money they can. Everybody here has a point, i think the tzedaka’s claim that they were ‘small businesses’ might not pass tough muster, i think their heavy come on advertising saying,”this is an opportunity to support a tzedaka at no cost to you was deceptive”, it was at a cost,it was money the consumer could have spent on themselves,so it was just like they would take 25$ out of their pockets. On the other hand, the tzedakas were trying their best to maximize a program, and they spent effort, creativity, publicity, etc, to try to fundraise in a way that is painless to the public, which, considering their challenges in fundraising is certainly commendable. May Hashem help everybody have all they need b’ravchus and may we not sit in judgment on anybody else.

    #840269

    coffee addict-

    I also forgot! And here I thought I was the only one who lost out on the promotion….

    #840270

    edisonJew
    Member

    For all those wondering how a Yeshiva could be alllowed to misclassify itself as a small business, I found the following on their website.

    What classifies a merchant as a small business?

    Small businesses are defined as independently owned and operated businesses located in the USA. Franchises, government agencies and large or national chain stores are not eligible.

    Technically, a yeshiva fits the bill so they are classified as a small business.

    #840271

    kapusta
    Participant

    WIY-

    I tried to keep quiet when you I thought you went overboard on other threads but this time I can’t. “Serves you and them right.”?!?! Please, please tell me that was a really really bad typo.

    *kapusta*

    #840272

    edisonJew
    Member

    Macherish –

    You could only use each card once for this deal so if you already used it for tzedakah, you wouldn’t have gotten the credit from Mostly Music anyway.

    #840273

    Macherish
    Member

    Macherish –

    You could only use each card once for this deal so if you already used it for tzedakah, you wouldn’t have gotten the credit from Mostly Music anyway.

    We have more then one card so did each transaction of $25 on a diff card

    #840274

    ☕ DaasYochid ☕
    Participant

    Sh’koach cherrybim!

    #840275

    mosheemes2
    Member

    Popa you can’t be serious about that.

    1. I suspect American Express does this specifically because their merchant fees are higher than other cards, and this is the sort of thing that convinces small businesses to accept their cards. This logic really doesn’t apply to Yeshivas.

    2. Even if that’s wrong, and we’re talking about a company, so there’s no reason to think that logic is any more wrong or right than any other, it’s really not for the Yeshiva to decide what American Express’ intention is. This program was clearly meant to support small businesses. Yeshivas are not small businesses. A yeshiva telling American Express that it is a small business is dishonest.

    #840276

    popa_bar_abba
    Participant

    I am completely serious.

    I suspect American Express does this specifically because their merchant fees are higher than other cards, and this is the sort of thing that convinces small businesses to accept their cards. This logic really doesn’t apply to Yeshivas.

    Maybe. That sounds pretty far-fetched though, that a one time deal will make businesses accept their card. It sounds even more far-fetched that you expect yeshivos to have to interpret that intent.

    Even if that’s wrong, and we’re talking about a company, so there’s no reason to think that logic is any more wrong or right than any other, it’s really not for the Yeshiva to decide what American Express’ intention is.

    I’m with you there. I don’t think anybody needs to care about what their intent in this was. We just need to follow the rules they set up.

    This program was clearly meant to support small businesses. Yeshivas are not small businesses.

    But you just said “it’s really not for the Yeshiva to decide what American Express’ intention is.”

    See what I mean?

    A yeshiva telling American Express that it is a small business is dishonest.

    I don’t believe they told them they were small businesses. Nothing was hidden here. There was no hiding the ball- it was all out in the open.

    American Express knows what each vendor is, and that is how they didn’t allow it to apply to chain stores. They apparently allowed it to apply to non-profits.

    This thread is much ado about nothing.

    #840277

    ☕ DaasYochid ☕
    Participant

    A yeshiva telling American Express that it is a small business is dishonest.

    The yeshivas aren’t telling Amex that they’re a small business. They happened to be classified this way. I see nothing wrong with it.

    #840278

    Bowwow
    Participant

    wouldn’t yeshiva’s be classified as non profits which may have different rules than traditional small businesses (although most small businesses these days are non profits as well). For all of those concerned that the yeshivas did something wrong, just check with Amex if the promotion applied to non profits as well.

    #840279

    ☕ DaasYochid ☕
    Participant

    wouldn’t yeshiva’s be classified as non profits which may have different rules than traditional small businesses

    If it worked, that means by definition, Amex classisifies them as small businesses.

    #840280

    YW Moderator-42
    Moderator

    I suspect American Express does this specifically because their merchant fees are higher than other cards, and this is the sort of thing that convinces small businesses to accept their cards. This logic really doesn’t apply to Yeshivas.

    Of course it does. There are yeshivos that don’t accept Amex because of their high fees. This sort of thing gets those yeshivos to reconsider. Why is this any different than a small business?

    #840281

    lakewoodwife
    Member

    I don’t have Amex so I didn’t do the deal but I did see some Amex ads about it & they specifically said small business or non-profits (don’t remember the exact wording, but they definitely had in mind that you could give your $25 to charity)

    #840282

    YitB
    Member

    @ Macherish

    If you still haven’t received your credit send a secure message through your amex account or call them and they will manually credit you. This problem was widely reported and unless you had a store branded or citi amex card, it was easily resolved.

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