Oct 25, 2013, 11:21 am
Last edit by: JAXBA
Read the wiki before posting a question.
It's a literacy test that's easy to pass.
This is the Serve thread. Post questions or information concerning other topics in the appropriate threads elsewhere in this forum.
For additional information on using prepaid debit cards, see PIN available now for Visa/MC prepaid debit cards.
Mentions of Softcard (formerly ISIS) are purely incidental to setting up and using Serve/Softcard. Softcard does not hold money, and you cannot load to it.
You cannot make an ACH pull from Serve. The direct deposit account and routing numbers are for deposits only.
https://www.serve.com/#/add-cash
If your card doesn't say "debit" on the front, it isn't a debit card.
Loads at 7-11 and CVS are cash only. Debit cards are NOT allowed.
Loads at Walmart have been confirmed with debit cards. Self checkout does not work for loading Serve. Many Walmart stores are enforcing a rule against the use of prepaid debit cards when loading, even though the register and the MCE do not enforce. Do not make your prepaid debit cards visible. Show them a bank debit card if asked, then discreetly use your prepaid card when asked to swipe. Otherwise, you may be asked by management to never visit the MC (Walmart Money Center) again to load.
Debit loading at Family Dollar appears to be limited to $500 per day per store total (not per person or per account). Whoever gets there first gets the load for the day. Troubleshooting loading problems at FD
Normal Serve
You can combine the three methods above and load a total of $7k/month to a single Serve account for miles/points earning purposes, but beware that you're also subject to a $10,000/month add money limit which also includes check deposits, ACH transfers, and Serve transfers.
Serve/Softcard Check if your phone/network is compatible
You can combine the three methods above and load a total of $8k/month to a single Serve account for miles/points earning purposes, but beware that you're also subject to a $10,000/month add money limit which also includes check deposits, ACH transfers, and Serve transfers.
The SD card in the iPhone case used for Softcard is account specific. Once an account has been registered to a card, it cannot be used for another.
Temp Serve
You can only load a maximum of $500/day, $1000/month on a temporary card. Once you get your permanent card, then you can load more. The initial $500 when you purchase the temp card doesn't count against the $5,000/month load limit.
Online Credit Card Loads
Only one card can be linked at a time.
As of 10/09/14, coding of credit card loads changed. In general, Mastercard and American Express cards post as before; see below for information on point earning. Visa cards transact as a cash advance and, therefore, require available CA limit; although most cards post as a purchase.
The Chase Ink Bold is a charge card and has no cash advance ability.
Treated as purchase, earns cashback/points/miles:
Treated as purchase, but doesn't earn points/miles:
Posts as a cash advance:
For online CC/DC loads, the name on the Serve account is supposed to match the name of the primary or joint cardholder. So using someone else's CC/DB card to load a Serve account is not allowed.
Several people have reported no problems with loading with an AU card in the Serve account holder's name. Increase your chances by making sure the AUs social security number is on file with the Credit Card. YMMV.
When adding a new card you will usually need to call Serve Account security (1-800-555-4318) for verification of the new card on the second load try. This verification usually requires uploading of a photo of your ID and the credit card. You may pre-emptively avoid the error by going to the above website, logging in, and uploading a scan of a photo ID and the card you are trying to add. You may call back to expedite approval.
Online Debit Card Loads
For online debit load, only use of bank-issued cards is allowed. The use of pre-paid debit cards (Netspend, Paypower, Univision, Paypal*, etc.) and VGC/MGC/AGCs is not allowed. While initial transactions may work, your account will eventually be flagged.
Switching to Serve or Serve/Softcard
Helpful instruction post, latest. Thanks raeneye.
Also see this thread: Switching from Serve to BlueBird - 31 day wait???
Switching to Serve/Softcard
Switching from BB to Serve
The number to call to approve your registration after closing Bluebird: Serve Account security 1-800-555-4318
Loading with debit card at Walmart register
Loads at register over $500 will sometimes trigger ID requirement. There is a limit of four swipes per transaction; this means your card plus three payments.
Training a WM cashier:
Error Messages:
DEBIT NOT AVAILABLE
Received when I used a card I thought I had activated but hadn't.
DEBIT NOT APPROVED
Received when the card's monthly load limit had been reached.
TENDER NOT ALLOWED
Card was incorrectly read, or wrong PIN entered.
