FlyerTalk Forums - View Single Post - Suspicious Activity Reports to the IRS when buying or depositing money orders.
Old Jul 4, 2017 | 10:50 am
  #1365  
schrute
 
Join Date: Aug 2015
Posts: 138
Originally Posted by Mamibear
For $1K MO, the odds of SAR filed against you won't be too high, but that is just conjecture on my part.

since you're a noobie, I suggest you go over the new to manufacturer spending thread, read also the past years, there's a lot of information there useful for newbies that you will learn from.

To give you some of the basics:
1. NEVER, ever say you're paying with a GC; when asked, say you're paying with Visa or Mastercard DEBIT. If, by chance they ask to see the card, do NOT switch to a real bank DC to show, the odds that they'll notice is very high and you'll likely be busted and BANNED. Best to show them what you got and if they say it's a GC and it's not allowed, say you didn't know and leave quietly.

2. Best NOT to engage with power tripping personnel if they make their own rules. Just leave quietly and try again when there's a different person working. You do NOT burn bridges with this method but if you make a scene, consider that location toast!

3. Amex prepaids with PIN and GCs do NOT work like debit cards that require a PIN. You can't use them to buy MOs anywhere EXCEPT some rare stores that accept credit card payments for MOs. They are always processed as credit, never debit.

There's a ton of info you need to learn as you go along. Hopefully, you don't burn your bridges too soon when you commit huge mistakes. It's best for you to read a lot and know the ropes, then do small trial purchases ($1K is a huge amount to try for newbies)especially when buying MOs because it's easy to wiggle out of sticky situations with small amounts compared to buying $1K at once doing split transactions where everything can go wrong. IMO, split transactions are reserved for those who have a lot more experience with MS and know a lot of back up methods.

Good luck and Happy 4th!
This wasn't my first time. I usually say debit card and normally there isn't any problems. This branch has problems with everything. I didn't want to get on the train and go to another branch elsewhere and thought I could handle it this time. I'm at the end of my MS anyways, this is the last card I'm doing for a long while. I go not very often, $1K every other week.

Also, it's not like I'm only walking in there for MOs, I do MOs very infrequent, and not common at all. I do other packages and ship items. The guy has seen me before and has interacted before. We've talked before, he's picked up packages. I feel like he was just following some script. He was like I'll let you do it this time.

Last edited by schrute; Jul 4, 2017 at 11:33 am
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