Feb 14, 2015, 12:30 am
Last edit by: XP1
Load limits:
$1000 every rolling 30 days
$6000 every rolling 12 months
Withdraw limits:
1 free withdrawal per calendar month
$1000 every rolling 30 days
$6000 every rolling 12 months
Withdraw limits:
1 free withdrawal per calendar month
AmEx Prepaid Campus Edition
Mar 8, 2013, 9:16 am
#16
Join Date: May 2011
Location: Ann Arbor
Programs: Delta GM, Hilton
Posts: 192
BoA ATMs allow people to deposit the cash back into their BoA checking account at the ATM. However, you will still get charged the ATM fee. The cheapest I have found so far is at Costco where you get charged $1.25 per withdrawal.
Mar 11, 2013, 6:27 pm
#17
Join Date: Mar 2013
Posts: 3
Besides Costco, any cheap ATM options?
Mar 11, 2013, 9:04 pm
#18
A FlyerTalk Posting Legend
Join Date: Sep 2002
Location: LAX/TPE
Programs: United 1K, JAL Sapphire, SPG Lifetime Platinum, National Executive Elite, Hertz PC, Avis PC
Posts: 42,228
Second question - I can't find details on the Citi Thank You Points program for flight awards, and without an account, I can't log on to search for flights, so perhaps someone can answer these questions:
How many points are required for a Business Class ticket (on a *A carrier) to Asia from North America? Are these tickets 'revenue tickets' on the airline that earn airline frequent flyer miles?
If I needed, say 180,000 TYP for that ticket, it would cost me roughly 18 weeks of 2k/wk spend to hit those targets, although with frequent payments made to Citi to pay off the balance.
The B+N loads would cost me:
180,000pts/5=36000 in spend
36,000/500=72 loads
72 loads * 3.95 = 284.40
ATM fees:
AX$2+Costco$1.25=.3.25 per $400 out
ATM withdraws to drain 36000/400
90*3.25 = 292.50
Total cost for the Business Class ticket is $576.90
Can anyone poke a hole in my theory? I might end up getting 3 Amex campus cards with family SSN's to keep Amex off my behind with the constant load/drain cycles and allow me to compress the cash flow into fewer trips to the B+N and ATM.
Mar 11, 2013, 9:50 pm
#19
Join Date: May 2011
Location: Ann Arbor
Programs: Delta GM, Hilton
Posts: 192
Does Citi have a higher tolerance for 'churn' than Chase? I could see myself loading/draining about 2k per week loading a couple Amex campus card for a haul of 10k TYP per week - but while Chase or even Amex would shut that down in a heartbeat, how would Citi react to that dollar flow at a B+N campus bookstore, where the card was intended for its best use?
Second question - I can't find details on the Citi Thank You Points program for flight awards, and without an account, I can't log on to search for flights, so perhaps someone can answer these questions:
How many points are required for a Business Class ticket (on a *A carrier) to Asia from North America? Are these tickets 'revenue tickets' on the airline that earn airline frequent flyer miles?
If I needed, say 180,000 TYP for that ticket, it would cost me roughly 18 weeks of 2k/wk spend to hit those targets, although with frequent payments made to Citi to pay off the balance.
The B+N loads would cost me:
180,000pts/5=36000 in spend
36,000/500=72 loads
72 loads * 3.95 = 284.40
ATM fees:
AX$2+Costco$1.25=.3.25 per $400 out
ATM withdraws to drain 36000/400
90*3.25 = 292.50
Total cost for the Business Class ticket is $576.90
Can anyone poke a hole in my theory? I might end up getting 3 Amex campus cards with family SSN's to keep Amex off my behind with the constant load/drain cycles and allow me to compress the cash flow into fewer trips to the B+N and ATM.
