Last edit by: ChrisFlyer66
There is a new thread for 2017: http://www.flyertalk.com/forum/manufactured-spending/1819569-pin-available-now-visa-mc-prepaid-debit-cards-2017-a.html
Federal Reserve interpretation of Dodd-Frank financial reform regulations has resulted in Visa/MC gift cards getting PINs as of April 1, 2013.
Setting PINS
At Walmat, many MCs default to credit(and fail) and require pressing a button to change the payment type to debit. Here are the workarounds:
Old POS systems (monochrome black on green terminals and replacement color terminals):
1a. Screen shows "Insert or Swipe Card Quickly" with "Espanol" button in lower right (note if your screen blinks)
1b. Swipe card
1c. Screen shows "Waiting for cashier..." with with working animation in lower center and "Cancel" button in lower right
2. Press "Cancel" on the screen or red button on pad (if your screen blinks, do not hit button until after blink)
3. Press "ATM/DEBIT" from upper left
4. Press "No Cash Back"
5a. Enter PIN
5b. Screen shows "Waiting for cashier..."
6. Cashier hits blue (not green) Debit button on their side.
New POS systems (color terminal):
1. Swipe GC
2. Press "Change Payment" on screen (Yellow button on pad should also work, but screen works better for some. Timing is critical.)
3. Press "DEBIT"
4. Press "No Cash Back"
5. Enter PIN - Screen showing another 'Waiting for cashier...'.
6. Ask Cashier to hit blue color Debit button on the screen
When splitting transactions among multiple cards at a Walmart register, make sure to have the cashier hit the debit button on their physical keypad. If they hit the debit button on the touchscreen, it will not work. If your transaction got declined, try having the cashier hit 'Debit' using the physical keypad on the right of the screen.
As of 6/19/2014, Walmart rejects Debit attempts above $49.99 on all cards issued by InComm/ITC Financial Services, namely all Vanilla VISA and OneVanilla. There is no workaround.
Error Messages
DEBIT NOT AVAILABLE
Not enough funds available to cover whatever amount was typed in, or most likely NOT typed in.
DEBIT NOT APPROVED
Received when the card's monthly load limit had been reached.
HOST TIMEOUT
Connection problems. The GC may be drained but the transaction should reverse itself, and funds will become available again.
Federal Reserve interpretation of Dodd-Frank financial reform regulations has resulted in Visa/MC gift cards getting PINs as of April 1, 2013.
Setting PINS
- MetaBank VISA or Sunrise VISA -use the last four digits of the card number (or to set personal PIN call 888-524-1283)
- US Bank VISA and Mastercard - Newer cards come with a PIN printed on cardstock inside the package. To set/reset PIN, call 866-952-5653. One person reports: VISA that has pre-set PIN locks PIN on first use if not previously reset; always call to set PIN before use. If you forget to reset the pin and you can't unload the funds to your BB, call the toll free # and ask rep. to "reset" the card and they will do some magic and you should then be able to unload the funds at WM.
- Vanilla VISA and OneVanilla(not MyVanilla, etc) - selection of 4 digits on the first transaction becomes the PIN
At Walmat, many MCs default to credit(and fail) and require pressing a button to change the payment type to debit. Here are the workarounds:
Old POS systems (monochrome black on green terminals and replacement color terminals):
1a. Screen shows "Insert or Swipe Card Quickly" with "Espanol" button in lower right (note if your screen blinks)
1b. Swipe card
1c. Screen shows "Waiting for cashier..." with with working animation in lower center and "Cancel" button in lower right
2. Press "Cancel" on the screen or red button on pad (if your screen blinks, do not hit button until after blink)
3. Press "ATM/DEBIT" from upper left
4. Press "No Cash Back"
5a. Enter PIN
5b. Screen shows "Waiting for cashier..."
6. Cashier hits blue (not green) Debit button on their side.
New POS systems (color terminal):
1. Swipe GC
2. Press "Change Payment" on screen (Yellow button on pad should also work, but screen works better for some. Timing is critical.)
3. Press "DEBIT"
4. Press "No Cash Back"
5. Enter PIN - Screen showing another 'Waiting for cashier...'.
6. Ask Cashier to hit blue color Debit button on the screen
When splitting transactions among multiple cards at a Walmart register, make sure to have the cashier hit the debit button on their physical keypad. If they hit the debit button on the touchscreen, it will not work. If your transaction got declined, try having the cashier hit 'Debit' using the physical keypad on the right of the screen.
As of 6/19/2014, Walmart rejects Debit attempts above $49.99 on all cards issued by InComm/ITC Financial Services, namely all Vanilla VISA and OneVanilla. There is no workaround.
Error Messages
DEBIT NOT AVAILABLE
Not enough funds available to cover whatever amount was typed in, or most likely NOT typed in.
DEBIT NOT APPROVED
Received when the card's monthly load limit had been reached.
HOST TIMEOUT
Connection problems. The GC may be drained but the transaction should reverse itself, and funds will become available again.
PIN available now for Visa/MC prepaid debit cards(2013-2016).
