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Not Slick PSA: Lowes no longer accepting printed gift card from merchandise credit

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Update: Its not just CardCash cards no longer accepted. Lowes implemented a new rule where cards beginning with 600649174 (merchandise credits) will no longer be accepted online and only in store if you have physical card and it can be scanned.

So basically, if you have physical card, you are fine. If you have printed card number from online resaler and its from a merchandise credit, it is currently not usable online or in store (believe these all start with 600649174). If you have printed card number from resaler that is from a gift card and not merchandise credit, it should still be usable online and in store. At least, that is the info we have at present.


Wanted to let everyone know as I've never had any problems before (spent 3K on these before). Today bought two and would not accept online. I went to balance checker and one showed balance fine and the other said go in store to get balance. When I went in store, the MOD looked at the numbers and looked at a letter from Corporate and said that they could not accept them. I told her that her own balance checker showed a balance on one and she said they still could not accept anymore. She said there was some type of fraud going on and that they had shut this down as they used to accept them all the time.

Wanted all to know.

For Reference: http://www.lowes.com/
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Community Wiki

Last Edited by Zerox February 1, 2016 at 10:55 AM
CardCash are thieving scum - look at all the negative experiences here and feel free to visit the BBB page: https://www.bbb.org/new-jersey/bu...-90028712/

Quote :
There is difference between gift cards and merch credit cards.
gift cards GC (work online and instore)
merchant credit MC (works only instore with physical card), typically issued for all returns not going back to a credit card. eg, returning anything without receipt or credit card. anything bought with a gift card even with a receipt (this is contentious because it converts gc to less useable MC).
Since you can no longer use MC online purchases, virtual MC which were sold by many sites are not useless without also having the blue physical card.

This has nothing to do with stolen ccs, etc. I returned some items 100% legit with proof or purchase, and the MC I got still didn't work online. Lowes systems are not that sophisticated, they are just banning all MC cards from online purchases. They are doing this to reduce the online discount virtual card (at least MC) market..
Quote :
If you are affected by this change, you can complain to Lowes' social media site https://www.lowesrantorrave.com and try to get a resolution. You also may be able start a refund process with your original gift card reseller and get your money back.
Quote :
Lowe's does not accept merch credit for online transactions, you can only use them in store with the physical merch card.

Regular giftcards (NOT merch credits) go through just fine online. If you buy something with a gift card and then they cannot fulfill the order (happens all the time), or you return part of it, you cannot order online again with that money/giftcard (I'm calling corporate about this, as I had $1200 in gift cards [not merch credit] that got turned into merch credit via my local lowes not having in stock what online showed).

It is NOT cardcash, it is NOT raise, it is LOWE'S. They will not accept ANY e-code for merch credit, in-store or online. YouMUST have the physical merch credit.
cardcash post
The following is about CardCash from CardCash and not about Lowe's or the issue at hand... Unless the only place you could get a Lowe's merchandise credit printout is CardCash, hmm.

1) This has nothing to do with CardCash, this was a decision by Lowe's to stop accepting Merchandise Credit gift cards if the customer does not have the original plastic card. This decision was made with no advance warning to sites like ours that resell these cards. The policy went into effect on January 7th. Please see attached internal Lowe's documentation sent to store managers notifying them of the policy change.

2) Not all printable Lowes gift cards sold by CardCash have been affected by this policy change. It only affects card numbers that have the numbers 174 part of their beginning number sequence (e.g 600649174). This number sequence is used by Lowe's for merchandise credits only.

3) CardCash will continue to work with Lowe's over the next few days to attempt to work out a resolution for this issue for our customers.

4) Going forward, CardCash will be selling printable eCards for Lowe's Gift Cards only. Merchandise credits will only be sold as plastic cards that have to be shipped to the customer.

5) If you have any concerns or questions please email our dedicated email address lowes@cardcash.com

- The CardCash Crew

Edited to remove cardcash ad.

How to use a damaged merchandise card?

A damaged merchandise card cannot be used. Its balance must be transferred to a new replacement card.

How to replace a damaged merchandise card?
Quote from DMxMD
:
The physical card must be present, we must be able to verify the balance, and it must be a bad mag stripe. Only a salaried manager can complete the process. Even then, we have to submit the card to corporate to reimburse the store for it, and we only get credit if we followed the policy to the letter. We aren't complying because of corporate allegiance or pissy attitude. We're complying because it's our job, and we're all generally sick of seeing all the theft and abuse our return policy and the ease of selling these cards has caused. We would have told you all to go take a hike a long time ago if it had been up to us.

File a Complaint Links
LowesRantToRave.com [lowesrantorrave.com]
Better Business Bureau [bbb.org]
Consumer Financial Protection Bureau [consumerfinance.gov] (submit a complaint for prepaid card)
North Carolina Department of Justice/Attorney General [ncdoj.gov]
You can also file complaints on your reseller

912 Comments

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#3
Quote from ltrazor
:
Wanted to let everyone know as I've never had any problems before (spent 3K on these before). Today bought two and would not accept online. I went to balance checker and one showed balance fine and the other said go in store to get balance. When I went in store, the MOD looked at the numbers and looked at a letter from Corporate and said that they could not accept them. I told her that her own balance checker showed a balance on one and she said they still could not accept anymore. She said there was some type of fraud going on and that they had shut this down as they used to accept them all the time.

