Manufactured Spending - Wells Fargo Prepaid Cards

Found this information in the comments section of one of MileValue.com blog and thought I'd share with the FlyerTalk community. Haters are gonna hate.

No personal experience thus far.

https://www.wellsfargo.com/giftcard/reloadable-cards/prepaid-card/faq
https://www.visaprepaidprocessing.com/WellsFargo/PrePaidCard/PRC312/CP312-T02-013/docs/terms.htm

Please read the FAQs and T&Cs

-Load $10-$2500 per day via credit or debit card
--quoted from a "dctech" in post #142

The rolling limits are:

$2,500 in 24 hrs
$3,500 in 15 days
$4,500 in 30 days

-$5.00 per load if using a non-Wells Fargo card
-$3.00 monthly maintenance fee
-$2.50 ATM withdrawal fee at non-Wells Fargo ATM. First 2 are free if taken at a Wells Fargo ATM and $1.00 afterwards.
-$500 max ATM withdrawal per day, $1500 max in a rolling 7 day period, $5000 in 30 days.
-$600 max per transaction online ( can't use the card on Amazon to buy a$601 IPAD)
-$5000 max on card at any one time

This is a prepaid debit card You can get cashback at grocery stores or buy money orders at Walmart.

WARNING: based on user feedback, Citibank codes these loads as cash advances while Chase did not. If you are worried, try the minimum load amount of $10 (+$5 fee)?

So, is this bettter then the AMEX prepaid + Vanilla combination?

Assuming your CC bills it as a purchase and not cash advance, let's break down the costs to meet the $10,000 Ink Plus sign-up bonus (this is an extreme example of 100% abuse of the system):

AMEX + Vanilla:

$79.00 for 20 Vanilla reloads ($3.95 ea)
$110.50 for 25 $400 withdrawals (25x$2.50 + 24x$2.00)

$189.50 total cost

Wells Fargo:

$20.00 for 4 CC loads of $2500 ea ($5.00 ea)
$6.00 maintenace fee (need to hold on to the card for two mths)
$100.00 for 20 $500 withdrawals (20x$2.50 + 20x$2.50)

$126.00 total cost

So, which one are you gonna use?

EDIT: based on posts in this thread, below is a summary of how some credit card companies are posting loads to the Wells Fargo prepaid:

Citibank - CASH ADVANCE
BofA - Sale
Chase - Sale

Well the $10k of Ink purchases made at OD will also earn 50,000 additional UR points (or 40,000 more than normal purchases). I think this overwhelms any $ savings.

Any idea how AMEX codes the loads to the Wells Fargo card (cash advance or purchase)?

So, which one are you gonna use?
Why posed as an either / or question?;)

Looks like they only accept Visa or MC. No AMEX option.

These are not PIN-based, correct?

The only advantage I see here vs the Ink Bold @ Office Depot is that you can actually withdraw CASH from these. You take a slight devaluation, but if you're looking to hit a bonus spend it's easy and quick.

Since you can only w/d $5k a month, I'm going to assume that as the upper limit of what someone would want to do.

So for one month of service, you PAY:
$10 for 2 loads of $2500
$3 for monthly maintenance (may be able to get this waived if you're a wealth mgmt client at WF?)
$8 for 8 ATM withdrawls at WF ATMS (1st 2 are free) of $500/each

Total is $21 per month and you get to run $5k through your (non Citi) card and get the cash back right away.

5000 UR would be worth $50 even in cash back, but can be worth $60-600 for travel value. $100 is probably a good conservative estimate.

So you do well... not like the mint, I guess, but at $252 per year for 60k points, I'd say it's worth it.

EDIT: if you use your CSP, it'd actually be 64,200 per year after the 7% dividend.

Well the $10k of Ink purchases made at OD will also earn 50,000 additional UR points (or 40,000 more than normal purchases). I think this overwhelms any $ savings.

This is an extreme newbie question, but I don't have the Ink card (yet). Is the 5pt/$ earned at OD B&M? Or can it be done online through the UR portal?

2. Your personal identification number/signature on the Card.
In order to protect the use of your Card, a personal identification number ("PIN") will be required to conduct a transaction with your Card at an ATM or at a POS terminal where PINs are accepted. This PIN will be provided to you by Bank at the time your Card is activated. You should not disclose your PIN to anyone. .......

...

Sorry, what's ur point? Are u saying the op is posting wrong info. I appreciate op taking time to provide all the details and let us decide.

Sorry, what's ur point? Are u saying the op is posting wrong info. I appreciate op taking time to provide all the details and let us decide.If you are going to post something at least take the time to see if the info is correct. Everyone is just too lazy and wants to be spoon feed. This is also why deals don't last long.

^^^ thanks, dctech!

If you are going to post something at least take the time to see if the info is correct. Everyone is just too lazy and wants to be spoon feed. This is also why deals don't last long.

I appreciate the mods taking down his original post due to name calling. I think I have a pretty thick skin, but thank you. I must say that I am honored QL_714 took the tIme to post in this thread. Next time you are in SD, I'll buy you your first beer and slice of Pizza Port pizza.

I agree the Ink cards are more valuable in the long run, but WF is good for those trying to meet minimum spend requirements quickly on other cards or have a hard time finding the Vanilla reloads. I haven't joined in on this endeavor but wanted to provide the information that is readily available on WF website.

Again, make sure you test the waters before your CC company surprises you with cash advance fees.

This is an extreme newbie question, but I don't have the Ink card (yet). Is the 5pt/$ earned at OD B&M? Or can it be done online through the UR portal?

5x is at any office supply store. You can get additional pts going through the UR portal, but in this situation, Vanilla reloads cannot be bought online.

I appreciate the mods taking down his original post due to name calling. I think I have a pretty thick skin, but thank you. I must say that I am honored QL_714 took the tIme to post in this thread. Next time you are in SD, I'll buy you your first beer and slice of Pizza Port pizza.It was not directed at you anymore than your hater comment was directed at me.

-$5.00 per load if using a non-Wells Fargo card


Does anyone have any experience on loading WF Prepaid card with Vanilla Reload? How does the loading fees are charged? Is it $5 per $500 Vanilla card?

I think this is awesome information for anyone trying to meet Spending requirements! Im about to do an APP-O-Rama that would require me to spend about 26k in 6 months. This is going to help me a lot. Thanks OP. ^

Does anyone have any experience on loading WF Prepaid card with Vanilla Reload? How does the loading fees are charged? Is it $5 per $500 Vanilla card?Try it and see what happens.

Try it and see what happens.

Well, before trying out, just wanted to find out if anyone has any experience.

Well, before trying out, just wanted to find out if anyone has any experience.

Why would you want to use it? I mean that in the most inquisitive way, no disrespect at all. But why pay 2 fees (Vanilla + WF) to access the same amount of money? Why not buy the WF credit directly with your CC?

Why would you want to use it? I mean that in the most inquisitive way, no disrespect at all. But why pay 2 fees (Vanilla + WF) to access the same amount of money? Why not buy the WF credit directly with your CC?

If I buy Vanilla Reloads at OD, then I can get additional 5x UR with my Ink, i.e. 50K UR in two months with 10K spend on Ink + spend bonus (50K UR).

Why would you want to use it? I mean that in the most inquisitive way, no disrespect at all. But why pay 2 fees (Vanilla + WF) to access the same amount of money? Why not buy the WF credit directly with your CC?

Meeting spend requirements on a citi card which classifies WF as a cash advance otherwise?

