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.
Aug 20, 2014, 4:13 pm
#6196
Join Date: Dec 2013
Posts: 3,509
I just think it was a weird situation today so I was trying to ask the community if they have had situations like this loading at FD.
Last edited by ericdabbs; Aug 20, 2014 at 4:24 pm
Aug 20, 2014, 4:32 pm
#6197
Join Date: May 2014
Posts: 527
Well, for sure they can't take it out of the account if it's not in there.
Aug 20, 2014, 5:00 pm
#6198
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,767
Not loading BB or Serve, but buying MOs...
This was what happened to me when buying MOs while the Moneygram was not working.
The cashier did not know the Moneygram was not working - she just reported to her shift - nor I noticed there was a hand-written sign on one side of the CS counter (the CS area had 4 counters, one at each side to form a rectangular and the cashiers worked inside the rectangular on 2 sides or 2 counters.)
And I was using a miles-earning debit card linked to a checking account. After I swiped my card, entered the PIN, and "approved", no money order was printed because the system basically was down... Not out of paper, just down. The cashier finally saw the sign and panicked. She called the manager who did not even bother to show up, just told the cashier to refund me CASH. I ended up with the cash of the money debited from my checking account. They would not give me my receipt but agreed to make a photocopy of it upon my insistence.
Money eventually was taken out from my bank account some 2 weeks later.
Similar thing had happened to a friend in a different part of the country thousands miles away. Eventually the money was also taken out from his bank account 3 weeks later.
This Monday I was buying MOs with the TD card, the transaction was hung up because one register was down - according to the cashiers, whenever one of the two registers went down, the Moneygram would not print regardless you were at the working register. Why they still processed the purchase was beyond me if they already knew this hiccup?
Anyway, when the other register finally rebooted, the register handled the MO purchased, promptly REVERSED the MO purchases, showing a Refund of the amount, supposedly in Cash. HOWEVER, the supervisor told the cashier to just redo the whole transaction and this time, use Cash as a payment form so to give me the MOs. Cashier was skeptical but the supervisor assured her it was the way to take care of the discrepancy in her drawer which already got the money.
Upon checking my TD online, I saw NO sign of the hiccup - it simply drained the amount of the MO.
My guess is you would see the OV pending turned to finalized transaction and the Serve keeps the money.
The cashier did not know the Moneygram was not working - she just reported to her shift - nor I noticed there was a hand-written sign on one side of the CS counter (the CS area had 4 counters, one at each side to form a rectangular and the cashiers worked inside the rectangular on 2 sides or 2 counters.)
And I was using a miles-earning debit card linked to a checking account. After I swiped my card, entered the PIN, and "approved", no money order was printed because the system basically was down... Not out of paper, just down. The cashier finally saw the sign and panicked. She called the manager who did not even bother to show up, just told the cashier to refund me CASH. I ended up with the cash of the money debited from my checking account. They would not give me my receipt but agreed to make a photocopy of it upon my insistence.
Money eventually was taken out from my bank account some 2 weeks later.
Similar thing had happened to a friend in a different part of the country thousands miles away. Eventually the money was also taken out from his bank account 3 weeks later.
This Monday I was buying MOs with the TD card, the transaction was hung up because one register was down - according to the cashiers, whenever one of the two registers went down, the Moneygram would not print regardless you were at the working register. Why they still processed the purchase was beyond me if they already knew this hiccup?
Anyway, when the other register finally rebooted, the register handled the MO purchased, promptly REVERSED the MO purchases, showing a Refund of the amount, supposedly in Cash. HOWEVER, the supervisor told the cashier to just redo the whole transaction and this time, use Cash as a payment form so to give me the MOs. Cashier was skeptical but the supervisor assured her it was the way to take care of the discrepancy in her drawer which already got the money.
Upon checking my TD online, I saw NO sign of the hiccup - it simply drained the amount of the MO.
My guess is you would see the OV pending turned to finalized transaction and the Serve keeps the money.
