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.
Sep 11, 2014, 12:03 am
#6556
Join Date: Dec 2013
Posts: 3,499
Mamibear, first I want to say Thanks! You've jumped in and answered a few of my questions in the past and I really appreciate it.
I definitely have a Serve_Softcard account (when I signed up it was ISIS). I signed up via the app and even received a $25 credit to my Serve account. After initially getting the physical card, I kept getting error messages trying to add my Arrival card as a funding source on the Serve website. Fast-forward a month and a half (I was busy going on vacations and getting engaged), I finally called Serve today to get them to add my Arrival. The CSR successfully added the card. However, after she set it up I was looking at the website and it mentioned the $200/day_$1k/month load limits. When I inquired with the CSR she told me "you have to load using a credit card via ISIS (softcard) to be able to load $500". This seemed inaccurate to me.
My main question is, despite what the Serve website/CSR says am I able to load $500/day_$1.5k/month via the Serve website?
My guess is that the Serve website isn't smart enough to recognize that I have softcard and hence is telling me the $1k/month limits. Really was just looking for verification that this is true. I'm going to try loading $500 tomorrow via the Serve website, so I guess I'll figure it out on my own. But if I'm not able to load $500 tomorrow via the Serve website, I was hoping to figure out how I go about doing it.
I definitely have a Serve_Softcard account (when I signed up it was ISIS). I signed up via the app and even received a $25 credit to my Serve account. After initially getting the physical card, I kept getting error messages trying to add my Arrival card as a funding source on the Serve website. Fast-forward a month and a half (I was busy going on vacations and getting engaged), I finally called Serve today to get them to add my Arrival. The CSR successfully added the card. However, after she set it up I was looking at the website and it mentioned the $200/day_$1k/month load limits. When I inquired with the CSR she told me "you have to load using a credit card via ISIS (softcard) to be able to load $500". This seemed inaccurate to me.
My main question is, despite what the Serve website/CSR says am I able to load $500/day_$1.5k/month via the Serve website?
My guess is that the Serve website isn't smart enough to recognize that I have softcard and hence is telling me the $1k/month limits. Really was just looking for verification that this is true. I'm going to try loading $500 tomorrow via the Serve website, so I guess I'll figure it out on my own. But if I'm not able to load $500 tomorrow via the Serve website, I was hoping to figure out how I go about doing it.
Sep 11, 2014, 1:30 am
#6557
Join Date: Sep 2014
Posts: 10
Hi Everyone!
I'm new to the whole credit card miles thing, but recently decided to try and take advantage of it. My first 2 cards are: Chase Sapphire Preferred and Barclay Arrival Plus.
I was hoping to use these to pay off my student loans (which seems like a rather involved process in itself since they don't accept credit cards as payments), and I think Serve might be a good bet to do it.
Now, I've tried to understand as much as I can from several posts on here, as well as the main wiki above. Just to make sure I'm understanding this correctly:
1) Get a Serve account (in my case the standard one)
2) Upload money from my credit card online to Serve (according to the wiki, both Chase and Barclay treat this as a purchase, so I don't have to worry about it coming up as a cash advance and this will get points).
3) I only plan on paying a max of $1000 per month, so I can upload a max of $200 a day for 5 days to get to my limit
4) I'm not entirely sure, but I think I can use the Bill Pay option from Serve to then pay my student loans directly, OR I can use something like Evolve to pay them (correct?)
5) That should be it!
Hopefully I have it down right and haven't overlooked anything...would appreciate some feedback! If I'm wrong, I'll gladly run through everything again (just hoping to understand and get it all going as soon as possible for my next payment in a few weeks!)
Cheers
I'm new to the whole credit card miles thing, but recently decided to try and take advantage of it. My first 2 cards are: Chase Sapphire Preferred and Barclay Arrival Plus.
I was hoping to use these to pay off my student loans (which seems like a rather involved process in itself since they don't accept credit cards as payments), and I think Serve might be a good bet to do it.
Now, I've tried to understand as much as I can from several posts on here, as well as the main wiki above. Just to make sure I'm understanding this correctly:
1) Get a Serve account (in my case the standard one)
2) Upload money from my credit card online to Serve (according to the wiki, both Chase and Barclay treat this as a purchase, so I don't have to worry about it coming up as a cash advance and this will get points).