Maybe some arbitrage opportunities for cards with very rewarding purchase amounts at certain merchant codes (IE: grocery store).

Hiding the true intent of your purchases from your card issues if you need to do a lot.

If I buy Vanilla Reloads at OD, then I can get additional 5x UR with my Ink, i.e. 50K UR in two months with 10K spend on Ink + spend bonus (50K UR).

Gotcha. I can see the benefit there. Buy them at OD, load up the WF card and then cash out. You'd take 2 devaluations in your money but be getting the 5x and cash out.

Gotcha. I can see the benefit there. Buy them at OD, load up the WF card and then cash out. You'd take 2 devaluations in your money but be getting the 5x and cash out.

Seems like I would be spending additional $160 for 40K additional UR points. Is it woth it?

Anyone tried to load from Amex?

Seems like I would be spending additional $160 for 40K additional UR points. Is it woth it?


hell yeah

Anyone tried to load from Amex?

With posts like this one, I can understand why the old timers get frustrated with some of these types of posts.

No one bothers to read the thread. See post #5 by dctech.

I've been testing out the wells fargo card for the past 2 months. So far all chase cards posted points!! YEAH!! However I have a drawback, wells fargo has prevented me to load further funds after about $5000 loads. I get a message saying maximum amount loaded. Did not say how long I can load again nor did I find anything in the terms and conditions page.

Plus, I also received a few calls from wells fargo fraud prevention department asking about the transactions on my account. I've responded back and have those cleared out.

At the moment I havent yet checked with prepaid department about funding my card further. My plan is to give it some time and check on it later. Don't want to disturb the flag and have this killed.

These are my experiences.

Tread at your own pace....

With posts like this one, I can understand why the old timers get frustrated with some of these types of posts.

No one bothers to read the thread. See post #5 by dctech.

thanks! (oy vey)

I am going to try it out and see, what happens

Seems like my wallet is changing from being full of CCs to being full of PPC's!

Ahhhh

Everyone tread with caution. I can see Chase banning us for stuff like this. I dont want to become one of those horror stories where I cant access any of my UR points and chase closing all of my accounts. That would be a nightmare. I think i'll be conservative and do only about 2500 worth every quarter

A NS + wells fargo Prepay + Amex Prepay + Amazon payments make a deadly combination for high spending requirement. :)

If everyone keeps blatantly commenting on the deal and the details then it isnt going to last your 6mos to get the spend you need. I dont know when FT became a place for stupid people to blab out and spell out each specifc but how long before this bank decides that the public discussion warrants them closing the loophole?

lets close and lock this thread up!

NS = NetSpend

It is another prepaid card that serves similar functions. The Frequent Miler blog has covered this discussion.

Teller Cash Withdrawal (Domestic¹) $3.00

Anyone know the limit on this. Could reduce fees.

Teller Cash Withdrawal (Domestic¹) $3.00

Anyone know the limit on this. Could reduce fees.

Why bother? I assume if a Wells Fargo teller is available in your area, the even further reduced fee of using a wells fargo ATM is preferred.

.....

Why bother? I assume if a Wells Fargo teller is available in your area, the even further reduced fee of using a wells fargo ATM is preferred.

The ATM daily limit is $500 if think. There likely is no limit at the teller. $3.00 and I get all my money back in one transaction.

Edit: I now see there is daily teller limit $500 .

Wish there was some way to pay a WF mortgage (few thousand per month) in one lump sum with this card. But it looks like there is a $600 limit per transaction and $500 limit to get cash using a teller.

I have what is almost certainly a stupid question resulting from me overlooking something painfully obvious, but here it goes:

Let's say you use Bank X's CC to load up the WF PPC. Why would Bank X care one way or the other if you were doing this repeatedly? From Bank X's financial perspective, isn't it no different than any other transaction? If you use the Bank X CC to buy $100 worth of candy vs $100 worth of WF PPC, is there any difference to what Bank X receives?

I have what is almost certainly a stupid question resulting from me overlooking something painfully obvious, but here it goes:

Let's say you use Bank X's CC to load up the WF PPC. Why would Bank X care one way or the other if you were doing this repeatedly? From Bank X's financial perspective, isn't it no different than any other transaction? If you use the Bank X CC to buy $100 worth of candy vs $100 worth of WF PPC, is there any difference to what Bank X receives?

I'd assume that repeated purchases to another financial institute can look like laundering.

I'd assume that repeated purchases to another financial institute can look like laundering.

Let's say, for the sake of argument, you explain to them exactly what you are doing so they know it's not laundering. Then what issue would they have?

I'd assume that repeated purchases to another financial institute can look like laundering.

Thats a pretty big assumption.

Let's say, for the sake of argument, you explain to them exactly what you are doing so they know it's not laundering. Then what issue would they have?

Ask the cardinals who closed purchasing money orders, gift cards, etc. etc. etc.

I have what is almost certainly a stupid question resulting from me overlooking something painfully obvious, but here it goes:

Let's say you use Bank X's CC to load up the WF PPC. Why would Bank X care one way or the other if you were doing this repeatedly? From Bank X's financial perspective, isn't it no different than any other transaction? If you use the Bank X CC to buy $100 worth of candy vs $100 worth of WF PPC, is there any difference to what Bank X receives?

Cash advances are just statistically riskier transactions than purchases of goods and services. Their numbers prove that. So they treat cash advances differently to offset the increased risk. They charge fees and interest immediately.

Everyone tread with caution. I can see Chase banning us for stuff like this. I dont want to become one of those horror stories where I cant access any of my UR points and chase closing all of my accounts. That would be a nightmare. I think i'll be conservative and do only about 2500 worth every quarter

First, I have no skin in this game-feel free to take my comments for what they are worth.

The quoted post is a very important one. You DO NOT want to be blacklisted from Chase. Chase controls a large percentage of the travel cards market and it's just not worth it to get greedy on one deal and be banned altogether.

Mike

Check this out if you want a better summation (http://boardingarea.com/blogs/viewfromthewing/2012/08/15/using-wells-fargo-prepaid-visa-cards-to-meet-credit-card-minimum-spend-requirements/) of my first post :rolleyes: I think he may have done a better job with indentation and paragraph breaks.

Check this out if you want a better summation (http://boardingarea.com/blogs/viewfromthewing/2012/08/15/using-wells-fargo-prepaid-visa-cards-to-meet-credit-card-minimum-spend-requirements/) of my first post :rolleyes: I think he may have done a better job with indentation and paragraph breaks.

Love this:

Do this enough and you may wind up having to take calls from the Wells Fargo fraud prevention department, that’s not a problem just a hassle. And Chase presumably won’t like it, serial heavy users of this technique could attract their ire.

Not a problem, just a hassle. Oh, and maybe some "ire" raised.

Nice disclaimers for those who might jump in deep based on this post. Anyone who takes the advice of a travel blogger about handling his finances without doing deeper research may see this blow up in his face.

First, I have no skin in this game-feel free to take my comments for what they are worth.

The quoted post is a very important one. You DO NOT want to be blacklisted from Chase. Chase controls a large percentage of the travel cards market and it's just not worth it to get greedy on one deal and be banned altogether.

Mike
I completely agree.
You hear a lot of reports of Chase banning people for taking advantage of the Ink 5% back at OD to buy prepaid cards. I personally wouldn't risk it--it's not just the Ink card that gets shut down it's ALL of your Chase cards.

i can only reload this with credit or debit card? can i load VANILLA RELOAD pack on this?

thanks

I completely agree.
You hear a lot of reports of Chase banning people for taking advantage of the Ink 5% back at OD to buy prepaid cards. I personally wouldn't risk it--it's not just the Ink card that gets shut down it's ALL of your Chase cards.