Last edited by Happy; Aug 20, 2014 at 5:06 pm
Aug 20, 2014, 5:24 pm
#6199
Join Date: Dec 2013
Posts: 3,509
This was what happened to me when buying MOs while the Moneygram was not working.
The cashier did not know the Moneygram was not working - she just reported to her shift - nor I noticed there was a hand-written sign on one side of the CS counter (the CS area had 4 counters, one at each side to form a rectangular and the cashiers worked inside the rectangular on 2 sides or 2 counters.)
And I was using a miles-earning debit card linked to a checking account. After I swiped my card, entered the PIN, and "approved", no money order was printed because the system basically was down... Not out of paper, just down. The cashier finally saw the sign and panicked. She called the manager who did not even bother to show up, just told the cashier to refund me CASH. I ended up with the cash of the money debited from my checking account. They would not give me my receipt but agreed to make a photocopy of it upon my insistence.
Money eventually was taken out from my bank account some 2 weeks later.
Similar thing had happened to a friend in a different part of the country thousands miles away. Eventually the money was also taken out from his bank account 3 weeks later.
This Monday I was buying MOs with the TD card, the transaction was hung up because one register was down - according to the cashiers, whenever one of the two registers went down, the Moneygram would not print regardless you were at the working register. Why they still processed the purchase was beyond me if they already knew this hiccup?
Anyway, when the other register finally rebooted, the register handled the MO purchased, promptly REVERSED the MO purchases, showing a Refund of the amount, supposedly in Cash. HOWEVER, the supervisor told the cashier to just redo the whole transaction and this time, use Cash as a payment form so to give me the MOs. Cashier was skeptical but the supervisor assured her it was the way to take care of the discrepancy in her drawer which already got the money.
Upon checking my TD online, I saw NO sign of the hiccup - it simply drained the amount of the MO.
My guess is you would see the OV pending turned to finalized transaction and the Serve keeps the money.
The cashier did not know the Moneygram was not working - she just reported to her shift - nor I noticed there was a hand-written sign on one side of the CS counter (the CS area had 4 counters, one at each side to form a rectangular and the cashiers worked inside the rectangular on 2 sides or 2 counters.)
And I was using a miles-earning debit card linked to a checking account. After I swiped my card, entered the PIN, and "approved", no money order was printed because the system basically was down... Not out of paper, just down. The cashier finally saw the sign and panicked. She called the manager who did not even bother to show up, just told the cashier to refund me CASH. I ended up with the cash of the money debited from my checking account. They would not give me my receipt but agreed to make a photocopy of it upon my insistence.
Money eventually was taken out from my bank account some 2 weeks later.
Similar thing had happened to a friend in a different part of the country thousands miles away. Eventually the money was also taken out from his bank account 3 weeks later.
This Monday I was buying MOs with the TD card, the transaction was hung up because one register was down - according to the cashiers, whenever one of the two registers went down, the Moneygram would not print regardless you were at the working register. Why they still processed the purchase was beyond me if they already knew this hiccup?
Anyway, when the other register finally rebooted, the register handled the MO purchased, promptly REVERSED the MO purchases, showing a Refund of the amount, supposedly in Cash. HOWEVER, the supervisor told the cashier to just redo the whole transaction and this time, use Cash as a payment form so to give me the MOs. Cashier was skeptical but the supervisor assured her it was the way to take care of the discrepancy in her drawer which already got the money.
Upon checking my TD online, I saw NO sign of the hiccup - it simply drained the amount of the MO.
My guess is you would see the OV pending turned to finalized transaction and the Serve keeps the money.
Aug 20, 2014, 8:58 pm
#6200
Join Date: Jun 2011
Location: PEK
Programs: SPG Plat, A3 *A Gold, HH Gold, IHG Plat
Posts: 392
What are the risks of Serve?
What does AmEx consider abuse of Serve?
Under what situations do Serve accounts get shutdown?
Is there any chance of Serve abuse impacting AmEx credit cards, for example a dreaded FR?
