Originally Posted by
isriam
thanks for the info. i've read this thread start to finish and monitored it for months. this is my first tmo but i have options for many more. is the consensus to use reloadit -> tmo -> serve/bb/redcard/etc? I was loading 450-500 to tmo, and bill paying random amounts from 125.24 to 986.10 with only one over 1k. i did at least 23k this way, this month
Well you can't use any kind of debit/gc with redcard anymore. And AFAIK there is no way to directly load from a T-M card to Bluebird either.
If your local WM can still find Checkfree in their systems, using that to directly pay your ccs bills is the best way to go. None of my local WMs can access Checkfree in their systems anymore. But that occurred on a store by store basis, so maybe your local WMs can. You just have to go in and ask "Can I do a BP directly to a bank with Checkfree"?. If the answer is yes, use your T-M card as a debit card to pay directly to the bank. All you need is the # on your cc and your phone number.
Checkfree by the way is NOT MoneyGram, which costs much more and takes a lot of paper work. Some uninformed WM cashiers will think you want to use Money Gram, and will start asking things like how to find your personal account in their system. If they ask that, they are trying to do Money Gram instead of Checkfree.
If Checkfree isn't an option, the only other one I know is to use the WM MC to get MOs, using your T-M card as a debit card. Then just take the MO to the branch of the bank that issued your cc, along with your cc, and have the teller use the MO to pay your bill. Much better than running the MOs thru your checking account for a bunch of reasons.
If you've been reading this thread you know most folks say to keep your individual payments under $1K. I've doing $999 MOs ( plus the $0.70 fee), equally spread out 5 times a month on each of our T-M cards for the last 6 months without a problem. Knock on wood....