Where are these reports? :confused: I haven't seen this reported anywhere and I'm sure it would be big news if it was happening.

Don't burn bridges with Chase, people. Not worth it. Their cards allow bank deposits via credit card to be classified as purchases unlike other banks and they have some of the best card offers. Shortsighted gold rushes often don't end well.:cool:

Where are these reports? :confused: I haven't seen this reported anywhere and I'm sure it would be big news if it was happening.

Hmmmm now what would Cardinal Fang's issues be - the transaction is not profitable, the transaction does not meet the intended purpose for extending credit, you expect the bank to trust you when you say you aren't laundering (ha, ha, ha - that is rich)...:D


Quote:
Originally Posted by sk8uno
Let's say, for the sake of argument, you explain to them exactly what you are doing so they know it's not laundering. Then what issue would they have?

Ask the cardinals who closed purchasing money orders, gift cards, etc. etc. etc.

Their cards allow bank deposits via credit card to be classified as purchases unlike other banks and they have some of the best card offers. Shortsighted gold rushes often don't end well.:cool:

I am curious, pl explain "Their cards allow bank deposits via credit card to be classified as purchases"

I tried to send a private message and this is what i get "AlohaDaveKennedy has exceeded their stored private messages quota and cannot accept further messages until they clear some space."

I am curious, pl explain "Their cards allow bank deposits via credit card to be classified as purchases"

I tried to send a private message and this is what i get "AlohaDaveKennedy has exceeded their stored private messages quota and cannot accept further messages until they clear some space."This should be straightforward. ADK's response was in English. Some card transactions are marked as cash advance (you pay a ~3% fee, and you earn rewards). Other (most) card transactions are marked as a purchase. You earn rewards on these transactions.

Don't burn bridges with Chase, people. Not worth it. Their cards allow bank deposits via credit card to be classified as purchases unlike other banks and they have some of the best card offers. Shortsighted gold rushes often don't end well.:cool:When is the last time you tried?

When is the last time you tried?

It didn't work for funding a Chase checking account. Nice $10 cash advance fee and daily interest on a CSP :(

.....

.....

.....

I completely agree.
You hear a lot of reports of Chase banning people for taking advantage of the Ink 5% back at OD to buy prepaid cards. I personally wouldn't risk it--it's not just the Ink card that gets shut down it's ALL of your Chase cards.

I agree with the overall sentiment. Chase is a golden goose, and I value the card sign ups and benefits too much to risk pushing too far.

That said the reports on people being banned were generally in one of two categories - (1) people who seriously maxed out the AARP 5% on everything cash back cards (many people made several thousand dollars in hard cash, I managed a couple K myself and got a bit nervous); and (2) people who used scripts to generate thousands of 1c transactions on the Chase Freedom card to take advantage of the 10 points per swipe bonus. I have not personally read of anyone getting banned for the OD gig and frankly the 50k upper limit seems to have their tolerance for bonus dishing built in.

There is a great deal of possibility they would frown upon excessive and/or exclusive use of a credit card for buying "stuff" from Wells Fargo. So proceed with caution.

And instead of people posting "how about this card or that card" - how about you go and try it with a small amount, say $10, and then report that back here for the collective to utilize? It is very lazy to simply demand what works and what doesn't on a deal like this without contributing anything in return.

how about you go and try it with a small amount, say $10, and then report that back here for the collective to utilize?

Did exactly that w/WF and Explorer. Posts as a sale.

Does anyone have any experience on loading WF Prepaid card with Vanilla Reload? How does the loading fees are charged? Is it $5 per $500 Vanilla card?

Does not work. Tried yesterday.

Does not work. Tried yesterday.

So, you can't load WF with Vanilla Reload card? Did you call Vanilla for help? Vanilla says it should work with all prepaid cards - Visa, MC, and AmEx!!

So, you can't load WF with Vanilla Reload card? Did you call Vanilla for help? Vanilla says it should work with all prepaid cards - Visa, MC, and AmEx!!

No you can't load WF PP with Vanilla Reloads. The only form of funding the WF card is credit or debit.

Not sure if this might already be under increased scrutiny from WF, but I got my card in the mail, activated it, and tried to load it. Seems that just the fact that I added a second credit card to my profile for the load has caused me to go under a security alert, and it'll take up to 10 business days for this to be completed.

Oh well. Had it working for almost 10 minutes there.

I'll try to remember to report back in three weeks.

You read my mind ( I know not that hard to do LOL) I love Chase and have been a customer for over a decade and would hate to have my accounts closed since they hold up my high credit rating with my long term accounts. First, I have no skin in this game-feel free to take my comments for what they are worth.

The quoted post is a very important one. You DO NOT want to be blacklisted from Chase. Chase controls a large percentage of the travel cards market and it's just not worth it to get greedy on one deal and be banned altogether.

Mike

You did very well and Thank YouCheck this out if you want a better summation (http://boardingarea.com/blogs/viewfromthewing/2012/08/15/using-wells-fargo-prepaid-visa-cards-to-meet-credit-card-minimum-spend-requirements/) of my first post :rolleyes: I think he may have done a better job with indentation and paragraph breaks.

You did very well and Thank YouC+, did not get the load limits correct.

C+, did not get the load limits correct.

LOL, You are a hard crowd to play for. ;)

LOL, You are a hard crowd to play for. ;)...but you and many others know I am right. :p

I tried two different banks, each amount was $100.

Citi Business posted as "Cash Advance"
Chase posted as "Sale"

Did anyone try Barclays? BofA? Would be nice to get more data points.

Best,

PedroNY

I tried two different banks, each amount was $100.

Citi Business posted as "Cash Advance"
Chase posted as "Sale"

FTR, it does mention that in the 1st post. You could have avoided the Citi cash advance fees

Did anyone try Barclays? BofA? Would be nice to get more data points.


BoA works

I hear you, in my experience, Citi and CitiBusiness sometimes code things differently, and sometimes there are interesting turn of events when that happens, not in this case.

Thank you for the additional data point.

I think the $100 purchases with Chase and Bofa is the best bet for now.

Lets keep it simple and small with these purhcases.

Actually its probably not worth it, $5 per load and $3 monthly maintenance fee. Without the $3 maintenance fee, your already losing 5% if you deposit $100. ouch. Anything bigger and wells fargo will probably shut you down. I dont see this as a feasible option anymore. Lets shut down this thread and move on.

Is there a problem loading the WF card with $500 at a time (with the $5 load fee)?

Or is this amount causing some sort of alerts with WF?

Is there a problem loading the WF card with $500 at a time (with the $5 load fee)?You are just wasting money on fees.

wait, seriously, people are asking about loading with $500?

*face palm*

Barclays (US Air MC) works.

Does anyone know "Amex" works with wells forgo prepaid card?. Thanks

Does anyone know "Amex" works with wells forgo prepaid card?. Thanks

Does not

Does anyone know whether this thread has other pages or is this the only one?

Does anyone know whether this thread has other pages or is this the only one?

This is the special "I can't find page #1" page

Don't burn bridges with Chase, people. Not worth it. Their cards allow bank deposits via credit card to be classified as purchases unlike other banks and they have some of the best card offers. Shortsighted gold rushes often don't end well.:cool:

where's the reference to the pointy hatted authorities!?

also, am considering this for wife as well. think that'll set off any extra alarms for double duty at same address?

wait, seriously, people are asking about loading with $500?

