Wal-Mart, Amex take on banks with Bluebird debit card
#5146
Join Date: Feb 2001
Location: Ann Arbor, Michigan
Programs: Airline Free Agent, Fairmont Lifetime Platinum, Hyatt Globalist, Hilton Honors Diamond
Posts: 3,041
Organizational skills and attention to detail. Control freaks too
#5147
Join Date: May 2010
Location: Washington State
Programs: UA, Starwood, AAdvantage, Alaska, BAEC, Marriott, Hawaiian, Hilton HHonors
Posts: 255
Walgreens will accept a credit/debit or gift card...cash only. I couldn't find them at the Rite Aids
I looked into either.
So far most of the 7-11's only stock the various gift cards but none of the reloads.
#5148
Join Date: Jun 2011
Location: PHL
Posts: 656
Update: no other Asian ladies buying VRs, but she bought 2 VRs on her US MC w/ no problem. That should take care of her 3 months x $750 spend for the bonus 15k DMs. ^
#5149
Join Date: Apr 2012
Posts: 1,184
MTA: Also, it should be noted that it only takes one or two greedy folks that result in "hided" beans to basically shut down a store for everyone else. Today I left my store with two solitary beans on the rack (there were only 4 to begin with), so I get why people do this...but seriously, just don't. It's a total jerk move and it's harmful at a broad scale.
#5150
Join Date: Dec 2012
Posts: 145
MUST SEE IF YOUR DOING RELOADS
MUST SEE IF YOUR DOING RELOADS
MUST SEE IF YOUR DOING RELOADS
MUST SEE IF YOUR DOING RELOADS
MUST SEE IF YOUR DOING RELOADS
I don't give a crap if this is a repost LOL it's still funny everytime I see it
http://www.youtube.com/watch?v=r6R5cEEqXpk
I'm lucky I buy Gift cards at a place where they take $3 flat charge to buy prepaid cards on credit card, and even sell them on a website (for extra $1.95) then my family use the cards for me LOL, since I'm the one with the best credit they think I'm getting 1point per dollar, 500 points for $3 this way, but I get a lot more cause I buy those gift cards with Amex Starwood I get upto around 10 cent per dollar value on where and how I use the points
Also I wouldn't worry about CVS losing money if you really think about it. Since CVS is a national chain they can negociate transaction fees with credit card companies. So let's say 1.5% per card average to be fair.
But also remember you can buy Amex Gift cards on BigCrumbs.com for a rebate upto 2.5% and sometimes free shipping and no activation fee what do you have to worry about?
Cause These card companies usually make 3% transaction on all money spent on Amex gift cards will make money on any transaction.
The bigcrumbs is probably getting a kick back from the 3%. For them to be able to offer 2.5% even if Amex pockets only $0.5% it still adds upto $15 profit to Amex on a $3000 card, not much but every little penny helps. and unused money even if it's forfeited to the State like posted earlier after a long time, interest is still built on the money unused til it's forfieted.
CVS could be earning as much as 2.5% if we used BigCrumbs as a model on the entire transaction.
They could be potentially earning upto $15 (2.5% on $500) + $3.95 activation fee for $18.95. If they pay 1.5% average to process the transaction (probably lower imho cause it's a national chain) They would cost $7.50 on the transaction, but $18.95 potential profit - $7.50 still = $11.45 profits.
Of course $18.95 is a lot better, but if they still couldn't make a profit with using credit cards, I'm sure a nation wide notice would go up CASH ONLY everywhere. I think it's mainly abusers who ruin it. Who knows drug dealers don't take credit cards, but I'm sure smart ones would take Vanilla reloads lol! they can see the funds go right in so why would they care? I use apps to send my friends money for buying my lunch, so some drug dealers could also be looking at other avenues as well to ensure they don't get robbed, which isn't too uncommon cause druggies know they usually hold large amounts of cash.