HOST TIMEOUT
Connection problems. The GC may be drained but the transaction should reverse itself, and funds will become available again. Try again later.
Using Serve
For online bill pay
For bank transfers
Under Settings --> Funding & Transfers --> Bank & Cards --> U.S. Bank Account, you can add your bank info and transfer funds from your Serve card directly to your bank. The bank account must be verified, either by the standard "deposit 2 small sums into your account, such as $0.23 & $0.42" method, or doing an "instant verification" by actually logging into your bank account while still logged into Serve.
===
People with an apartment address can find helpful information quoted in post #8530
It's a literacy test that's easy to pass.
This is the Serve thread. Post questions or information concerning other topics in the appropriate threads elsewhere in this forum.
For additional information on using prepaid debit cards, see PIN available now for Visa/MC prepaid debit cards.
Mentions of Softcard (formerly ISIS) are purely incidental to setting up and using Serve/Softcard. Softcard does not hold money, and you cannot load to it.
You cannot make an ACH pull from Serve. The direct deposit account and routing numbers are for deposits only.
https://www.serve.com/#/add-cash
If your card doesn't say "debit" on the front, it isn't a debit card.
Loads at 7-11 and CVS are cash only. Debit cards are NOT allowed.
Loads at Walmart have been confirmed with debit cards. Self checkout does not work for loading Serve. Many Walmart stores are enforcing a rule against the use of prepaid debit cards when loading, even though the register and the MCE do not enforce. Do not make your prepaid debit cards visible. Show them a bank debit card if asked, then discreetly use your prepaid card when asked to swipe. Otherwise, you may be asked by management to never visit the MC (Walmart Money Center) again to load.
Debit loading at Family Dollar appears to be limited to $500 per day per store total (not per person or per account). Whoever gets there first gets the load for the day. Troubleshooting loading problems at FD
Normal Serve
- Serve loading via VR/MP or WM/FD load: $2,500/day and $5,000 total per calendar month
- Online Debit Card Load - $200/day and $1,000/month (NOT a gift card with a PIN that some people call a "Debit card")
- Online Credit Card Load - $200/day and $1,000/month
- Checking/Savings Account - $2,000/month
- Checks - $2,000/day and $10,000/month
- ATM Withdrawals - $750/day and $2,000/month
You can combine the three methods above and load a total of $7k/month to a single Serve account for miles/points earning purposes, but beware that you're also subject to a $10,000/month add money limit which also includes check deposits, ACH transfers, and Serve transfers.
Serve/Softcard Check if your phone/network is compatible
- Serve loading via VR/MP or WM/FD load: $2,500/day and $5,000 total per calendar month
- Online Debit Card Load - $500/day and $1,500/month (NOT a gift card with a PIN that some people call a "Debit card")
- Online Credit Card Load - $500/day and $1,500/month
- Checking/Savings Account - $2,000/month
- Checks - $2,000/day and $10,000/month
- ATM Withdrawals - $750/day and $2,000/month
You can combine the three methods above and load a total of $8k/month to a single Serve account for miles/points earning purposes, but beware that you're also subject to a $10,000/month add money limit which also includes check deposits, ACH transfers, and Serve transfers.
The SD card in the iPhone case used for Softcard is account specific. Once an account has been registered to a card, it cannot be used for another.
Temp Serve
You can only load a maximum of $500/day, $1000/month on a temporary card. Once you get your permanent card, then you can load more. The initial $500 when you purchase the temp card doesn't count against the $5,000/month load limit.
Online Credit Card Loads
Only one card can be linked at a time.
As of 10/09/14, coding of credit card loads changed. In general, Mastercard and American Express cards post as before; see below for information on point earning. Visa cards transact as a cash advance and, therefore, require available CA limit; although most cards post as a purchase.
The Chase Ink Bold is a charge card and has no cash advance ability.
Treated as purchase, earns cashback/points/miles:
- Bank of America (FIA) (MasterCard, American Express)
- Barclaycard (Mastercard, Visa)
- Capital One (Mastercard, Visa)
- Chase (MasterCard, Visa)
- Citi (MasterCard, American Express)
- Discover
Treated as purchase, but doesn't earn points/miles:
- American Express (May count toward minimum spend)
Posts as a cash advance:
For online CC/DC loads, the name on the Serve account is supposed to match the name of the primary or joint cardholder. So using someone else's CC/DB card to load a Serve account is not allowed.