*face palm*

There are many reason people may wish to load with a gift-card, which are typically limited to $500. There's some discussion on page2/3 about this.

Anyone tried with their new US Olympic Medals ?

I just tried to load $2500 with CSP and the transaction wouldn't go through. I than lowered it to $1999 and still no go. Does anyone know if something has changed? Maybe with CSP?

I just tried to load $2500 with CSP and the transaction wouldn't go through. I than lowered it to $1999 and still no go. Does anyone know if something has changed? Maybe with CSP?
The batteries might be low in your CSP so it may not be working properly.
Try getting the man in the pointy hat to come and fix it perhaps by calling him down from the mountain with his flock to herd some savings into the united corral all the villagers use. Then the olympic event will ride the stagecoach west to the big jamboree and all the flyer talkers will send smoke signals to the Cardinals to rain on our jamboree weinie roast.

Please no pms I don't know what that means if you don't

I just tried to load $2500 with CSP and the transaction wouldn't go through. I than lowered it to $1999 and still no go. Does anyone know if something has changed? Maybe with CSP?Nothing has changed. The information in the first post is still wrong. Maybe one of the so called expert bloggers can fill you in.

Nothing has changed. The information in the first post is still wrong. Maybe one of the so called expert bloggers can fill you in.

Which information is wrong? The daily limit of max $2500 (max 5k per month) is stated in t&c. What is the max amount you can load with a chase card?

You need to know which pool of limits chase swims in during its initial holding period to figure out how much you can load. If the pool is not Olympic size, make sure you swim within the ropes on the kiddie end

Oh, they'll introduce themselves soon enough. Don't think two on a match will trigger the call, though.

where's the reference to the pointy hatted authorities!?

also, am considering this for wife as well. think that'll set off any extra alarms for double duty at same address?

You need to know which pool of limits chase swims in during its initial holding period to figure out how much you can load. If the pool is not Olympic size, make sure you swim within the ropes on the kiddie end

... and how do you figure that out? call chase? i am waiting for my ink bold to arrive and was hoping I could load the max.

I just loaded $1100 +- onto the card using my Cap One cc (earns tuppence per dollar spent). It shows at Cap One as a Pending Transaction. Per the WF website you can have a maximum of two funding sources. First load was $500 using Chase. (You can delete funding sources to add different ones.)

Anyone know what's the max you can spend at a brick and mortar store for a PIN purchase? I'm heading out to a local mom and pop run by the beaver's mom and dad.

... and how do you figure that out? call chase? i am waiting for my ink bold to arrive and was hoping I could load the max.

Why would you call chase and then the rep documents the call which is their job and the questions you ask go in the computer. hmmm :td:

Then the system analyzes everything and soon there are solutions from systems that cost millions of dollars. slow normal transactions with no phone calls or emails is the way to go

Why would you call chase and then the rep documents the call which is their job and the questions you ask go in the computer. hmmm :td:

Then the system analyzes everything and soon there are solutions from systems that cost millions of dollars. slow normal transactions with no phone calls or emails is the way to go

Thanks.

Thanks.

I just read a new thread where a guy called BOA to get his credit line from and old card moved to a new card he just opened with a smaller limit than he wanted. So BOA hit him with a Hard Pull Again to take a look. So he got one for opening the card then another when he called in. 2 hard pulls

Calling them isn't working out so well

wait, seriously, people are asking about loading with $500?

*face palm*

Well, mostly *face palm.* For newbies just learning the game and not wanting to go too far out on the limb on their first or second transaction, I can see being willing to pay the fees just to learn at a slow and steady pace.

I've been doing it for a while and for me, it would be grounds for losing an arm.

Mike

Nothing has changed. The information in the first post is still wrong. Maybe one of the so called expert bloggers can fill you in.

Does anyone have a clue what information is QL_714 referring to be wrong in the first post?

Does anyone have a clue what information is QL_714 referring to be wrong in the first post?Don't pay much attention to him, he just likes to talk.

... and how do you figure that out? call chase? i am waiting for my ink bold to arrive and was hoping I could load the max.

I don't have the card, and haven't looked into this closely, but from some recent posts on this thread then I'd hesitate a guess that it's looking at your cash advance limit to begin with, which may well be lower than $2,500.

If I'm wrong maybe someone can be bothered to correct this.

I just loaded $1100 +- onto the card using my Cap One cc (earns tuppence per dollar spent). It shows at Cap One as a Pending Transaction. Per the WF website you can have a maximum of two funding sources. First load was $500 using Chase. (You can delete funding sources to add different ones.)

Anyone know what's the max you can spend at a brick and mortar store for a PIN purchase? I'm heading out to a local mom and pop run by the beaver's mom and dad.

I'll answer my own question, in case anyone else is wondering. I tried to make a purchase for 900+- and the card was rejected. I asked the cashier to split it into two pieces with $600 for the WF card. She was not able to do it (although I've heard it can be done, neither of us knew how.) Then I went to purchase a bag of corn chips for $1.98 and requested $100 cash back. Success! So I figure if I buy 49 bags of corn chips each month, I'll recoup my $5K investment!

... and how do you figure that out? call chase? i am waiting for my ink bold to arrive and was hoping I could load the max.

Look at what User Name said.

I'll answer my own question, in case anyone else is wondering. I tried to make a purchase for 900+- and the card was rejected. I asked the cashier to split it into two pieces with $600 for the WF card. She was not able to do it (although I've heard it can be done, neither of us knew how.) Then I went to purchase a bag of corn chips for $1.98 and requested $100 cash back. Success! So I figure if I buy 49 bags of corn chips each month, I'll recoup my $5K investment!

Can you not request more than 100 cash back?

How many days to get the card after online application?

I plan to use my Ink plus card to fund $5000 in a month and ATM withdrawal of all cash, and then cancel the card. Will I have any problems doing it?

Can you not request more than 100 cash back?

How many days to get the card after online application?

I plan to use my Ink plus card to fund $5000 in a month and ATM withdrawal of all cash, and then cancel the card. Will I have any problems doing it?

Probably. Both Chase and Amex are likely to complain. Why not fund it a smaller amount monthly over several months before canceling?

Why is everyone so greedy? Take it slow, and both you and everyone else will get more over the long run? Trying to do it too fast is just going to get you banned and the deals reduced in value.

i loaded 2.5k with my chase card...bought 4 $500 money order at walmart in 4 separate transactions and withdrawn the rest at a wells forgo ATM....im more concern about chase shutting me down..so i wont do it anymore..1% is just not worth the hassle..

Anyone tried with their new US Olympic Medals ?

Yes - and it was charged as a regular purchase.

i loaded 2.5k with my chase card...bought 4 $500 money order at walmart in 4 separate transactions and withdrawn the rest at a wells forgo ATM....im more concern about chase shutting me down..so i wont do it anymore..1% is just not worth the hassle..

its really less than 1% with your method.


4 dollars + 3 dollars maintenance fee + free withdrawal.

oh.

$5 dollars a load. That alone is $25.00. Nevermind. lol

The fail of Flyertalk is strong in this thread. :D

Probably. Both Chase and Amex are likely to complain. Why not fund it a smaller amount monthly over several months before canceling?

Why is everyone so greedy? Take it slow, and both you and everyone else will get more over the long run? Trying to do it too fast is just going to get you banned and the deals reduced in value.

"Greed is Good" - by Wall Street

I have only 6 weeks to spend 5000 for 25k bonus points, without that its not worth doing for me....