Is it really as simple as linking a CC online, loading money onto the card and then sending that money to the same email associated with the Serve account, or does this need to be more subtle?
Under what situations do Serve accounts get shutdown?
Is there any chance of Serve abuse impacting AmEx credit cards, for example a dreaded FR?
Is it really as simple as linking a CC online, loading money onto the card and then sending that money to the same email associated with the Serve account, or does this need to be more subtle?
Aug 21, 2014, 12:55 am
#6201
Join Date: May 2014
Posts: 168
Will Serve shut you down for making ATM withdrawals?
I rarely make ATM withdrawals since I just use the bill pay but I was trying to make a CC payment today and it shows the delivery date as Monday the 25th.
My statement for the card I'm trying to pay cuts on 24th and I wanted the payment to post so the card will report a 0 balance so I want to withdraw the funds and deposit in my checking so I can get the payment posted tomorrow on my CC. It's $1400 so I would need to make 2 withdrawals for $700 each on consecutive days after just doing a load of $1500 today. Will that cause me any problems with Serve?
I rarely make ATM withdrawals since I just use the bill pay but I was trying to make a CC payment today and it shows the delivery date as Monday the 25th.
My statement for the card I'm trying to pay cuts on 24th and I wanted the payment to post so the card will report a 0 balance so I want to withdraw the funds and deposit in my checking so I can get the payment posted tomorrow on my CC. It's $1400 so I would need to make 2 withdrawals for $700 each on consecutive days after just doing a load of $1500 today. Will that cause me any problems with Serve?
Aug 21, 2014, 1:05 am
#6202
Join Date: Dec 2013
Posts: 3,509
Will Serve shut you down for making ATM withdrawals?
I rarely make ATM withdrawals since I just use the bill pay but I was trying to make a CC payment today and it shows the delivery date as Monday the 25th.
My statement for the card I'm trying to pay cuts on 24th and I wanted the payment to post so the card will report a 0 balance so I want to withdraw the funds and deposit in my checking so I can get the payment posted tomorrow on my CC. It's $1400 so I would need to make 2 withdrawals for $700 each on consecutive days after just doing a load of $1500 today. Will that cause me any problems with Serve?
I rarely make ATM withdrawals since I just use the bill pay but I was trying to make a CC payment today and it shows the delivery date as Monday the 25th.
My statement for the card I'm trying to pay cuts on 24th and I wanted the payment to post so the card will report a 0 balance so I want to withdraw the funds and deposit in my checking so I can get the payment posted tomorrow on my CC. It's $1400 so I would need to make 2 withdrawals for $700 each on consecutive days after just doing a load of $1500 today. Will that cause me any problems with Serve?
Either way in MS the funds in your Serve card won't ever cover your entire CC bill due to Misc. spending plus GC fees. Not sure why you are stressing so much about it.
Aug 21, 2014, 1:07 am
#6203
Join Date: Aug 2014
Posts: 394
Yes, as I said, it seems to be a barclays problem, I was just wondering if anyone else was having this issue and how they resolved it.
The CVS issue seems to be a normal fraud alert. The other two I can't figure out - they say they're approved, but both merchants say they're not. And other people are having serve problems too...so...
The CVS issue seems to be a normal fraud alert. The other two I can't figure out - they say they're approved, but both merchants say they're not. And other people are having serve problems too...so...
Aug 21, 2014, 1:14 am
#6204
Join Date: May 2014
Posts: 168
You obviously didn't factor in that weekends don't count as business days so you should have given yourself a few more days of buffer. It takes about 2 business days for your Serve funds to hit your CC account for BP. Since you are just trying to do a transaction now this late in the evening, it counts as if it you were issuing the transaction tomorrow on Thu, 8/21 which means 2 business days later is Mon, 8/25. You can try the ATM withdrawal method to withdraw the cash if you want but if reporting a zero balance is that important to you, then you should just front the money out of your checking account and use the $1500 in Serve funds to pay off another bill. Next time don't wait until the very last minute to do BP with your Serve card because it typically takes 2 business days.
