Wal-Mart, Amex take on banks with Bluebird debit card
Nov 21, 2012, 11:41 am
#2956
Join Date: Sep 2012
Posts: 586
I have two loans with WF. I input the other one correctly and everything worked out just fine so I know it works if you are careful.
Nov 21, 2012, 11:42 am
#2957
Suspended
Join Date: May 2010
Posts: 2,998
But we'd lose the entertainment value of emptiness getting their undies in a bunch while blaming others for their own mistakes.
Nov 21, 2012, 12:03 pm
#2958
Join Date: Jul 2001
Location: DTW
Programs: AA Gold, Marriott Titanium
Posts: 819
Someone told me a sad story several months ago - Chase would not approve her 4th card that was the SW card after 2 separate reconsideration requests. She then went pestering her banker to get that approved. Well, the SW card showed up online for one single day. Next day, every card was CLOSED including the CSP she was about to meet the spend requirement. After a few calls Banker told her there was nothing he could do - it was handled by another dept which he wouldn't reveal and he said once that dept made a decision it was final. That was it.
Long story short, she eventually went thru several channels including the government's - but Chase wouldn't budge other than sent her a $500 check as a courtesy to the 50K UR pt bonus despite she hadn't quite met the spend requirement yet. The only reason Chase given about card closure - "business decision". Chase made it VERY CLEAR in the letter that it is pure goodwill Chase issued the $500 check. A few months later a couple un-related events happened to her Chase bank account, that turned out to be a trigger for Chase to abruptly closed the remaining bank accounts without any warning. My gut guess is, her SSN has been on the "no fly list" that Chase keeps on the radar of its system - it is just a matter of time that something would trigger the final purge of an unwanted customer.
Long story short, she eventually went thru several channels including the government's - but Chase wouldn't budge other than sent her a $500 check as a courtesy to the 50K UR pt bonus despite she hadn't quite met the spend requirement yet. The only reason Chase given about card closure - "business decision". Chase made it VERY CLEAR in the letter that it is pure goodwill Chase issued the $500 check. A few months later a couple un-related events happened to her Chase bank account, that turned out to be a trigger for Chase to abruptly closed the remaining bank accounts without any warning. My gut guess is, her SSN has been on the "no fly list" that Chase keeps on the radar of its system - it is just a matter of time that something would trigger the final purge of an unwanted customer.
Did she give you more details to her banking woes? Was her debt reaching further than her assets? Was she transferring balances to delay payments? Is she a hoarder?
My point is she could have been creating a real financial mess. I've watched friends get themselves into problems with internet shopping. Then there's the friends I've watched purchase tupperware, home decor and baskets at parties when they didn't have the money but got caught in the buying craze with the crowd. Card churning could go like that too. One friend does it so another goes along with the scheme and gets caught in a debt of cc mess.
Last edited by gardengirl; Nov 21, 2012 at 1:00 pm
Nov 21, 2012, 12:18 pm
#2959
Join Date: Dec 2010
Location: Long Beach
Programs: HHonors Diamond, Hyatt Diamond
Posts: 1,171
[QUOTE=tys90;19724597]I actually added an extra number AND swapped two numbers around in my loan number. I don't know how I managed to do that but I did. I don't have any dashes in my loan number so I did input any, did you mean zip code? I didn't use any dashes in the zip code either.
QUOTE]
This is real money we are plying with, I would add a bit of caution to someone who is trying to pay bills with this, if you are not an increadibly dilligent person mistakes could cost you a lot.
I read upthread somoen complaining they could not se their mortgage up for auto pay and they would have to remeber to goto bluebird to make a payment. if you dont actively manage your points earning games they will bite you in the end. "set it and forget it" is for roasting turkeys not for manufacturing miles
QUOTE]
This is real money we are plying with, I would add a bit of caution to someone who is trying to pay bills with this, if you are not an increadibly dilligent person mistakes could cost you a lot.
I read upthread somoen complaining they could not se their mortgage up for auto pay and they would have to remeber to goto bluebird to make a payment. if you dont actively manage your points earning games they will bite you in the end. "set it and forget it" is for roasting turkeys not for manufacturing miles
Nov 21, 2012, 12:28 pm
#2960
Join Date: Jul 2008
Location: CLL
Programs: MS Plat, AOR ninja
Posts: 2,177
Nov 21, 2012, 12:54 pm
#2961
Join Date: May 2003
Location: CA
Programs: AA Lifetime Gold, HHonors Diamond
Posts: 2,879
Nov 21, 2012, 1:45 pm
#2963
Join Date: Dec 2010
Location: Long Beach
Programs: HHonors Diamond, Hyatt Diamond
Posts: 1,171
Nov 21, 2012, 2:09 pm
#2964
Join Date: Jan 2003
Location: Fairfield County, CT USA
Programs: AA PLT+2MM / DL DM+1MM / A3 *G / Fairmont LT Plat / Ritz Gold / SPG Gold
Posts: 4,077
Nov 21, 2012, 2:13 pm
#2965
Join Date: Mar 2011
Location: BOS
Programs: US, AA, Delta, BA, Hilton, Marriot, HYATT
Posts: 433
A little off the topic but related. How much money (annually...business or job) if you make, Would you not care about getting miles/points using this type of exploits?
Nov 21, 2012, 2:19 pm
#2966
Join Date: Jan 2003
Location: Fairfield County, CT USA
Programs: AA PLT+2MM / DL DM+1MM / A3 *G / Fairmont LT Plat / Ritz Gold / SPG Gold
Posts: 4,077
I'm starting up on this now.
There clearly are some functional limits to this, but if you value points at 3-4 cents and it is not too inconvenient, this makes a lot of sense.
There clearly are some functional limits to this, but if you value points at 3-4 cents and it is not too inconvenient, this makes a lot of sense.
Nov 21, 2012, 2:23 pm
#2967
Suspended
Join Date: May 2010
Posts: 2,998
It's not about the $, it's about the game. I could make 10x what I do and still enjoy this hobby. The satisfaction of flying 2 people to Austin for the F1 race and spending 5 nights at a hotel for $20 total is worth more than the $ I saved (which was considerable).
Nov 21, 2012, 2:24 pm
#2968
Join Date: Jan 2003
Location: Fairfield County, CT USA
Programs: AA PLT+2MM / DL DM+1MM / A3 *G / Fairmont LT Plat / Ritz Gold / SPG Gold
Posts: 4,077
I am fortunate and do OK in real life. The points game is a fun arbitrage for me...which I enjoy. If I didn't enjoy it, I probably wouldn't engage at all.
I typically use points towards the purchase of long-haul premium cabin tickets - tickets I would otherwise buy. So, for me, as long as it doesn't take too much time/effort to accumulate the points from these little add-ons, the math is always pretty attractive to me. I don't hesitate to use double-miles awards when I need/want to be on a particular flight. The math is still attractive.
Many of my points come from bona fide CC spend and actual travel (gasp).
When to stop? Perhaps when I am flying private?
Nov 21, 2012, 2:24 pm
#2969
Join Date: Jan 2003
Location: Fairfield County, CT USA
Programs: AA PLT+2MM / DL DM+1MM / A3 *G / Fairmont LT Plat / Ritz Gold / SPG Gold
Posts: 4,077
Nov 21, 2012, 2:25 pm
#2970
FlyerTalk Evangelist
Join Date: Aug 2001
Location: Finally back in Boston after escaping from New York
Posts: 13,644