Banks are the 'master churners' they need your participation, so they invite you to apply but they set the rules of the game....long time ago some one spread the rumor, and has been repeated million times does not make it true.

If you continue to pay your bills, why would they kill the golden goose?

Does anyone know Bank of America (BOA) treat this as a purchase or cash advance? thanks.

Can you not request more than 100 cash back?

?

Good question - the store I went to had buttons to push with fixed amounts (20, 40, 60, 80, and 100). Then I went to another store which gave you the option to fill in an amount. Foolishly I guess I just filled in $100 and it worked. I think the limit would be a function of the bank issuing the card and/or the store.

Does anyone know Bank of America (BOA) treat this as a purchase or cash advance? thanks.

BOA works. Btw just search this forum for "BOA" It has already been asked and answered.

Cheers

Interesting feature on this card - they give you a routing number and account number for debit card loads. Sometimes in the past, I've needed an account for a deposit (something like PayPal, Amazon, Venmo) that's different from my main account. This could come in handy.

Not sure if all prepaid debit cards have that - this is my first.

Added two non-Wells credit cards as funding cards and used each once to load but so far no load fee charged.

Do they charge end of month or is first load free per funding card as suggested upthread?

So how is the monthly fee assessed if it has zero balance? Does it go in the hole?

So how is the monthly fee assessed if it has zero balance? Does it go in the hole?

same would also like to know

Sometimes in the past, I've needed an account for a deposit (something like PayPal, Amazon, Venmo) that's different from my main account.You might want to check out Alliant CU. ;)

"Greed is Good" - by Wall Street

I have only 6 weeks to spend 5000 for 25k bonus points, without that its not worth doing for me....

Banks are the 'master churners' they need your participation, so they invite you to apply but they set the rules of the game....long time ago some one spread the rumor, and has been repeated million times does not make it true.

If you continue to pay your bills, why would they kill the golden goose?

Very simple: Let's say they have a flock of 10 million geese as customers and 1/10 of 1% do things like you describe and their expensive computer systems detect it or their human monitors detect it. So if they make x... billion$ off 9.999 million goose customers don't you think they would want to set up guidelines to keep up the profitablity margins.

They have entire departments that do nothing but study profitability.
But if you are never planning to ever want to do business with them again then getting turned for accounts from them in the future shouldn't worry you.
You could burn bridges with Chase, Citi, Amex, BOA and maybe just be happy to get a Discover Card :p:D

Interesting feature on this card - they give you a routing number and account number for debit card loads. Sometimes in the past, I've needed an account for a deposit (something like PayPal, Amazon, Venmo) that's different from my main account. This could come in handy.

Not sure if all prepaid debit cards have that - this is my first.

Hmmm, wonder if you could make outgoing ACH transfers from the card using those numbers...

Hmmm, wonder if you could make outgoing ACH transfers from the card using those numbers...

Very interesting thought. I don't really have a great way to test that unfortunately, but I'll think about it. I suppose PayPal could be attempted . . .

One more data point that WF loading posts as a sale on Chase CCs.

Hmmm, wonder if you could make outgoing ACH transfers from the card using those numbers...

Unfortunately that doesn't work. Acts lke it will. The back and forth pennies handshakes complete successfully but as soon as you initiate an ACH transaction, it fails at the recipient end with NSF. Went back and reread T&C and it says card initiatiated ACH are not allowed. This same thing happens with Amex pp. surprisingly NS works really well but you have to change cards every couple of months

surprisingly NS works really well but you have to change cards every couple of months

Pretty sure that's what got me shut down at NS.

Pretty sure that's what got me shut down at NS.Bingo!

Unfortunately that doesn't work. Acts lke it will. The back and forth pennies handshakes complete successfully but as soon as you initiate an ACH transaction, it fails at the recipient end with NSF. Went back and reread T&C and it says card initiatiated ACH are not allowed. This same thing happens with Amex pp. surprisingly NS works really well but you have to change cards every couple of months

what is 'NS"?

Netspend. Search this forum and read comments about it on frequentmiler blog before jumping into the deep end of the pool

Don't burn bridges with Chase, people. Not worth it. Their cards allow bank deposits via credit card to be classified as purchases unlike other banks and they have some of the best card offers. Shortsighted gold rushes often don't end well.:cool:

Dave, this post does not have the word 'Cardinal' in it. Where is my prize?

Netspend. Search this forum and read comments about it on frequentmiler blog before jumping into the deep end of the pool

Just one of his many similar posts. Col. Mustard had more of a C...

Dave, this post does not have the word 'Cardinal' in it. Where is my prize?

Associated words linked to the Cards.
Robin Red Breast
Red Birds
St.Louis boys
Arizona wannabees
No more Denny Greens
Holy Rollers
Bishop to Queens 4
Pontif
Pope mobile
Puffing the white smoke
red suits
pointy hats

They are all watching you ... yah you know who it's you :p:D

Dave, this post does not have the word 'Cardinal' in it. Where is my prize?Cardinal's only work for Amex. The rest are just wanabee's.

Deleted.

Anyone used Ink Bold to fund WF prepaid card? I was told that it being a charge card, it does not have a cash advance limit, so I am wondering if it would work at all if initially WF/Chase is treating the funding as cash advance and then changing it to a charge.

Thanks.

Only one way to know... try it and report back!

The application asks for SS number, will there be HARD PULL?

can this be loaded with vanilla reload pack?
thanks

The application asks for SS number, will there be HARD PULL?

can this be loaded with vanilla reload pack?
thanks

No and No.
Here is what it says, "Request a card today - no bank account or credit check is required. ¹"

Loaded $2500 2 weeks ago, Tried to load another $2500 yesterday from same card worked fine first time and got message "Maximum number of reloads reached". Thought it was $2500/day and $5k/per card max. Anyone know of any other limits that I am hitting here?

Loaded $2500 2 weeks ago, Tried to load another $2500 yesterday from same card worked fine first time and got message "Maximum number of reloads reached". Thought it was $2500/day and $5k/per card max. Anyone know of any other limits that I am hitting here?

Look at monthly limits....

Look at monthly limits....

Appreciate the reply. I have been told it is $5k/rolling 30 day period.
But I am running into something else as I have only loaded $2500 in total so far and when I tried to load an add'l $2490 so as to remain under the $5k max value per card it gave me the "max # of loads" message.

All I can find in the T&C is this:
"The maximum value that may be loaded onto the Card is $2,500.00 per load, per day. Please note that we may limit the amount of funds that you are able to load on your Card and the number of times you may load funds to your Card within a period of time."
So I can only guess they are limiting me on some lesser maximum?

Appreciate the reply. I have been told it is $5k/rolling 30 day period.
But I am running into something else as I have only loaded $2500 in total so far and when I tried to load an add'l $2490 so as to remain under the $5k max value per card it gave me the "max # of loads" message.

All I can find in the T&C is this:
"The maximum value that may be loaded onto the Card is $2,500.00 per load, per day. Please note that we may limit the amount of funds that you are able to load on your Card and the number of times you may load funds to your Card within a period of time."
So I can only guess they are limiting me on some lesser maximum?

the online app asks me to use VISA or MC to load the WF prepaid card?

if I apply for it online, I have to load it with visa or mc at same time?

if I load it $500, and the card comes with $500 balance, one used, I can load it without applying for new WF prepaid card again?

Can I load it with visa or mc logo gift cards or prepaid cards?