Either way in MS the funds in your Serve card won't ever cover your entire CC bill due to Misc. spending plus GC fees. Not sure why you are stressing so much about it.
Either way in MS the funds in your Serve card won't ever cover your entire CC bill due to Misc. spending plus GC fees. Not sure why you are stressing so much about it.
Aug 21, 2014, 1:15 am
#6205
Join Date: Aug 2014
Posts: 394
Linked my Arrival+ last night, it errored out on the load attempt. Then got the card locked email today. Sent the pictures requested and just loaded money from the Arrival+ now after the review was completed. Money is in the account now.
However despite being an ISIS serve account the online account shows CC limited to $200/day-$1000/month, is this normal?
However despite being an ISIS serve account the online account shows CC limited to $200/day-$1000/month, is this normal?
Aug 21, 2014, 4:10 am
#6206
Join Date: Feb 2012
Posts: 396
Thanks for the reply. I'm not stressing over it, if a balance reports it's not a big deal. I'm fairly new to MS and I've recently ramped it up a bit so I have a large amount of money sitting in as of yet unliquidated GC. I've been trying to avoid having to many cards report a balance so I was just wondering if making ATM withdrawals on Serve is a bad idea.
Aug 21, 2014, 5:45 am
#6207
Join Date: Jul 2014
Posts: 3,688
Will Serve shut you down for making ATM withdrawals?Not necessarily. It is one of the features there, so unless a client's activity is limited to load with CC and immediately w/d, that'll probably cause them to shutdown the account; otherwise, if you're just doing ocassional w/d, I don't think so.
I rarely make ATM withdrawals since I just use the bill pay but I was trying to make a CC payment today and it shows the delivery date as Monday the 25th.
My statement for the card I'm trying to pay cuts on 24th and I wanted the payment to post so the card will report a 0 balance so I want to withdraw the funds and deposit in my checking so I can get the payment posted tomorrow on my CC. It's $1400 so I would need to make 2 withdrawals for $700 each on consecutive days after just doing a load of $1500 today. Will that cause me any problems with Serve? I don't think so.
I rarely make ATM withdrawals since I just use the bill pay but I was trying to make a CC payment today and it shows the delivery date as Monday the 25th.
My statement for the card I'm trying to pay cuts on 24th and I wanted the payment to post so the card will report a 0 balance so I want to withdraw the funds and deposit in my checking so I can get the payment posted tomorrow on my CC. It's $1400 so I would need to make 2 withdrawals for $700 each on consecutive days after just doing a load of $1500 today. Will that cause me any problems with Serve? I don't think so.
Do you have a checking account linked to your CC account? You can w/d money from your Serve and deposit it to your C/A and initiate ACH payment. When I make ACH payments, it posts in 24 to 48 hrs. Then, you'll be assured your CC balance is paid before your statement cuts on the 24th.
Aug 21, 2014, 5:51 am
#6208
Join Date: May 2014
Posts: 193
Its not the same product, but I have a AFT which is another Amex prepaid. It doesn't have a bill pay function, so I withdraw entirely by ATM, $400 at a time. So does most every MSer with the card. Never had a problem. Cash payment at the branch is my preferred way to pay Wells Fargo, since they free up your credit limit immediately. When I do normal BP they don't release the CL for almost a week after it posts.
Aug 21, 2014, 6:27 am
#6209
Join Date: Jul 2014
Posts: 197
I've never had a BlackBird (BB) account. Only other thing could be that my phone is rooted and somehow they got wind of that. I've gotten no where with Amex GC department as to why my purchases are continually declined. I had the same Amex GC denial issue about a year ago. I gave up and let the account sit for a while, before trying again about six months later and it started working again till recently.
Aug 21, 2014, 7:08 am
#6210
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,375
Have you checked your OV online to see what's going on? You said you called in but that might not give you all the info. From reading your story, it keeps looking like the transaction went through when the cashier came over and tried to cancel it.