Several people have reported no problems with loading with an AU card in the Serve account holder's name. Increase your chances by making sure the AUs social security number is on file with the Credit Card. YMMV.
When adding a new card you will usually need to call Serve Account security (1-800-555-4318) for verification of the new card on the second load try. This verification usually requires uploading of a photo of your ID and the credit card. You may pre-emptively avoid the error by going to the above website, logging in, and uploading a scan of a photo ID and the card you are trying to add. You may call back to expedite approval.
Online Debit Card Loads
For online debit load, only use of bank-issued cards is allowed. The use of pre-paid debit cards (Netspend, Paypower, Univision, Paypal*, etc.) and VGC/MGC/AGCs is not allowed. While initial transactions may work, your account will eventually be flagged.
Switching to Serve or Serve/Softcard
Helpful instruction post, latest. Thanks raeneye.
Also see this thread: Switching from Serve to BlueBird - 31 day wait???
Switching to Serve/Softcard
- Call up Bluebird or Serve and close account. Make sure your account is at $0.00 before calling. Just close it, don't ask for a temp Serve or anything. CSR will say account is now closed and you have 30 days to change your mind should you decide to re-open it.
- Download the Softcard mobile app from Apple App Store or Google Play Store. If you're an iPhone user you have to buy the NFC CashWrap case from your carrier store.
- Launch Softcard Mobile App and create Softcard account. You'll be asked if you want to open a Serve account; Yes you do. Start the registration through Softcard mobile app for a Serve account, once you are finished you will be told you will receive an Email from Amex with your account approval. I waited a few hours and called Serve customer service like the wiki says and completed the registration.
- Once I got off the phone with Serve I received an email from Serve where I verified my account and email; at this point Amex Serve is open.
- Launch Softcard Mobile app again click add new
- Activate card with Softcard and select Amex Serve. Follow the instructions & you're good to add. Once this is complete a Serve Card will populate in Softcard. Must activate physical card to get full load limits. Check account status and it automatically credits to your serve account based on who you signed up with. (Verizon - $25, T-Mobile - $50, AT&T - $30 (For AT&T: Get $15 w/activation. Earn additional $15 w/account replenishment))
Switching from BB to Serve
- Login to BB account, bring account balance to Zero, (By Bill Pay, Send money, etc..)
- Call BB, tell them that you want to open a serve account and close your current BB account. after they check everything they will say something like: "Your account will be permanently closed after 31 days, you can reopen it within 31 day if you change your mind, and you can apply for your new Serve account now, just make sure use the exact same register info from BB."
- at this point BB is closed. next morning, goto CVS and get a temporary Serve card (only with cash), load $500, ($2.95 waived, Yeah!!)
- get back home, register temporary Serve online, First error: "phone number already registered, please try a different number" could be the my BB's ghost account still showing up on their system, could be my info is not match my BB's registration? i'm not really sure at this point. What I did is keep the same number but change from Cell phone to home phone. and registration went through
- after the register and login, second error: "We're still processing your application. Please check your email for an update"
- I have see people on the thread reported waiting for weeks for the same message, So, I pickup the phone and called them, ask them to speed up the process.
- CSR, told me that my account went to "account security protection department" transfer me to them.
- at account security protection department, they told me need to call back on my phone number which I registered to verify.
- after the call back of verification, CSR told me that my new Serve account is active now, email address verification will be send with in 5 minutes, permanent card will be received within 7-10 days.
- CSR also told me the I can load and spend on the temporary card, but not bill pay.
The number to call to approve your registration after closing Bluebird: Serve Account security 1-800-555-4318
Loading with debit card at Walmart register
Loads at register over $500 will sometimes trigger ID requirement. There is a limit of four swipes per transaction; this means your card plus three payments.
Training a WM cashier:
- If the WM cashier doesn't know how to load the card, advise them to enter "70" then press "action code".
- If you are using a temp card that doesn't have your name on it, you can swipe the card from your side of the terminal. The WM rep never has to touch any of your cards. The screen will say "enter account." That is your prompt to slide the card.
- The terminal will ask the WM employee if you are loading in multiples of $2000. Advise them to enter "no."
- Avoid saying gift card. Always refer to your card as a debit card.
Error Messages:
DEBIT NOT AVAILABLE
Received when I used a card I thought I had activated but hadn't.
DEBIT NOT APPROVED
Received when the card's monthly load limit had been reached.
