Jun 22, 2013, 10:42 am
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).
Sep 1, 2013, 8:10 am
#2281
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 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 fang while you cardinal!"
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 fang while you cardinal!"
Eminem – ‘Berzerk’
Now this crib’s about to kick off, this walmart looks wack
Let’s take it back to straight prepaids and start it from where you scratch
I’m ’bout to bloody this track up, everybody get back
That’s why my pen needs a pad cause signing MOs is like being on the ra-hag
Just like I did with mileage addiction I’m ’bout to kick it
Like I’m a magician I turn cvs into plane tickets
Got ‘em still on the fence ready to pick it
But quick get impaled when I tell ‘em stick it
So sick I’m looking pale, wait that’s my pigment
I’m going ham ya bish, shout out and make Cardinal fang talk
Let’s bring it back to that thing where we are sittin on a beach near Bangcok
The art of the MSing mixed with da Vinci and MS Ren
And I don’t mean Stimpy’s friend,
Been Rites Aid's Public Enemy since you thought PE was gym
Sep 1, 2013, 9:02 am
#2282
Join Date: Feb 2005
Location: So Cal
Programs: UA Gold/0.744MM, WN AL, Hyatt Diamond, MR Scum, Hertz PC, National Exec, Avis PC
Posts: 5,560
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!"
http://www.youtube.com/watch?v=Bzq4YDt7V-o
Sep 2, 2013, 9:37 am
#2283
Join Date: Oct 2003
Location: SF
Programs: /usr/bin
Posts: 1,334
Thanks for the great information in this thread. A couple questions that I've not been able to ascertain from reading much of this thread:
1) When buying money orders: Are they required to be made out to a designated payee? If so, do you just make them out to yourself?
2) With money order in hand, does it require a trip to the bank to deposit into one's account?
3) What's the best option for liquidating GCs that doesn't involve visiting WMs?
1) When buying money orders: Are they required to be made out to a designated payee? If so, do you just make them out to yourself?
2) With money order in hand, does it require a trip to the bank to deposit into one's account?
3) What's the best option for liquidating GCs that doesn't involve visiting WMs?
Sep 2, 2013, 10:41 am
#2284
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
Thanks for the great information in this thread. A couple questions that I've not been able to ascertain from reading much of this thread:
1) When buying money orders: Are they required to be made out to a designated payee? If so, do you just make them out to yourself?
2) With money order in hand, does it require a trip to the bank to deposit into one's account?
3) What's the best option for liquidating GCs that doesn't involve visiting WMs?
1) When buying money orders: Are they required to be made out to a designated payee? If so, do you just make them out to yourself?
2) With money order in hand, does it require a trip to the bank to deposit into one's account?
3) What's the best option for liquidating GCs that doesn't involve visiting WMs?
2. Some folks have been able to deposit them using mobile apps. YMMV.
3. Check out the Amazon Payments thread.
Sep 2, 2013, 7:47 pm
#2285
Join Date: Sep 2013
Posts: 2
Easy BB transfer from Visa VC
No problem with transferring $500. into my BB at WM. Clerk at service desk was happy to help and it went right through. I was a little worried since I hadn't tried the Visa Vanilla Card before. It did cost $4.95 to load $500. maximum but I selected debit card after verifying amount and it was no problem.