The rolling limits are (as explained to me):

$2,500 in 24 hrs
$3,500 in 15 days
$4,500 in 30 days

So in theory alternating $2,500/2,000 loads every 15-16 days should work. This would explain all of the reload declines stories I have read in this thread thus far.

The rolling limits are (as explained to me):

$2,500 in 24 hrs
$3,500 in 15 days
$4,500 in 30 days

So in theory alternating $2,500/2,000 loads every 15-16 days should work. This would explain all of the reload declines stories I have read in this thread thus far.

Thanks

The rolling limits are (as explained to me):

$2,500 in 24 hrs
$3,500 in 15 days
$4,500 in 30 days

So in theory alternating $2,500/2,000 loads every 15-16 days should work. This would explain all of the reload declines stories I have read in this thread thus far.
Thanks dctech. That would indeed fit my case if correct. Will try $1k in day or so once safely past 15 days and will report back.

The rolling limits are (as explained to me):So nice of you to post someone else’s work. :rolleyes:

So nice of you to post someone else’s work. :rolleyes:

It was explained to ne by a friendly WF rep friend of mine. So I did the digging myself. If someone else (you?) posted it earler than they can have all the credit. I was just tired of seeing everyone bouncing off of the limits and asking why.

As you can see from my post count. I could care less about credit for an idea, and I only post when it seems the group is at a loss, or in this case (for the first time) to defend myself.

It was explained to ne by a friendly WF rep friend of mine. So I did the digging myself. If someone else (you?) posted it earler than they can have all the credit. I was just tired of seeing everyone bouncing off of the limits and asking why.

As you can see from my post count. I could care less about credit for an idea, and I only post when it seems the group is at a loss, or in this case (for the first time) to defend myself.

I wouldn't worry about it. In days gone by, FlyerTalk used to be about sharing this exact kind of information. And some like yourselves - to your credit - try to continue with that spirit. There are others, a band of whom frequent predominantly MilesBuzz!, who a) believe they are the only ones capable of working out all this stuff themselves, b) feel compelled to diss and mock anyone who tries to collaborate and share the info, c) believe that they are highly expert and "this stuff" should not be handled by "newbies" and d) feel they have some divine right to insist everyone keeps this info to "PM", with the automatic assumption that despite the lack of any public contribution to the knowledge base from them, that they somehow deserve to be sent any such info privately. It's an unfortunate state of affairs.

But thank you for sharing the information you found. Helpful to know

But thank you for sharing the information you found. Helpful to know

+1. I'd read the WF T&C, every post here, and searched relevant blog posts and never saw this info posted anywhere else. So thanks again for posting this original info dctech.

+1. I'd read the WF T&C, every post here, and searched relevant blog posts and never saw this info posted anywhere else. So thanks again for posting this original info dctech.

+1.

How long has it been taking for the card to show up in the mail?

It was explained to ne by a friendly WF rep friend of mine. So I did the digging myself.Some members when they give out info via PM will leave out a certain detail or change something just slightly. Your post fit this to a tee. I guess my suspicion was misplaced, sorry.

I'd read the WF T&C, every post here, and searched relevant blog posts and never saw this info posted anywhere else. ...and you see a lot more of this going forward.

a) believe they are the only ones capable of working out all this stuff themselves, b) feel compelled to diss and mock anyone who tries to collaborate and share the info, c) believe that they are highly expert and "this stuff" should not be handled by "newbies" and d) feel they have some divine right to insist everyone keeps this info to "PM", with the automatic assumption that despite the lack of any public contribution to the knowledge base from them, that they somehow deserve to be sent any such info privately. Hey, you forgot "e".
e) all of the above! :p

How long has it been taking for the card to show up in the mail?

Ordered last Wednesday, got here this Tuesday (take into account labor day).

Hey, you forgot "e".
e) all of the above! :p

He didn't forget it. It was a conjunctive list, not disjunctive. :p

How long has it been taking for the card to show up in the mail?

Got mine in about 10 days

He didn't forget it. It was a conjunctive list, not disjunctive. :p

Do I have to learn these words to get the Divine Right ?? :p LOL

OK here is something for yall to mull over. Gold Line as mentioned on Rush Limbaugh and Sean Hannity's shows can be funded FEE FREE with a credit card. Maybe something worth buying LOL

It was explained to ne by a friendly WF rep friend of mine. Since your friend at WF has the inside track can you find out the workaround (that is not posted anywhere) to the 15/30day load limits? I am sure everyone here would greatly appreciate it.

It's buried in the T&C I received with my card yesterday

It's buried in the T&C I received with my card yesterday

The loading schedule is? I'm looking at it right now and not seeing it.

The loading schedule is? I'm looking at it right now and not seeing it.You can have x-ray glasses on and you won’t see it. Can’t see something that is not there.

You can have x-ray glasses on and you won’t see it. Can’t see something that is not there.

That's what I thought

Thanks dctech. That would indeed fit my case if correct. Will try $1k in day or so once safely past 15 days and will report back.
as promised, reporting back on load test. Did $2500 more than 15 days ago, could not load anything up till now; now tried $2400 which did not work, tried $2k with success. dtech's info looks good. Thanks again dtech.

as promised, reporting back on load test. Did $2500 more than 15 days ago, could not load anything up till now; now tried $2400 which did not work, tried $2k with success. dtech's info looks good. Thanks again dtech.

So how much did you load now if it was $2500 more than 15 days ago?

The loading schedule is? I'm looking at it right now and not seeing it.

My error, I was reading the transaction section.

Your order could not be completed. Please try again or change your payment method

just got this trying to load $850 with a WN business Visa. got the funds available on my card. Thoughts?

Do I have to learn these words to get the Divine Right ?? :p LOL

OK here is something for yall to mull over. Gold Line as mentioned on Rush Limbaugh and Sean Hannity's shows can be funded FEE FREE with a credit card. Maybe something worth buying LOL

Rush Limbaugh? :rolleyes: Just one of his many rants....... Col. Mustard had more of a C...

Rush Limbaugh? :rolleyes: Just one of his many rants....... Col. Mustard had more of a C...

Seriously do you have to repeat stolen props and can't think of any of your own? I don't mind so much you stealing my stuff but to try to pass it off as your own is not only another Face Palm but technically a violtation of T and C's in many areas.
I bet you had to google what Col Mustard even meant after you got all the Double Face Palms on Threads.

Remember McCoy talking to the Ten Tribes and what he said in Friday's Child on Star Trek:

"What the Klingon has said is unimportant, and we do not hear his words."
- McCoy, calling Kras a liar to Akaar

nfs - if you're concerned perhaps a pm to them would engage a more fruitful discussion?

btw - i've noticed that most grocery stores let me type in 200 for cashback. tomorrow i'll shoot for more and keep you posted

I've never done cash-back with a debit card.

Is that coded differently as a transaction? That is, can WF tell I got cash back or do they just see the whole thing as one larger purchase?

I've never done cash-back with a debit card.

Is that coded differently as a transaction? That is, can WF tell I got cash back or do they just see the whole thing as one larger purchase?

all 1 purchase

I've never done cash-back with a debit card.

Is that coded differently as a transaction? That is, can WF tell I got cash back or do they just see the whole thing as one larger purchase?