TENDER NOT ALLOWED
Card was incorrectly read, or wrong PIN entered.
HOST TIMEOUT
Connection problems. The GC may be drained but the transaction should reverse itself, and funds will become available again. Try again later.
Using Serve
For online bill pay
- You can pay the credit card that you used to buy VRs/GCs
- Error 1302 means that you have 1 pending payment the same amount as the one you just submitted. For example, 1000 bill pay to sapphire preferred from Friday and then on Saturday you submit another bill pay for 1000 to sapphire preferred, you will get this error.
- Tip: if using online bill pay to the same place multiple times, vary your amounts by $0.01 to make it easier to track since your confirmation number does not match the tracking number on your credit card statement
For bank transfers
Under Settings --> Funding & Transfers --> Bank & Cards --> U.S. Bank Account, you can add your bank info and transfer funds from your Serve card directly to your bank. The bank account must be verified, either by the standard "deposit 2 small sums into your account, such as $0.23 & $0.42" method, or doing an "instant verification" by actually logging into your bank account while still logged into Serve.
===
People with an apartment address can find helpful information quoted in post #8530
Serve - Another Paypal/Amazon Payments.
Jun 25, 2014, 1:26 pm
#4681
Join Date: May 2013
Location: Sacramento, CA
Posts: 374
I wish you'd posted that before I tried it. Now my VGC is all chewed up and the bank is going to bill me for breaking the ATM.
Jun 25, 2014, 1:41 pm
#4682
Join Date: Jul 2011
Posts: 218
I know he was sarcastic but didn't expect it from a helpful member as he is.
Jun 25, 2014, 1:50 pm
#4683
Suspended
Join Date: Jun 2011
Posts: 639
I am a 3 yr rookie, spent 100s of hours reading and pming and booking and I am just a piker compared to the little big hitters much less than the whales, but I paid my dues and every puke that comes in here from Bowtieland should do the same.
Off my soapbox now, apologies.
Jun 25, 2014, 1:52 pm
#4684
Join Date: Oct 2011
Location: North Carolina
Posts: 613
I am helpful but really, if you want to come into these forums you either do your reading, make your own mistakes and become a helpful member to others, or you should get roundly beaten, tarred and feathered.
I am a 3 yr rookie, spent 100s of hours reading and pming and booking and I am just a piker compared to the little big hitters much less than the whales, but I paid my dues and every puke that comes in here from Bowtieland should do the same.
Off my soapbox now, apologies.
I am a 3 yr rookie, spent 100s of hours reading and pming and booking and I am just a piker compared to the little big hitters much less than the whales, but I paid my dues and every puke that comes in here from Bowtieland should do the same.
Off my soapbox now, apologies.
Jun 25, 2014, 2:05 pm
#4685
Join Date: Apr 2014
Posts: 40
This is going to be very YMMV and I probably shouldn't share it but I will anyway. There is a drug store that I used to call green walls as a kid with a possible loophole for a bland flavored no need to go to WM product. At 2 locations I have been able to successfully purchase these while filling a script at the drive thru. I simply asked the pharmacist if they sold them, she said yes, went and got me one (there were no other cars behind me) and processed the whole thing with my script. Maybe the drive thru POS is different, not sure. Give it a try if you've got a legit script to fill or if you live in a state that sells alcohol at a drive thru (Illinois comes to mind). Haven't tried buying more than one at a time, just testing the waters at this point.
This is in the serve thread because I immediately loaded them to Serve, and to hide from prying eyes as best as possible.
This is in the serve thread because I immediately loaded them to Serve, and to hide from prying eyes as best as possible.
Jun 25, 2014, 3:33 pm
#4686
Join Date: Oct 2013
Location: WAS
Programs: SPG Plat. Marriott Plat. Hilton Diamond. Hyatt Diamond. IHG Plat.
Posts: 2,580
Serve is a little slow at their notification....
Jun 25, 2014, 4:41 pm
#4687
Used to be garyjr316
Join Date: Feb 2011
Location: LAX or SBA
Programs: AAdvantage, MileagePlus, Gold Passport, Hilton HHonors, Marriott
Posts: 800
Jun 25, 2014, 8:40 pm
#4689
Join Date: May 2011
Location: NYC
Programs: UA 1K, AS MVP Gold, TK *Gold, HHonors Gold, SPG Plat, Marriott Plat, Hyatt Diamond
Posts: 570
Got my Serve ISIS up and running today. As has been reported, was able to do this all in a few hours. No need to wait 30 days or so.
iPhone ATT customer and got a $15 signup bonus in my serve.
