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I picked up my iMac at the store on Friday. I attempted to return/rebuy it, but was unsuccessful. The two employees who helped me were very nice and sympathetic, but they were unable to find a way to make it work.

I first told the employee who brought out my iMac that I needed to return and rebuy it with Apple Pay for the Discover cash back deal. She immediately said that couldn't be done because they have no way to enter a BTO order into their system. I'm sure that's true, but it's clear from this thread that there are ways around this. However I could tell right away that she wasn't going to try to find a way around it.

I politely mentioned that I had seen that other people were able to do this, so there must be a way. She got someone else to help check (not sure if he was a manager or not) - they went to the back to talk to someone in inventory for 10 minutes, but ultimately came back and said it couldn't be done. I could tell that both of them were not "problem solvers" - once they hit the first roadblock, it was over; not possible.

The first employee did suggest that I call back in a few days when a senior manager was there, and maybe I'd have better luck. I didn't want to keep pressing it further, so I thanked them for checking and brought home my new iMac. I don't know whether I'll bother retrying since I did get cash back on a good portion of the price. The main advantage would be for Discover's 1-year warranty extension; not sure if they'd provide coverage with my current payment situation.

Ultimately, I think for this to work, you do need to find an employee who is a problem solver. And unfortunately that's mostly the luck of the draw. You can ask to escalate, but even at higher levels, I can see some managers simply saying "sorry, we can't do that" and staying firm.
 
I picked up my iMac at the store on Friday. I attempted to return/rebuy it, but was unsuccessful. The two employees who helped me were very nice and sympathetic, but they were unable to find a way to make it work.

I first told the employee who brought out my iMac that I needed to return and rebuy it with Apple Pay for the Discover cash back deal. She immediately said that couldn't be done because they have no way to enter a BTO order into their system. I'm sure that's true, but it's clear from this thread that there are ways around this. However I could tell right away that she wasn't going to try to find a way around it.

I politely mentioned that I had seen that other people were able to do this, so there must be a way. She got someone else to help check (not sure if he was a manager or not) - they went to the back to talk to someone in inventory for 10 minutes, but ultimately came back and said it couldn't be done. I could tell that both of them were not "problem solvers" - once they hit the first roadblock, it was over; not possible.

The first employee did suggest that I call back in a few days when a senior manager was there, and maybe I'd have better luck. I didn't want to keep pressing it further, so I thanked them for checking and brought home my new iMac. I don't know whether I'll bother retrying since I did get cash back on a good portion of the price. The main advantage would be for Discover's 1-year warranty extension; not sure if they'd provide coverage with my current payment situation.

Ultimately, I think for this to work, you do need to find an employee who is a problem solver. And unfortunately that's mostly the luck of the draw. You can ask to escalate, but even at higher levels, I can see some managers simply saying "sorry, we can't do that" and staying firm.

as you mentioned...if we did the buy an imac with discover apple pay (in store), returned in on the spot for a gift card and then order said CTO imac with the gift card we WOULD NOT get additional warranties under discover right?

that's kind of a deal breaker for me.
 
I may have missed it but can you BTO in store and pay them in store for the discover Apple Pay 10% then return to pick it up when it comes in?
 
as you mentioned...if we did the buy an imac with discover apple pay (in store), returned in on the spot for a gift card and then order said CTO imac with the gift card we WOULD NOT get additional warranties under discover right?

that's kind of a deal breaker for me.
What warranties would apply to Apple products purchased with a Discover card?
 
What warranties would apply to Apple products purchased with a Discover card?
Login to the Discover website, click on Account, Built-In Card Benefits, and then Extended Product Warranty. There's a link at the bottom of this page with full terms and conditions.

Discover said:
Overview
Discover Cardmembers receive Extended Product Warranty protection for covered purchases when the entire purchase is made with your Discover Card (or accrued Cashback Bonus or Miles). This insurance will extend the terms of the original U.S. Manufacturer's Warranty up to one additional year on warranties of 36 months or less.

...

So basically it extends the standard warranty to 2 years, or AppleCare to 4 years.

Because my purchase was essentially broken into multiple transactions, I'm guessing they would argue it doesn't qualify as "when the entire purchase is made with your Discover Card" even though both transactions were on the card. Thus I'd feel safer about this coverage if I could return and rebuy in store so it would be one clear transaction.
 
Well if something breaks or you lose it, and if you try to call Discover to ask for a refund. They will ask you to why is the replacement different than the one that you purchased, particularly the price.
 
When you get additional discounts, free stuff thrown in, who are you guys talking to? What number are you calling?

I had called a few weeks ago and a rep offered me a free Trackpad if I purchased an Imac 5k....I held off because I wasn't ready to purchase. Just tried calling again and a different rep (who seemed to know very little about anything) said he couldn't do that.
 