3) I only plan on paying a max of $1000 per month, so I can upload a max of $200 a day for 5 days to get to my limit
4) I'm not entirely sure, but I think I can use the Bill Pay option from Serve to then pay my student loans directly, OR I can use something like Evolve to pay them (correct?)
5) That should be it!
Hopefully I have it down right and haven't overlooked anything...would appreciate some feedback! If I'm wrong, I'll gladly run through everything again (just hoping to understand and get it all going as soon as possible for my next payment in a few weeks!)
Cheers
Sep 11, 2014, 5:23 am
#6558
Join Date: Jul 2014
Posts: 427
Stupid (maybe) followup question about Isis:
Once I sign up my wife via the mobile wallet app for Serve Isis, and the physical card is registered, does the association between her phone and the physical card have to remain active in order to continue using the physical card, and in order to have the $500/$1500 limit?
If not, could I then use her phone to register myself a Serve Isis card and also get a higher limit?
Once I sign up my wife via the mobile wallet app for Serve Isis, and the physical card is registered, does the association between her phone and the physical card have to remain active in order to continue using the physical card, and in order to have the $500/$1500 limit?
If not, could I then use her phone to register myself a Serve Isis card and also get a higher limit?
Sep 11, 2014, 7:11 am
#6559
Join Date: Aug 2013
Posts: 29
Hi Everyone!
I'm new to the whole credit card miles thing, but recently decided to try and take advantage of it. My first 2 cards are: Chase Sapphire Preferred and Barclay Arrival Plus.
I was hoping to use these to pay off my student loans (which seems like a rather involved process in itself since they don't accept credit cards as payments), and I think Serve might be a good bet to do it.
Now, I've tried to understand as much as I can from several posts on here, as well as the main wiki above. Just to make sure I'm understanding this correctly:
1) Get a Serve account (in my case the standard one)
2) Upload money from my credit card online to Serve (according to the wiki, both Chase and Barclay treat this as a purchase, so I don't have to worry about it coming up as a cash advance and this will get points).
3) I only plan on paying a max of $1000 per month, so I can upload a max of $200 a day for 5 days to get to my limit
4) I'm not entirely sure, but I think I can use the Bill Pay option from Serve to then pay my student loans directly, OR I can use something like Evolve to pay them (correct?)
5) That should be it!
Hopefully I have it down right and haven't overlooked anything...would appreciate some feedback! If I'm wrong, I'll gladly run through everything again (just hoping to understand and get it all going as soon as possible for my next payment in a few weeks!)
Cheers
I'm new to the whole credit card miles thing, but recently decided to try and take advantage of it. My first 2 cards are: Chase Sapphire Preferred and Barclay Arrival Plus.
I was hoping to use these to pay off my student loans (which seems like a rather involved process in itself since they don't accept credit cards as payments), and I think Serve might be a good bet to do it.
Now, I've tried to understand as much as I can from several posts on here, as well as the main wiki above. Just to make sure I'm understanding this correctly:
1) Get a Serve account (in my case the standard one)
2) Upload money from my credit card online to Serve (according to the wiki, both Chase and Barclay treat this as a purchase, so I don't have to worry about it coming up as a cash advance and this will get points).
3) I only plan on paying a max of $1000 per month, so I can upload a max of $200 a day for 5 days to get to my limit
4) I'm not entirely sure, but I think I can use the Bill Pay option from Serve to then pay my student loans directly, OR I can use something like Evolve to pay them (correct?)
5) That should be it!
Hopefully I have it down right and haven't overlooked anything...would appreciate some feedback! If I'm wrong, I'll gladly run through everything again (just hoping to understand and get it all going as soon as possible for my next payment in a few weeks!)
Cheers
But if you're really slick, you will buy a VGC at your local drug store, use those with evolve to pay $500 per month (the new max). Then use Serve to load and then bill pay $1000. Then transfer $1000 per month, in a triangle pattern, with amazon pay (only for the next 2 months, party ends on 10/13/14). Might as well utilize all the easy tools while you can as they will likely disappear like all the tools that have come before them.
Sep 11, 2014, 7:25 am
#6560
Join Date: Aug 2013
Posts: 29
Has anyone heard any rumors on whether Softcard will be rolling out an app for the Iphone 6? With the built in NFC ability it seems like a natural way for them to increase their customer base by several million. Of course it is in direct competition with Applepay, but then again, Google maps was in competition with Apple maps and clearly won. I would love to be able to upgrade to Serve with Softcard without buying a Softcard case.