- Tried a test load of $255 with my Citi Exec. Went through, no issues.
- Tried a 2nd load of $245 to get to $500, ERROR.
- Tried $229, ($500-$255-$15-aDollarToBeSafe), ERROR.
- Tried $100 ERROR
- Tried $15, went through
- Tried $25, went through
- Tried $90, went through
- Tried $100, ERROR
- Tried $85, ERROR
- Tried $34, ERROR
- Tried, $25, went through
- Tried, $25 ERROR
Maybe it's already too late, but I stopped at this point to avoid too many ERROR's and get prying eyes looking at my account. I thought the max load on a temp card was $500. What am I missing that's already been covered on this thread?
ERROR= "That transaction will cause you to exceed your daily limit."
iPhone ATT customer and got a $15 signup bonus in my serve.
- Tried a test load of $255 with my Citi Exec. Went through, no issues.
- Tried a 2nd load of $245 to get to $500, ERROR.
- Tried $229, ($500-$255-$15-aDollarToBeSafe), ERROR.
- Tried $100 ERROR
- Tried $15, went through
- Tried $25, went through
- Tried $90, went through
- Tried $100, ERROR
- Tried $85, ERROR
- Tried $34, ERROR
- Tried, $25, went through
- Tried, $25 ERROR
Maybe it's already too late, but I stopped at this point to avoid too many ERROR's and get prying eyes looking at my account. I thought the max load on a temp card was $500. What am I missing that's already been covered on this thread?
ERROR= "That transaction will cause you to exceed your daily limit."
Jun 25, 2014, 9:38 pm
#4690
Join Date: May 2010
Programs: Marriott Platinum, Hyatt Diamond, SPG Gold, HH Diamond
Posts: 174
Maybe it's already too late, but I stopped at this point to avoid too many ERROR's and get prying eyes looking at my account. I thought the max load on a temp card was $500. What am I missing that's already been covered on this thread?
ERROR= "That transaction will cause you to exceed your daily limit."
ERROR= "That transaction will cause you to exceed your daily limit."
Also covered in the wiki, which should be deleted because no one reads it anyways:
"When adding a new card you will usually need to call in for verification of the new card on the second load try."
Jun 26, 2014, 4:10 am
#4691
Join Date: May 2013
Posts: 747
So, I know this will probably get some hate but just looking for clarification. I need to add an SPG AU card to my new Serve account. I realize that yes, AmEx cards don't generate points from Serve, but I need to juice my fiancees spending so it's worthwhile to me. I know theres been previous listings that AU cards have some issues with Serve all together, but not sure if that is only for a particular bank/card type.
Has anyone tried and been successful adding an SPG AU card, since they do take the SSN of the AU/unique card #/etc etc.
Has anyone tried and been successful adding an SPG AU card, since they do take the SSN of the AU/unique card #/etc etc.
Jun 26, 2014, 6:24 am
#4692
Join Date: Apr 2014
Location: MDT
Programs: DL, AA
Posts: 390
So, I know this will probably get some hate but just looking for clarification. I need to add an SPG AU card to my new Serve account. I realize that yes, AmEx cards don't generate points from Serve, but I need to juice my fiancees spending so it's worthwhile to me. I know theres been previous listings that AU cards have some issues with Serve all together, but not sure if that is only for a particular bank/card type.
Has anyone tried and been successful adding an SPG AU card, since they do take the SSN of the AU/unique card #/etc etc.
Has anyone tried and been successful adding an SPG AU card, since they do take the SSN of the AU/unique card #/etc etc.
Jun 26, 2014, 10:19 am
#4693
Join Date: Aug 2006
Posts: 756
Please, we were all noobs once.
1. Buy Michaels gift cards online thru a portal, say about $10,000 or your spend requirement.
2. Take the $10k in gc to Michaels store and buy 20 VGC x $500 ea.
3. Take vgc to bank and deposit into ATM machine 20 at a time by inserting into check deposit slot.
1. Buy Michaels gift cards online thru a portal, say about $10,000 or your spend requirement.
2. Take the $10k in gc to Michaels store and buy 20 VGC x $500 ea.
3. Take vgc to bank and deposit into ATM machine 20 at a time by inserting into check deposit slot.
I think some posts are uncalled for as many will follow the bad advice given from more experienced posters.
