Wal-Mart, Amex take on banks with Bluebird debit card
Oct 25, 2012, 6:59 pm
#661
Join Date: Aug 2011
Location: On the Lake USA
Programs: Marriott Ambassador, Hilton Diamond because they have nothing higher
Posts: 523
Oct 25, 2012, 7:00 pm
#662
Join Date: Dec 2010
Posts: 1,516
more or less sound idea, but a cpl things: I have the Nationwide buxx. Loads at $500 max, $2 to load, $800 max spend, $1,000 max balance, $2,500 max monthly load
So while you have a good idea, the math may vary from product to product. I've no idea if you can actually load a BB with the buxx.
So while you have a good idea, the math may vary from product to product. I've no idea if you can actually load a BB with the buxx.
Oct 25, 2012, 7:02 pm
#663
Join Date: Jul 2011
Location: DFW
Posts: 1,145
Some interesting info from OD
So wally's didn't work, they got online and saw where it said cash or debit card. I shrugged, pulled up frequent miler's blog and showed it to them and said Amex is lying to a lot of people (ok, just kidding, i just left).
Prior to this, i went to OD for some bean hunting. Only four left on the rack, uh oh. Grabbed three, walked up, they had to call over a manager. I had my ID out ready, knowing they would ask for it. I started chatting up the manager about it, she said they are having to check a lot of things to see who is buying them. I made the comment that I understood as there is probably a lot of credit card fraud with buying these. She then goes on to say it really has nothing to do with OD, but with the bean company themselves. They are now required to have a manager double check the information and ID. She said in about 30 mins after the purchase i'm making, she will get a call from the company asking if a manager verified the information and compared ID to credit card. She said it was pretty crazy how far they were going, but she did say they sell a lot of them. I inquired about them being restocked soon and didn't really get much of an answer from her.
Anyway, loaded the BB just fine, now calling BB to find out something that will help me pay a bill, but how i pay it might be of even greater interest to lots of people on this board. I'm calling for a legitimate purpose, so no flaming about calling.
Edit: Been on hold for 22 mins, dang, are all of you calling?
Prior to this, i went to OD for some bean hunting. Only four left on the rack, uh oh. Grabbed three, walked up, they had to call over a manager. I had my ID out ready, knowing they would ask for it. I started chatting up the manager about it, she said they are having to check a lot of things to see who is buying them. I made the comment that I understood as there is probably a lot of credit card fraud with buying these. She then goes on to say it really has nothing to do with OD, but with the bean company themselves. They are now required to have a manager double check the information and ID. She said in about 30 mins after the purchase i'm making, she will get a call from the company asking if a manager verified the information and compared ID to credit card. She said it was pretty crazy how far they were going, but she did say they sell a lot of them. I inquired about them being restocked soon and didn't really get much of an answer from her.
Anyway, loaded the BB just fine, now calling BB to find out something that will help me pay a bill, but how i pay it might be of even greater interest to lots of people on this board. I'm calling for a legitimate purpose, so no flaming about calling.
Edit: Been on hold for 22 mins, dang, are all of you calling?
Last edited by Mrgolfer21; Oct 25, 2012 at 7:13 pm
Oct 25, 2012, 7:04 pm
#664
Join Date: Feb 2011
Programs: DL DM Hub Captive, Marriott Plat, Hilton Diamond, PC Plat, and other stuff.
Posts: 904
I've kept up with this thread from the beginning, but I don't recall of this question has been covered:
has anyone successfully gotten cash back at the point of purchase using it as a PIN based debit card?
has anyone successfully gotten cash back at the point of purchase using it as a PIN based debit card?
Oct 25, 2012, 7:10 pm
#666
Join Date: Aug 2011
Location: On the Lake USA
Programs: Marriott Ambassador, Hilton Diamond because they have nothing higher
Posts: 523
OK I just read the last 10 pages and I don't recall mention of Direct Deposit requirements other than real jobs. Anyone know if AP or a Bank transfer will work because after Nov. 4 the DD will be required for fee free ATM use?