Time to start buying your grapes one at a time!:-:

btw - i've noticed that most grocery stores let me type in 200 for cashback. tomorrow i'll shoot for more and keep you posted

Has anyone done this before? Is the cash back at a grocery store just added to your bill as a purchase or is it a cash advance? I foresee myself having trouble spending what's required on some of these credit cards. :(

Has anyone done this before? Is the cash back at a grocery store just added to your bill as a purchase or is it a cash advance? I foresee myself having trouble spending what's required on some of these credit cards. :(

http://www.flyertalk.com/forum/19276894-post171.html

I purchased a pack of gum and got cash back at two different stores. The transaction info at Wells Fargo says "Purchase of Goods or Services."

Seriously do you have to repeat stolen props and can't think of any of your own? I don't mind so much you stealing my stuff but to try to pass it off as your own is not only another Face Palm but technically a violtation of T and C's in many areas.
I bet you had to google what Col Mustard even meant after you got all the Double Face Palms on Threads.

Remember McCoy talking to the Ten Tribes and what he said in Friday's Child on Star Trek:

"What the Klingon has said is unimportant, and we do not hear his words."
- McCoy, calling Kras a liar to Akaar

http://www.urbandictionary.com/define.php?term=Colonel%20Mustard

I had to google it. I guess I was clueless too.

http://www.urbandictionary.com/define.php?term=Colonel%20Mustard

I had to google it. I guess I was clueless too.

You are not clueless in fact far more informed than I am on this, I thought the only Col. Mustard was the guy on the Clue Board Game.

Those things you found are well not how I use mustard ;):D

Thanks for the best laugh I have had today ^

Your order could not be completed. Please try again or change your payment method

just got this trying to load $850 with a WN business Visa. got the funds available on my card. Thoughts?

Same thing happened with me. Did you get an explanation? Very frustrating....

Same thing happened with me. Did you get an explanation? Very frustrating....

What is WN biz visa ...... what does WN stand for????

What is WN biz visa ...... what does WN stand for????

Southwest IATA code.

What is WN biz visa ...... what does WN stand for????

WN is the code for Southwest Airlines. Chase issues the WN cards.

Southwest IATA code.

Thanks, why would they use SW when WN was available LOL

SW was already taken way, way back when.:p

Thanks, why would they use SW when WN was available LOL

It was explained to ne by a friendly WF rep friend of mine. So I did the digging myself.

Since your friend at WF has the inside track can you find out the workaround (that is not posted anywhere) to the 15/30day load limits? I am sure everyone here would greatly appreciate it.Just a friendly bump in case you missed it. I would not want someone to get the wrong impression.

I have no idea how to beat the limits. I haven't really looked into it either.

To me this is just a min. spend/threshhold spend meeting tool. With the load and cash out fees I don't feel like I'm "printing" miles like I do buying beans at OD. Seeing as how you can fund as many WF cards as you have frends and family willing to let you bororrow their SSN, I think my needs will be met @ 4500/mo/acct.

P.S.

Don't fund multiple accts with the same CC number.

I have no idea how to beat the limits. I haven't really looked into it either.

To me this is just a min. spend/threshhold spend meeting tool. With the load and cash out fees I don't feel like I'm "printing" miles like I do buying beans at OD.I understand you have no idea. I just thought you could help out the community with your claimed connection at WF. Wouldn’t it be easier to meet all your spending requirements with just one WF card instead of opening multiple accounts?

What is this “beans at OD” stuff? You did the spoon feeding with WF and now we are back to code? Seems to be the MO (modus operandi not money order) for many here.

Surpassing the limits of the WF would sure be nice however the limits arent *that* bad. I just wish you could use Amex or heck, even citi for that matter.

whoops, nvm

P.S. Don't fund multiple accts with the same CC number.

TRUE! Tried to fund my wife's WF card with my credit card and I got the "max number of loads" error message. Now, the WF website won't let me load it with any of our cards - hers or mine! I haven't called them yet to try to resolve this.

TRUE! Tried to fund my wife's WF card with my credit card and I got the "max number of loads" error message. Now, the WF website won't let me load it with any of our cards - hers or mine! I haven't called them yet to try to resolve this.

We got those max reload messages prinited in red then they froze both or our cards and after a week closed them.

We got those max reload messages prinited in red then they froze both or our cards and after a week closed them.

Was this also because of a "cross-pollination?"

Loaded yesterday, did an ATM run today. Might just do other cash-out methods between ATM runs to keep it looking legit. This is a great way to build my threshold spending.

Was this also because of a "cross-pollination?"

Loaded yesterday, did an ATM run today. Might just do other cash-out methods between ATM runs to keep it looking legit. This is a great way to build my threshold spending.

It supports pin-debit. I'll let you figure out the rest.

It supports pin-debit. I'll let you figure out the rest.

Time to buy some very expensive milk and bread.

I get the ideas of the PPC but if I use my credit card to load fund to PPC is it consider cash advance for my credit card?

I get the ideas of the PPC but if I use my credit card to load fund to PPC is it consider cash advance for my credit card?

Welcome to FT, much of the relevant information for this is in post #1.

Has anyone tried this with the US Bank credit card? I have to spend 2500 on the promotion for the Olympics, would be sweet if this was not a cash-advance :)

Deleted..

Has anyone tried this with the US Bank credit card? I have to spend 2500 on the promotion for the Olympics, would be sweet if this was not a cash-advance :)

I was wondering the same thing. Please PM me if anyone can confirm.

SG

Was this also because of a "cross-pollination?"

Loaded yesterday, did an ATM run today. Might just do other cash-out methods between ATM runs to keep it looking legit. This is a great way to build my threshold spending.

No did nothing weird, seriously and I have gold credit.
They escalated a form but I am mystified cuz I have a bunch of money in there bank and go there daily. Never ever even bounced a check

I think it was because of funding with certain CC's and yes I used the main bank and even tried to switch funding sources 3 times on each account.

So be careful this may be the next NS,,,, I really hope not but you heard it hear and I don't like that we will call you in 3-5 business day .....

Oh and to be more specific to your reply to those that can't read between the lines, NO I did not try to fund with the same card or a card from the other person

So be careful this may be the next NS,,,, Hoping it is. This way it will keep out the riff-raff.:p

will there be 2 ATM fees with this card at non WF ATMs? $2.50 by WF & $3 or so by chase or citi, whichever non WF atm you use?

Withdrawal limit is $500 per transaction?

No ATM fee at All Points ATM machines ? I was charged $3 fee when I used amex prepaid card at All points atm.

I'm going to hold off from loading any funds in GW until my verification goes through; maybe we will hear something more definitive about their intentions as regards refunds.
What is the max daily load for someone that's been verified?

I'm going to hold off from loading any funds in GW until my verification goes through; maybe we will hear something more definitive about their intentions as regards refunds.
What is the max daily load for someone that's been verified?

Maybe you meant this to be in the " Getting spending up without the Mint" thread?

Is it posible to pay estimated taxe with this WF card? I know there is a small fee if you pay with debit card, but I don't mind paying it.

Maybe you meant this to be in the " Getting spending up without the Mint" thread?

Yes, that's where I meant to post it. My bad.

"Your order could not be completed. Please try again or change your payment method."

Anyone??

"Your order could not be completed. Please try again or change your payment method."

Anyone??

Context?

Completed an order today, will report back with findings

Context?

filled out the online order form, hit submit, got the message. Tried again, lowering the amount. got message again... :confused:

i withdrew $500 today at WF ATM. tried again and didn't work. I realized that it is $500 max limit a day. Then I had to go ship a package at USPS and used the same card. Tried MONEY ORDER and didn't work. went grocery shipping and cash back option says limit reached or something.

says limit reached or something.