I've just been following up on this and don't think the OP intended to have a debate or false advice. he seems to need just a little guidance and good advice.
From what I read, He is trying to figure out if he should get an Amex card (dont think he has the card yet as Post #4652 said he is planning on getting one but needs advice on spending as this is a charge card which limits his options. He seems to just ask for PM options.
I've followed some of his post and they have been very helpful to many others. He even answered many PMs from my family members so he is indeed very helpful member of this community. Hope we don't chase away good members just for asking for advice which we all need at some point in the future.
I usually help when I can and PM when I can as I'm also a noobie when it comes to other topics and hope someday others will return the favor. Just remember that some newbies maybe experts on other topics.
Cheers to all.
Last edited by sharka; Jun 26, 2014 at 10:33 am
Jun 26, 2014, 11:18 am
#4694
Join Date: May 2011
Location: NYC
Programs: UA 1K, AS MVP Gold, TK *Gold, HHonors Gold, SPG Plat, Marriott Plat, Hyatt Diamond
Posts: 570
Quite a bit of misinformation in the wiki so not quite sure what to believe. For eg.
- wait 30-31 days before applying for serve
- daily limit of $200 for Serve ISIS
- I didn’t call Serve to approve my registration. All done via email.
- regarding the verification for CC on 2nd try, I was able to do more than 2 loads. Verifying the CC might still be answer but certainly not conclusive from the wiki.
The wiki is helpful but incorrect information doesn't help. Is there a protocol to updating these wiki's? ie. can anyone update? I was also pretty annoyed at the Buxx wiki that says US Bank applications are not accepted when there is a link or thr. It's one thing to not spell out detailed steps but posting misinformation doesn't sound right to me.
- wait 30-31 days before applying for serve
- daily limit of $200 for Serve ISIS
- I didn’t call Serve to approve my registration. All done via email.
- regarding the verification for CC on 2nd try, I was able to do more than 2 loads. Verifying the CC might still be answer but certainly not conclusive from the wiki.
The wiki is helpful but incorrect information doesn't help. Is there a protocol to updating these wiki's? ie. can anyone update? I was also pretty annoyed at the Buxx wiki that says US Bank applications are not accepted when there is a link or thr. It's one thing to not spell out detailed steps but posting misinformation doesn't sound right to me.
As with pretty much every question asked, covered several times... When you add a CC or DC to load serve, the first load may be processed, maybe even the second. But after a while, you'll get errors until you call in and they verify that your CC/DC actually belongs to you. It's a quick and painless call.
Also covered in the wiki, which should be deleted because no one reads it anyways:
"When adding a new card you will usually need to call in for verification of the new card on the second load try."
Also covered in the wiki, which should be deleted because no one reads it anyways:
"When adding a new card you will usually need to call in for verification of the new card on the second load try."
Jun 26, 2014, 11:25 am
#4695
Join Date: Oct 2013
Location: WAS
Programs: SPG Plat. Marriott Plat. Hilton Diamond. Hyatt Diamond. IHG Plat.
Posts: 2,580
Quite a bit of misinformation in the wiki so not quite sure what to believe. For eg.
- wait 30-31 days before applying for serve
- daily limit of $200 for Serve ISIS
- I didn’t call Serve to approve my registration. All done via email.
- regarding the verification for CC on 2nd try, I was able to do more than 2 loads. Verifying the CC might still be answer but certainly not conclusive from the wiki.
The wiki is helpful but incorrect information doesn't help. Is there a protocol to updating these wiki's? ie. can anyone update? I was also pretty annoyed at the Buxx wiki that says US Bank applications are not accepted when there is a link or thr. It's one thing to not spell out detailed steps but posting misinformation doesn't sound right to me.
- wait 30-31 days before applying for serve
- daily limit of $200 for Serve ISIS
- I didn’t call Serve to approve my registration. All done via email.
- regarding the verification for CC on 2nd try, I was able to do more than 2 loads. Verifying the CC might still be answer but certainly not conclusive from the wiki.
The wiki is helpful but incorrect information doesn't help. Is there a protocol to updating these wiki's? ie. can anyone update? I was also pretty annoyed at the Buxx wiki that says US Bank applications are not accepted when there is a link or thr. It's one thing to not spell out detailed steps but posting misinformation doesn't sound right to me.