Sep 11, 2014, 7:27 am
#6561
Join Date: Aug 2014
Posts: 11
I just asked them to setup the account for me over the phone and this was their solution. It's worth a try. YMMV
Sep 11, 2014, 7:57 am
#6562
Join Date: Apr 2007
Posts: 1,857
Is it just me, or is Softcard just a terrible name? I get what they were going for, but it's just not working for me.
Sep 11, 2014, 8:11 am
#6563
Join Date: May 2011
Programs: US Airways Gold, Marriott Platinum, SW A List
Posts: 1,575
Sep 11, 2014, 9:56 am
#6564
Suspended
Join Date: May 2014
Location: ILG/PHL
Programs: Amex Plat, AA Gold, SPG Gold, Hyatt Gold, HHonors Gold, Carlson Gold
Posts: 1,075
Sep 11, 2014, 9:59 am
#6565
Suspended
Join Date: May 2014
Location: ILG/PHL
Programs: Amex Plat, AA Gold, SPG Gold, Hyatt Gold, HHonors Gold, Carlson Gold
Posts: 1,075
Has anyone heard any rumors on whether Softcard will be rolling out an app for the Iphone 6? With the built in NFC ability it seems like a natural way for them to increase their customer base by several million. Of course it is in direct competition with Applepay, but then again, Google maps was in competition with Apple maps and clearly won. I would love to be able to upgrade to Serve with Softcard without buying a Softcard case.
I'd disagree with your maps comparison though. With the exception Google having built in public transit data, I find Apple's maps to be superior.
Sep 11, 2014, 11:30 am
#6566
Join Date: Sep 2014
Posts: 2
I've browsed through this thread and read the Wiki. Please pardon my ignorance, but I have a few clarification questions. I realize this is a miles & points focused thread, but I really don't travel very much. I'm more interested in cashback opportunities.
I have a high limit on my Discover card, set to auto-pay through ACH _from_ my checking account.
1) Can I load say $1,000 to Serve, then PUSH to my checking account via ACH?
2) I have 1% cash back on purchases, verified loads clear as purchases. Would that basically give me $10 in free cashback?
3) If 1 and 2 work, why would I not just load and pay up to my credit limit? (Money would go back to Discover on auto-pay)
4) Has anyone seen any effects on their credit score by increasing their credit utilization? -- As is, my free FICO report says I have a high utilization ratio already, but across all my cards, I don't think it is more than 10-15%
5) Has anyone had a card cancelled for this approach? I use my Discover for just about everything, so I don't think slipping a few grand into the rest of my transactions would throw any red flags. Any advice would be appreciated.
I have a high limit on my Discover card, set to auto-pay through ACH _from_ my checking account.
1) Can I load say $1,000 to Serve, then PUSH to my checking account via ACH?
2) I have 1% cash back on purchases, verified loads clear as purchases. Would that basically give me $10 in free cashback?
3) If 1 and 2 work, why would I not just load and pay up to my credit limit? (Money would go back to Discover on auto-pay)
4) Has anyone seen any effects on their credit score by increasing their credit utilization? -- As is, my free FICO report says I have a high utilization ratio already, but across all my cards, I don't think it is more than 10-15%
5) Has anyone had a card cancelled for this approach? I use my Discover for just about everything, so I don't think slipping a few grand into the rest of my transactions would throw any red flags. Any advice would be appreciated.
Sep 11, 2014, 12:01 pm
#6567
Join Date: Jun 2014
Posts: 25
please re-read this sentence from wiki
is there any option let you PUSH to your checking via ACH?
let us know if you could
2. yes
You cannot make an ACH pull from Serve. The direct deposit account and routing numbers are for deposits only.
let us know if you could
2. yes
Sep 11, 2014, 12:09 pm
#6569
Join Date: Jul 2014
Posts: 3,688
if you link a bank account to Serve, then you can initiate a w/d to it. Money is transferred in 2 to 4 days.
Sep 11, 2014, 12:15 pm
#6570
Join Date: Sep 2014
Posts: 2
Yes, I read that sentence in the Wiki. Maybe I am mixing up terms.
To clarify:
1) If I go to settings -> Funds & Transfers -> Withdraw funds, I can specify my checking account. If that is not referred to as ACH, sorry.