That's weird. I definitely did ATM withdrawal + cb on the same day

That's weird. I definitely did ATM withdrawal + cb on the same day


wonder why! I had more than enough in balance!

filled out the online order form, hit submit, got the message. Tried again, lowering the amount. got message again... :confused:

What were you trying to buy it with?

filled out the online order form, hit submit, got the message. Tried again, lowering the amount. got message again... :confused:

Does it fit within the rolling limits? Can you try with another type of card to see which side is denying?

What were you trying to buy it with?

chase visa for $2400

chase visa for $2400

I am getting this message as well, when trying to buy the card for the first time with a chase visa. perhaps chase has stopped allowing this to be purchase?

I am getting this message as well, when trying to buy the card for the first time with a chase visa. perhaps chase has stopped allowing this to be purchase?

I just completed a purchase yesterday afternoon using a CV with no problem albeit with a lower amount (1k) to meet a minimum spend.

Anybody did a successful load with META VISA/MC ?

i withdrew $500 today at WF ATM. tried again and didn't work. I realized that it is $500 max limit a day. Then I had to go ship a package at USPS and used the same card. Tried MONEY ORDER and didn't work. went grocery shipping and cash back option says limit reached or something.

I've had a similar problem/experience. I took 5 bills out of wf atm and then tried for cb. No dice for any amount.

Wait-a-sec - to the Cardinals we are all just riff-raff! Some just a bit more riff-rafty than others.:D

Hoping it is. This way it will keep out the riff-raff.:p

I gotta jump in this game as WF just nicked me $5 when buying Euros today because I wasn't doing business with them. OK, time to give WF the business.:D

Tried purchasing new card & load with SP visa ... Denied for diff amt frm 1k to 2.xk ... Mc works ...

Man, did I feel like a n00b getting my $100 cashback at the grocery store. But happy, nonetheless.

Kinda convenient too. Except that I had to split my purchase and buy my last item separately to get the most bang out of the deal.

is there a max limit on how much you can do money order? costs just couple of bucks right? just deposit the money order at the bank branch?

is there a max limit on how much you can do money order? costs just couple of bucks right? just deposit the money order at the bank branch?

Sounds like $1000 - pricing is here:

https://www.usps.com/shop/money-orders.htm

I think the bigger issue is getting shut down.

Sounds like $1000 - pricing is here:

https://www.usps.com/shop/money-orders.htm

I think the bigger issue is getting shut down.
thanks.

Keep in mind card limit is $600/transaction

Edit: nvm, online limit ^

Keep in mind card limit is $600/transaction
$600 is online purchase limit?

$600 is online purchase limit?

Oh ...

That said, I've tried to keep the amount on my transactions fairly low ... would rather keep this train going by not attracting fraud monitoring

"Your order could not be completed. Please try again or change your payment method."

Anyone??

I had been getting a similar response when trying to load my card and called Chase to find out what the issue was. I was told that my transaction attempts (i thought it was a WF site issue, so I attempted this a few times) were denied because they exceeded my cash advance limit.

I then remembered reading Chase initially posts these transactions a cash advance but then shortly convert to purchases, so I lowered my load amounts and all worked out well.

Oh ...

That said, I've tried to keep the amount on my transactions fairly low ... would rather keep this train going by not attracting fraud monitoring

Think lots of grocery store charges at just over $100 are a fraud alert waiting to happen? That's basically my new plan.

Bad news! BofA did not give miles. It posted as a purchase, but no award miles on statement.

Bad news! BofA did not give miles. It posted as a purchase, but no award miles on statement.

nor on my BoH statement. Glad I still have time to make the spend

Anyone tried US Bank card?

Anyone tried US Bank card?

Yes (http://www.flyertalk.com/forum/19206553-post109.html)

nor on my BoH statement. Glad I still have time to make the spend

Same here. Guess I need to do a little research with BofA. Illreport back what I learn

Yes (http://www.flyertalk.com/forum/19206553-post109.html)

Thanks, Amol.

Just confirmed, BofA load now appears as CA on my Alaska CC. At first showed as purchase, but 10 days later showed up as a CA.

Just confirmed, BofA load now appears as CA on my Alaska CC. At first showed as purchase, but 10 days later showed up as a CA.

BofA is definetly following Citis lead on this but only for reward cards. Of course those are the only ones we care about. At some point Chase is sure to follow so exploit where and when you can now, just don't get greedy. You don't need to make your spend in 1 day.

$600 is online purchase limit?

In my experience, the same limit applies to in store purchses. I tried to charge more than $600 twice and did not go through. Then I charged $599 and it went through.

getting the unable to load msg now after only 2 sub $800 dollar attempts. seems like to talk to a live person costs money as well, i'll let this one sit for a few weeks.

In my experience, the same limit applies to in store purchses. I tried to charge more than $600 twice and did not go through. Then I charged $599 and it went through.

I'm experiencing similar limits.

I think ADK woke up in a good mood today as his basic pointers today are the most useful bits of info that have been published in this and the spending threads for quite a long time. Unless you are heading in the same direction as these (http://comparerewards.com/archives/2336)guys.

Do we have a data point on how Cap One processes the loads? Someone mentioned they used Cap One, but didn't say how it was processed or whether they earned Venture points.

Finally got order to go through. Ordered it using my WF debit card with no fee. Will change funding source after I receive it.

ole!

So you are saying that i could not do the usual $990 WalMart Money Order, just a max of $599.40 + the .60 fee?

JudyJFLA - almost back for another miles season


I'm experiencing similar limits.

I think ADK woke up in a good mood today as his basic pointers today are the most useful bits of info that have been published in this and the spending threads for quite a long time. Unless you are heading in the same direction as these (http://comparerewards.com/archives/2336)guys.

So you are saying that i could not do the usual $990 WalMart Money Order, just a max of $599.40 + the .60 fee?

JudyJFLA - almost back for another miles season

I haven't worked out the limit to the nearest cent, but $400 works and $1000 doesn't.

And I think ADK's sage advice applies. Better off doing a few $289.83, $371.05, $221.82, $501.35 etc than $400, $400, $400, $400

So you are saying that i could not do the usual $990 WalMart Money Order, just a max of $599.40 + the .60 fee?

JudyJFLA - almost back for another miles seasonCorrect. Maybe I should start a blog. Would be the first one with correct info! :)

So you are saying that i could not do the usual $990 WalMart Money Order, just a max of $599.40 + the .60 fee?

JudyJFLA - almost back for another miles season

I would think that in either situation going that close to the limit would be a reason for WF to shut you down like NetSpend. Unless you are making alot of larger purchases on both cards too. Both WF and the others know what's up.

I buy them for odd amounts like 287.50 and 312.25 but that is because I want mine to last when others get shutdown. I have to buy them on my SO's card because I finally found out why I kept getting Max Reload Limit reached when I didn't have a current load go thru.

After WF filed an Escalation it took them 2 weeks with my card froze up to tell me that it was because of my spending. Now I am using extra care and going slow to not blow up her card.

Added two non-Wells credit cards as funding cards and used each once to load but so far no load fee charged.

Do they charge end of month or is first load free per funding card as suggested upthread?

I, too, was not charged a load fee...

How long does it take to receive the card after you sign up online?
Will Chase Ink or Sapphire (not preferred) be charged as purchase and not cash advance?
I would like to start with $2k or $2500 for the lst reload.

the max money order amount you can do is $600 including the $1 or $2 fee? Can the money order be purchased at currency exchange?

anyone tried withdrawing cash at WF atm more then twice a month for the fee?

I do use the cad for other purchases too.