This is based of a lot of stipulations don't get me wrong, but it seems 100% possible. There would be no way to lose money, but for Amex to offer billpay is probably the weakest link in the whole process, because Amex would be the one to lose out cause of this feature alone, but they could always remove the possibility of billpay, or charge a % fee for billpay. If you feel bad you could always let them make interest on your money for a few weeks to let them build interest, and I would definately spend money once in a while with the bluebird the way it was meant to be used once in a while as well.
MUST SEE IF YOUR DOING RELOADS
MUST SEE IF YOUR DOING RELOADS
MUST SEE IF YOUR DOING RELOADS
MUST SEE IF YOUR DOING RELOADS
I don't give a crap if this is a repost LOL it's still funny everytime I see it
http://www.youtube.com/watch?v=r6R5cEEqXpk
I'm lucky I buy Gift cards at a place where they take $3 flat charge to buy prepaid cards on credit card, and even sell them on a website (for extra $1.95) then my family use the cards for me LOL, since I'm the one with the best credit they think I'm getting 1point per dollar, 500 points for $3 this way, but I get a lot more cause I buy those gift cards with Amex Starwood I get upto around 10 cent per dollar value on where and how I use the points
Also I wouldn't worry about CVS losing money if you really think about it. Since CVS is a national chain they can negociate transaction fees with credit card companies. So let's say 1.5% per card average to be fair.
But also remember you can buy Amex Gift cards on BigCrumbs.com for a rebate upto 2.5% and sometimes free shipping and no activation fee what do you have to worry about?
Cause These card companies usually make 3% transaction on all money spent on Amex gift cards will make money on any transaction.
The bigcrumbs is probably getting a kick back from the 3%. For them to be able to offer 2.5% even if Amex pockets only $0.5% it still adds upto $15 profit to Amex on a $3000 card, not much but every little penny helps. and unused money even if it's forfeited to the State like posted earlier after a long time, interest is still built on the money unused til it's forfieted.
CVS could be earning as much as 2.5% if we used BigCrumbs as a model on the entire transaction.
They could be potentially earning upto $15 (2.5% on $500) + $3.95 activation fee for $18.95. If they pay 1.5% average to process the transaction (probably lower imho cause it's a national chain) They would cost $7.50 on the transaction, but $18.95 potential profit - $7.50 still = $11.45 profits.
Of course $18.95 is a lot better, but if they still couldn't make a profit with using credit cards, I'm sure a nation wide notice would go up CASH ONLY everywhere. I think it's mainly abusers who ruin it. Who knows drug dealers don't take credit cards, but I'm sure smart ones would take Vanilla reloads lol! they can see the funds go right in so why would they care? I use apps to send my friends money for buying my lunch, so some drug dealers could also be looking at other avenues as well to ensure they don't get robbed, which isn't too uncommon cause druggies know they usually hold large amounts of cash.
This is based of a lot of stipulations don't get me wrong, but it seems 100% possible. There would be no way to lose money, but for Amex to offer billpay is probably the weakest link in the whole process, because Amex would be the one to lose out cause of this feature alone, but they could always remove the possibility of billpay, or charge a % fee for billpay. If you feel bad you could always let them make interest on your money for a few weeks to let them build interest, and I would definately spend money once in a while with the bluebird the way it was meant to be used once in a while as well.
Last edited by distantarray; Jan 4, 2013 at 8:26 pm
#5151
Join Date: Jul 2010
Programs: AA, SPG
Posts: 33
you should've asked the manager if they were asian. THAT of course would be the tell all sign that it's really starting to get out of hand.
fwiw, during my VR runs, i've witnessed a jewish man and a black woman purchasing VR @ CVS. "I think it may be getting a little, just a little out of hand?"
fwiw, during my VR runs, i've witnessed a jewish man and a black woman purchasing VR @ CVS. "I think it may be getting a little, just a little out of hand?"
So is no one doing the BC.AEGC -> CVS VR -> BB because AEGC doesn't have your name and will fail once they ask for your ID?