Oct 25, 2012, 7:26 pm
#668
Join Date: Aug 2011
Location: On the Lake USA
Programs: Marriott Ambassador, Hilton Diamond because they have nothing higher
Posts: 523
I think it would be total monthly spend in the 5X catagory that would raise the red flag. Especially if mostly from office but if you had a business with $1500 a month in cell phone bills say to add to 2K in beans and some other phone or internet bills it could be done safely perhaps. All depends on who want to get accounts closed in the first wave or to be the last ones to get shut down.
Oct 25, 2012, 7:28 pm
#669
Join Date: Dec 2009
Location: BGM
Programs: HHonors Gold, Club Carlson Gold, Marriott Platinum, IHG Plat, Hyatt Plat
Posts: 771
According to VisaBuxx (Nationwide): max is $500 per load, $1000 is a maximum you can have on the card. Weekly spending limit is $800, max ATM usage is $200/week (and they actually charge $1 for it despite the fact they say it is free). So, it is better to have 2 cards to override the limits (unless you don't mind to have daily trips to WM).
The US Bank website says that the max amount to be loaded in any 30 day period is $2k.
It makes no mention of any other limits besides the $200 ATM limit per transaction and 3 ATM transactions.
It doesn't say anything about there being a max limit per load of any type. It just says how much the fee is per credit card load ($2.50). Also says that there are no fees for using it as a debit card, only for ATM transactions.
Does anybody have any experience with the US Bank version? It sounds like people have the NW version and can give real life experience, but we haven't heard from the US Bank customers.
Oct 25, 2012, 7:33 pm
#670
Suspended
Join Date: May 2010
Posts: 2,998
I think it would be total monthly spend in the 5X catagory that would raise the red flag. Especially if mostly from office but if you had a business with $1500 a month in cell phone bills say to add to 2K in beans and some other phone or internet bills it could be done safely perhaps. All depends on who want to get accounts closed in the first wave or to be the last ones to get shut down.
Oct 25, 2012, 7:39 pm
#671
Join Date: May 2006
Posts: 1,433
In general, I would look at this more suspicious for users using OD, than those who choose to get the card because they had a large cell phone bill...
It's much more "legitimate" for a business to see they have a $5,000/month cell phone or internet bill and get the card just for that purpose...
Probably a lot more common the 4k/month of OD.
Easy, no card swapping hassle, and it's on auto-pay.
It's much more "legitimate" for a business to see they have a $5,000/month cell phone or internet bill and get the card just for that purpose...
Probably a lot more common the 4k/month of OD.
Easy, no card swapping hassle, and it's on auto-pay.
Oct 25, 2012, 7:41 pm
#672
Join Date: Aug 2011
Location: On the Lake USA
Programs: Marriott Ambassador, Hilton Diamond because they have nothing higher
Posts: 523
Oct 25, 2012, 7:48 pm
#674
Join Date: Aug 2011
Location: On the Lake USA
Programs: Marriott Ambassador, Hilton Diamond because they have nothing higher
Posts: 523
In general, I would look at this more suspicious for users using OD, than those who choose to get the card because they had a large cell phone bill...
It's much more "legitimate" for a business to see they have a $5,000/month cell phone or internet bill and get the card just for that purpose...
Probably a lot more common the 4k/month of OD.
Easy, no card swapping hassle, and it's on auto-pay.
It's much more "legitimate" for a business to see they have a $5,000/month cell phone or internet bill and get the card just for that purpose...
Probably a lot more common the 4k/month of OD.
Easy, no card swapping hassle, and it's on auto-pay.
Oct 25, 2012, 7:51 pm
#675
Join Date: Aug 2011
Location: On the Lake USA
Programs: Marriott Ambassador, Hilton Diamond because they have nothing higher
Posts: 523
I agree about BB and that is what I meant. Thanks Mom for an ink well since all my cell and internet bills are filling mine up and there needs to be more space on the cart for spreading out Veggies