Sep 2, 2013, 7:51 pm
#2286
FlyerTalk Evangelist
Join Date: Nov 2002
Location: BOS, MHT
Programs: AA ltg, B6, DL, UA, AS, SPG/Marriott Plt, HH, Hyatt
Posts: 10,052
Never been quite sure why alls yous people are using gcs to load a bb in wmt when, once already there in the store, you can buy mos with them instead. This would double your miles as you can now reserve the bb loads to that brought about by the monthly purchases of vrs
Of course if there are no vrs around thats a reason but i know many here who do it do have them avail
Of course if there are no vrs around thats a reason but i know many here who do it do have them avail
Sep 2, 2013, 9:25 pm
#2287
Join Date: Jan 2012
Programs: DL, WoH
Posts: 1,253
Never been quite sure why alls yous people are using gcs to load a bb in wmt when, once already there in the store, you can buy mos with them instead. This would double your miles as you can now reserve the bb loads to that brought about by the monthly purchases of vrs
Of course if there are no vrs around thats a reason but i know many here who do it do have them avail
Of course if there are no vrs around thats a reason but i know many here who do it do have them avail
Sep 3, 2013, 2:31 am
#2288
FlyerTalk Evangelist
Join Date: Feb 2005
Location: PHX & AGP
Programs: AA Lifetime PLT, Bonvoy Lifetime Titanium, Hilton Gold
Posts: 11,449
Never been quite sure why alls yous people are using gcs to load a bb in wmt when, once already there in the store, you can buy mos with them instead. This would double your miles as you can now reserve the bb loads to that brought about by the monthly purchases of vrs
Of course if there are no vrs around thats a reason but i know many here who do it do have them avail
Of course if there are no vrs around thats a reason but i know many here who do it do have them avail
Sep 3, 2013, 2:32 am
#2289
FlyerTalk Evangelist
Join Date: Feb 2005
Location: PHX & AGP
Programs: AA Lifetime PLT, Bonvoy Lifetime Titanium, Hilton Gold
Posts: 11,449
Someone posted 10K a month through US bank and had his accout closed, it's not worth it to me.
Sep 3, 2013, 8:10 am
#2290
Join Date: Dec 2009
Location: HNL
Programs: UA 1K; Marriott Plat; Hyatt Diamond; CCarlson Elite
Posts: 641
Need some advice: I foolishly bought some US Bank Mastercards, set the PINs and I was not able to use them to buy MOs at WM. Even tho the terminal asked for a PIN and I gave it, the card still seemed to present itself to the cashier as a credit.
I see the detailed instructions in the Wiki at the top of the page. Any other guidance out there?
Sep 3, 2013, 9:03 am
#2291
Suspended
Join Date: Nov 1999
Posts: 24,153
also it helps by deposting into both asavings and checking acct and not paying off the CC the same day. So if ones plan is to deposit into their checking and the same day or the day it clears (if a person bank puts a hold on their deposits)pay off the CC even before its due, yea thats asking for trouble
Sep 3, 2013, 1:18 pm
#2292
Join Date: May 2006
Location: Melbourne, Florida, USA
Posts: 2,983
did they post what their avg daily acct balance was before doing the MOs? I can see problems if a person on avg had say a couple of grand in the acct and then bingo is depositing 10s of 1000s. If however they had an avg high 5 figure bal+, and have a top status with that bank. Then Id think its less likely theyd be shut down
also it helps by deposting into both asavings and checking acct and not paying off the CC the same day. So if ones plan is to deposit into their checking and the same day or the day it clears (if a person bank puts a hold on their deposits)pay off the CC even before its due, yea thats asking for trouble
also it helps by deposting into both asavings and checking acct and not paying off the CC the same day. So if ones plan is to deposit into their checking and the same day or the day it clears (if a person bank puts a hold on their deposits)pay off the CC even before its due, yea thats asking for trouble
Sep 3, 2013, 2:24 pm
#2294
Join Date: May 2013
Posts: 1,153
did they post what their avg daily acct balance was before doing the MOs? I can see problems if a person on avg had say a couple of grand in the acct and then bingo is depositing 10s of 1000s. If however they had an avg high 5 figure bal+, and have a top status with that bank. Then Id think its less likely theyd be shut down
also it helps by deposting into both asavings and checking acct and not paying off the CC the same day. So if ones plan is to deposit into their checking and the same day or the day it clears (if a person bank puts a hold on their deposits)pay off the CC even before its due, yea thats asking for trouble
also it helps by deposting into both asavings and checking acct and not paying off the CC the same day. So if ones plan is to deposit into their checking and the same day or the day it clears (if a person bank puts a hold on their deposits)pay off the CC even before its due, yea thats asking for trouble
