I remember 20 years ago the amount of discounts that were available at the time. People would go to Raise buy discounted Target gift cards and then use them to buy Disney gift cards. Also at that time Target team members were allowed to use their discount for gift cards. Unfortunately it got to the point that the deals were stopped entirely. Big corporations watch these transactions and over time make changes in their favor.I can’t imagine HD is thrilled with you either using their discount on 3rd party gift cards instead of actual merchandise where they have much higher margins. Everyone is griping at Chase so that ship has sailed but griping at the merchant is a great way to get the merchant to make Chase change the offers.
Nice example of Chase changing offers- Dunkin’ Chase offers worked great for reloading Dunkin accounts until one day they stopped working and then the T&Cs changed to specifically exclude account reloads. That sort of thing is too small for Chase to care about so I believe the merchant forced the change…
We all try to do these hacks, but sometimes if they don’t work it is best to accept the loss.