#2266
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
I attempted to load 2 us bank gcs today. The first went through, but the second one said something about unable to complete debit transaction. The supervisor cancelled the transaction.
I called and changed the pin again and then wen to a different register. I was able to load the second card that didn't work before. The first one now has a zero balance, but doesn't show up in my BB. How long does it take for the funds to make it back to my card?
I called and changed the pin again and then wen to a different register. I was able to load the second card that didn't work before. The first one now has a zero balance, but doesn't show up in my BB. How long does it take for the funds to make it back to my card?
#2267
Join Date: Aug 2004
Location: Seattle
Programs: United Airlines Premier, Starwood Gold Preferred Guest, Hyatt Gold Passport, Club Carlson Gold
Posts: 356
I attempted to load 2 us bank gcs today. The first went through, but the second one said something about unable to complete debit transaction. The supervisor cancelled the transaction.
I called and changed the pin again and then wen to a different register. I was able to load the second card that didn't work before. The first one now has a zero balance, but doesn't show up in my BB. How long does it take for the funds to make it back to my card?
I called and changed the pin again and then wen to a different register. I was able to load the second card that didn't work before. The first one now has a zero balance, but doesn't show up in my BB. How long does it take for the funds to make it back to my card?
#2268
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
#2269
FlyerTalk Evangelist
Join Date: Nov 2002
Location: BOS, MHT
Programs: AA ltg, B6, DL, UA, AS, SPG/Marriott Plt, HH, Hyatt
Posts: 10,052
I am proposing we rename GCs to LQs. Here's why:
Gc is like grand cayman
Cayman rhymes with raymond
Raymond was Dustin Hoffman from Rainman
He said Lots of Queens
LQ
My other idea was to call gcs Caimans which is a Brazillian animal alot like a racoon
But I think LQs may work better...
"Yeah today I liquidated 8 $500 lqs at wmt in split transactions... That will earn me alot of typ and cb..."
Gc is like grand cayman
Cayman rhymes with raymond
Raymond was Dustin Hoffman from Rainman
He said Lots of Queens
LQ
My other idea was to call gcs Caimans which is a Brazillian animal alot like a racoon
But I think LQs may work better...
"Yeah today I liquidated 8 $500 lqs at wmt in split transactions... That will earn me alot of typ and cb..."
#2271
FlyerTalk Evangelist
Join Date: Nov 2002
Location: BOS, MHT
Programs: AA ltg, B6, DL, UA, AS, SPG/Marriott Plt, HH, Hyatt
Posts: 10,052
Ok you do what you want
Im saying LQs
Lol
Im saying LQs
Lol
#2272
Join Date: Nov 2009
Posts: 1,059
I've noticed that whenever I buy $500 GC at Kroger, they ask for my ID and enter something into the system. Does anyone know what information Kroger is recording?
#2277
FlyerTalk Evangelist
Join Date: Feb 2005
Location: PHX & AGP
Programs: AA Lifetime PLT, Bonvoy Lifetime Titanium, Hilton Gold
Posts: 11,453
How many have you bought? They have been doing this for a while, this is not new, since this is hard wired in their system, to get your DL#. Just like at CVS wen buying Visa GC.... Nothing new.
#2278
FlyerTalk Evangelist
Join Date: Feb 2005
Location: PHX & AGP
Programs: AA Lifetime PLT, Bonvoy Lifetime Titanium, Hilton Gold
Posts: 11,453
#2279
Join Date: Oct 2012
Posts: 208
I'm don't want to call anything Latin Queens. Sounds gang related to me.
I look at GCs and I'm happy. Maybe we get tricky and call it CGs. That would throw any Fangs off the trail. They could never figure the complex coding out. Heck, I don't even know if ADK could figure it out, and he is a master at this stuff. Then again, if you do the GCs with a soft 'g', then it could be called juicies. When I was in the Army, I used to go to juicy bars, where lots of money was being spent on things better left unspoken. There you have it, call 'em juicies, or CGs. Either way, the fang is confused...
I look at GCs and I'm happy. Maybe we get tricky and call it CGs. That would throw any Fangs off the trail. They could never figure the complex coding out. Heck, I don't even know if ADK could figure it out, and he is a master at this stuff. Then again, if you do the GCs with a soft 'g', then it could be called juicies. When I was in the Army, I used to go to juicy bars, where lots of money was being spent on things better left unspoken. There you have it, call 'em juicies, or CGs. Either way, the fang is confused...
#2280
Join Date: Feb 2013
Posts: 801
I say we refer to all means and methods of spend as Cardinals and Fangs. They'll be so confused they won't know what to do. To wit: "today I unloaded 15 cardinals that i cardinaled at the cardinal store that allows you to Fang your cardinal. It was cardinal-errific."
Or, if you're rap and TV sensation Xzibit: "Yo Dawg! I heard you like cardinal, so I put fang in your cardinal so you can cardinal while you fang!"
Or, if you're rap and TV sensation Xzibit: "Yo Dawg! I heard you like cardinal, so I put fang in your cardinal so you can cardinal while you fang!"