Hey Tymbo, I tried to talk to the Apple Store Manager today, and the when through a long process of back and forth on the phone and determined that they are not able to return and repurchase my CTO iMac. The reason being that the don't carry such a computer in the store thus there is no way for them to scan it, on top of that they said all CTO computer must be returned to the warehouse. I understand this is different from your experience, unfortunately I wasn't able to get it to work.

Now, to follow up on what I did instead. As someone mentioned earlier, purchasing any product (with the obvious exclusion noted by Discover) inside Apple Store using Apple Pay, then return it on to a store credit card would absolutely work. As the Apple employee explained to me, think about it as you buying a gift for a family or friend, then that person decides to return the gift and either do an exchange or putting in on a gift card for store credit. Your bank would never be notify of such change.

I am currently in process with this method, I will keep everyone updated.

Also, the Apple specialist that has helped me through this "crisis" has offered his help to anyone with any questions you might have. If you like feel free to PM me and I will give you his extension number.
Hi Aspekt, did you end up going with buying stuff in store and then returning to put on Apple gift card then order CTO online? I'm getting ready to buy. I'm going to buy a new iphone so I can do the Discover/Apple Pay thing.
 
Hi Aspekt, did you end up going with buying stuff in store and then returning to put on Apple gift card then order CTO online? I'm getting ready to buy. I'm going to buy a new iphone so I can do the Discover/Apple Pay thing.
Yes, I did. The transaction still appears as Apple Pay after the return; it has been over a week. I guess the only way to tell if it worked or not, is to wait for the cash back bonus to appear on my statement. I'll update on this as soon as anything changes.
 
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Yes, I did. The transaction still appears as Apple Pay after the return; it has been over a week. I guess the only way to tell if it worked or not, is to wait for the cash back bonus to appear on my statement. I'll update on this as soon as anything changes.
I thought that should work. I called Apple last night and the guy told me the return would just go on my Discover card. I said well what if I'd bought them as gifts? How would you know? He put me on hold and then came back and said he didn't know if this would work. It seems pretty straight forward to me. It's not like I'm trying to rip anyone off.
 
I thought that should work. I called Apple last night and the guy told me the return would just go on my Discover card. I said well what if I'd bought them as gifts? How would you know? He put me on hold and then came back and said he didn't know if this would work. It seems pretty straight forward to me. It's not like I'm trying to rip anyone off.
As I stated earlier. If you bought a gift for a friend and that friend decided to return it and put the balance on a gift card, you will never know it on your end.
 
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i just ended up getting the highest in-store model at best buy.

2299 regular
-100 (sale)
-50 (student coupon)
-10% (moving coupon)
-22% (discover cashback)

roughly 1500 before taxes.
 
How did you get 22% Discover cashback at Best Buy??

Discover IT card - 1% cashback on all purchases
Discover Apple Pay Promotion - 10% (Best Buy accepts Apple Pay NFC in store)
Total Cashback - 11%

Double Cash back for Discover IT card holders - 22%
 
Discover IT card - 1% cashback on all purchases
Discover Apple Pay Promotion - 10% (Best Buy accepts Apple Pay NFC in store)
Total Cashback - 11%

Double Cash back for Discover IT card holders - 22%
Okay I thought that double cash back was only at the Apple Store.
 
Okay! I think this method will definitely work: buy MacBook Pro plus $300 Beats headphones (came out to ~$3,045 in TN) with Apple Pay Discover (22% cash back after 1 year), return for 2x gift cards, then go online to order the top spec iMac (for me, i7/395x/512ssd/8gb ram/magic trackpad2/applecare) with 10% government bonus. Without any discount or bonus, the original price for this rig is ~$3,419 including tax; with my planned method, the total price will be ~$2,409 (10% government bonus = $3,079 minus 22% cash back of $3,045 = $670), which is actually ~29.5% off!

Now, I tried this method last weekend after signing up for Discover and the Apple store seemed 100% okay with the plan! However, my credit card was DECLINED multiple times at two different stores. I spoke to 5 different fraud protection agents while I was in the Apple store and they were unable to help me complete the purchase. Apparently Discover has an automated fraud protection mechanism that turned on because I activated my card in another state and tried to spend $3k a few hours later. Apparently, Discover is totally incompetent because this system cannot be turned off by humans (Skynet??) no matter what. So, if you are trying this method, beware! I'm going to try again this Wednesday and post the results. Saving $1,000 seems worth the effort!
 
Anyone having luck with getting the Discover Card deal in store

The bastards kept denying my credit card with Applepay - it was really stupid. Credit card declined even while I was on the phone with Discover fraud protection. Totally inept company imo. Anyways, I had to do it the hard way. i ended up ordering the BTO iMac while I was in the store and got Discover to credit it as apple pay over the phone. So, I actually saved the extra step hehe. But yeah, use applepay in store to buy $3000 worth of stuff, then return for gift cards, then use gift cards when you buy bto imac at home.
 
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