Wanted all to know.
I just recently finished my bathroom remodel, and saved like $900 by using gift cards. This is definitely surprising, I'm wondering if the original GC was purchased with a stolen credit card. Have you spoken to cardcash support?
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HIDDEN
01-09-2016 at 10:04 AM
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#5
Quote from dantidote
:
I just recently finished my bathroom remodel, and saved like $900 by using gift cards. This is definitely surprising, I'm wondering if the original GC was purchased with a stolen credit card. Have you spoken to cardcash support?
I just bought flooring last week, spent 3K no problems.

Something wierd is up on the Lowes side. I checked lowes on site and know the card had a balance but they wouldn't accept. They have some type of memo from Corp on it is all I know. I couldn't get copy of what she was looking at.
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#6
The cards were not accepted because they were from card cash. It was for some other reason.
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Wood You?
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#7
so you can use them in store, right?
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Our community has rated this post as helpful. If you agree, why not rep ltrazor?
#8
Quote from Lakee911
:
Thanks, but you're in the wrong forum, buddy.
Understand. Put here as it would get much more visibility than in discussion forum and thought this was important as a lot of us us used CC regularly at Lowes.

Just trying to help others out.
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#9
Yeah, seems really weird for CardCash cards as those are typically just regular gift cards sold back to them. So I'm not sure how they could detect those numbers versus a regular gift card sold especially online. I could see if it were CashStar generated gift cards as those are where the various rewards sties get their cards from and more likely to have a way to detect
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#10
Did you try buying the product online and picking up in store? Lowe's can't single out gift card numbers from only one source, but they can deny your usage of paper or electronic gift cards at the register. I did receive a bad number once from one of those places & when I it wouldn't take I contacted the place I got it & they refunded the money. But if it's a good code, it should always work online.
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#11
nothing new, Lowes has been saying that Gift cards that go on the secondary market are from recycling stolen merch. Last time they made me feel like a criminal, so i dont tend to do use them at all
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#12
Quote from wood
:
so you can use them in store, right?
No, I took them into store and they look at it and looked at memo and said they can't take. She even tried to scan on register and it wouldn't take. Lowes site did show balance correctly though.

I think there is some type of fraud (outside of CC) that has caused lowes to take some kind of measures but that is only speculation.

Quote from droidfan23
:
Did you try buying the product online and picking up in store? Lowe's can't single out gift card numbers from only one source, but they can deny your usage of paper or electronic gift cards at the register. I did receive a bad number once from one of those places & when I it wouldn't take I contacted the place I got it & they refunded the money. But if it's a good code, it should always work online.
Would not accept the codes online during checkout. I could validate the balance tracker but could not use to check out.
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Last edited by ltrazor January 9, 2016 at 10:17 AM. Reason: Automerged Doublepost
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#13
There is no way Lowes can tell which one of their own gift card numbers was distributed by what source, you should fight for it.

The matter of fact, I used to go there and there are some handy man returning some extra material from the projects they took and got a gift card / store credit like 500 bucks and he offered to sell me for 300. And I just want to make sure the card was valid and we both check it out at the cashier and they took it without any issue for him selling me that credit.

Just think about it, that guy could be stealing the returning material from some where but Lowes won't give a f**k and allow him for the refund, and they don't even have any issue for him to sell the credit for cash inside their store too.

Why would they give you a hard time for this?
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#14
UPDATE: This only effects some printed paper store credit, not plastic card store credit. It only affects card numbers that have the numbers 174 part of their beginning number sequence (e.g 600649174). This number sequence is used by Lowe's for merchandise credits only.

ive noticed that there are a LOT of 'store credit' type of gift cards online.

it makes you wonder if these were from merchandise that was purchased with stolen credit cards or like the above poster said 'credit for stolen/unused job site merchandise.'

if you purchase one of these 'store credit' type of gift cards online, buy merchandise at the store, and then try to return it guess what.

in order to get that 'store credit' back you have to fork over your license which is then linked to the previous persons license of the original 'store credit' type gift card and your return status tanks.

there is/are return tracking sites that the major stores use to track peoples returns.
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Last edited by ReverseHandedJO January 10, 2016 at 08:07 AM.
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#15
I was just able to use an older GC online that still had a couple dollars left which I bought from CardCash about a month ago. So I'm guessing they have had some type of fraud and tracked it down to a specific set of cards numbers etc and not rejecting those. If anyone is able to see the letter from corporate that would be interesting to hear what exactly it says. Could be something as simple as if the scenario happens where the GC is being rejected that is why and not to accept it etc even if it shows a balance
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Last edited by KoryBricker January 9, 2016 at 10:31 AM. Reason: clarify online versus instore
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