#5152
Join Date: Apr 2012
Posts: 23
Got turned down for the first time yesterday. The cashier in CVS told me I could only use cash to reload according to the picture instructions on the VR card. :facepalm:
Luckily there are a few CVS around my area.
Luckily there are a few CVS around my area.
Last edited by mia; Jan 4, 2013 at 10:59 pm
#5153
Join Date: Jan 2010
Posts: 1,708
It's sort of like finding a Walgreen's in your area that will take credit cards. All you can do is go out and explore in your area and see what results you get.
#5154
Join Date: Oct 2011
Posts: 4,166
I had a cashier say the same thing to me in FL while I was there for Xmas. Stupid pictures confuse cashiers. I convinced her to run the CC and it worked without any problems.
Last edited by mia; Jan 4, 2013 at 11:00 pm Reason: Clean quotation
#5155
Join Date: Dec 2012
Posts: 88
I now have a BB and Amex Prepaid and both give me "Card not found" error for 2 reload PINs (that I stupidly bought at the same location). I'm beginning to think something is funky with the PINs doled out at my retailer despite InComm reporting they are okay. But, the "Card not found" error suggests it's a card problem not a PIN problem.
#5156
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
Moderator request
1. We have received a complaint about the "Asian" references in this thread. If one reads every post it is apparent that there was a misunderstanding which evolved into a running gag. However, not every member reads every post, and some of the posts may seem offensive if read in isolation. Please end it here.
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#5157
Join Date: Nov 2007
Location: going left
Programs: Dime con quien andas,y te dire quien eres
Posts: 367
1. We have received a complaint about the "Asian" references in this thread. If one reads every post it is apparent that there was a misunderstanding which evolved into a running gag. However, not every member reads every post, and some of the posts may seem offensive if read in isolation. Please end it here.
#5158
Join Date: Jul 2011
Programs: UA,SPG,Carlson,Hertz
Posts: 151
On another note, had two Vanilla GC's go wonky on me today. Retailer had problems with their computers and even though a receipt printed that said they were activated, the cards were not actually activated. Just spoke to a very nice person at Incomm who gave me instructions on what to do (fax copies of receipt and front and back of cards to them). Sounded promising so I'm hopeful that my cards will be activated tomorrow. Hah.
#5159
Join Date: Dec 2012
Posts: 145
1. We have received a complaint about the "Asian" references in this thread. If one reads every post it is apparent that there was a misunderstanding which evolved into a running gag. However, not every member reads every post, and some of the posts may seem offensive if read in isolation. Please end it here.
2. Any thread may be closed briefly for review or maintenance. If you have a question about a thread, or any other moderator action, please click the Alert icon in the lower left corner of a post or use the PM function to ask. Please do not post the question in the forum.
2. Any thread may be closed briefly for review or maintenance. If you have a question about a thread, or any other moderator action, please click the Alert icon in the lower left corner of a post or use the PM function to ask. Please do not post the question in the forum.
#5160
Join Date: Jan 2008
Location: LAS
Programs: DL PM, UA PS, Hyatt Globalist, Marriott Titanium
Posts: 4,904
MUST SEE IF YOUR DOING RELOADS
MUST SEE IF YOUR DOING RELOADS
MUST SEE IF YOUR DOING RELOADS
MUST SEE IF YOUR DOING RELOADS
MUST SEE IF YOUR DOING RELOADS
I don't give a crap if this is a repost LOL it's still funny everytime I see it
http://www.youtube.com/watch?v=r6R5cEEqXpk
MUST SEE IF YOUR DOING RELOADS
MUST SEE IF YOUR DOING RELOADS
MUST SEE IF YOUR DOING RELOADS
MUST SEE IF YOUR DOING RELOADS
I don't give a crap if this is a repost LOL it's still funny everytime I see it
http://www.youtube.com/watch?v=r6R5cEEqXpk