Second question - I can't find details on the Citi Thank You Points program for flight awards, and without an account, I can't log on to search for flights, so perhaps someone can answer these questions:
How many points are required for a Business Class ticket (on a *A carrier) to Asia from North America? Are these tickets 'revenue tickets' on the airline that earn airline frequent flyer miles?
If I needed, say 180,000 TYP for that ticket, it would cost me roughly 18 weeks of 2k/wk spend to hit those targets, although with frequent payments made to Citi to pay off the balance.
The B+N loads would cost me:
180,000pts/5=36000 in spend
36,000/500=72 loads
72 loads * 3.95 = 284.40
ATM fees:
AX$2+Costco$1.25=.3.25 per $400 out
ATM withdraws to drain 36000/400
90*3.25 = 292.50
Total cost for the Business Class ticket is $576.90
Can anyone poke a hole in my theory? I might end up getting 3 Amex campus cards with family SSN's to keep Amex off my behind with the constant load/drain cycles and allow me to compress the cash flow into fewer trips to the B+N and ATM.
Mar 11, 2013, 10:13 pm
#20
A FlyerTalk Posting Legend
Join Date: Sep 2002
Location: LAX/TPE
Programs: United 1K, JAL Sapphire, SPG Lifetime Platinum, National Executive Elite, Hertz PC, Avis PC
Posts: 42,228
I thought the Amex card couldn't have more than a balance of 1k, but if drained, you could continually load funds 500 at a time provided the balance remained at or below 1k.
Mar 12, 2013, 6:34 am
#21
Join Date: May 2011
Location: Ann Arbor
Programs: Delta GM, Hilton
Posts: 192
http://www.americanexpress.com/us/co...tion/faqs.html
All other Amex prepaids have a monthly load limit as well so I don't see why this product wouldn't
Mar 19, 2013, 12:25 pm
#23
Join Date: Jan 2008
Location: LAS
Programs: DL PM, UA PS, Hyatt Globalist, Marriott Titanium
Posts: 4,904
Mar 23, 2013, 12:28 pm
#25
Used to be 'captainjeffrey'
Join Date: Jul 2011
Posts: 13
Went by my B&N today to do the monthly Campus Card reload, and a system error occurred. Perplexed staff person found a manager.
I was told there is a store wide hold on all sales and loads. Apparently there was a massive thief/scam issue on the "Starter Cards" using stolen credit cards. Under-trained Campus Staff was probably caught unawares.
No starter cards on the shelves, no reloads, and no word on when stuff will be unfrozen.
I was told there is a store wide hold on all sales and loads. Apparently there was a massive thief/scam issue on the "Starter Cards" using stolen credit cards. Under-trained Campus Staff was probably caught unawares.
No starter cards on the shelves, no reloads, and no word on when stuff will be unfrozen.
Mar 25, 2013, 1:19 pm
#26
Join Date: Oct 2012
Posts: 164
Does Citi have a higher tolerance for 'churn' than Chase? I could see myself loading/draining about 2k per week loading a couple Amex campus card for a haul of 10k TYP per week - but while Chase or even Amex would shut that down in a heartbeat, how would Citi react to that dollar flow at a B+N campus bookstore, where the card was intended for its best use?
Second question - I can't find details on the Citi Thank You Points program for flight awards, and without an account, I can't log on to search for flights, so perhaps someone can answer these questions:
How many points are required for a Business Class ticket (on a *A carrier) to Asia from North America? Are these tickets 'revenue tickets' on the airline that earn airline frequent flyer miles?
If I needed, say 180,000 TYP for that ticket, it would cost me roughly 18 weeks of 2k/wk spend to hit those targets, although with frequent payments made to Citi to pay off the balance.
The B+N loads would cost me:
180,000pts/5=36000 in spend
36,000/500=72 loads
72 loads * 3.95 = 284.40
ATM fees:
AX$2+Costco$1.25=.3.25 per $400 out
ATM withdraws to drain 36000/400
90*3.25 = 292.50
Total cost for the Business Class ticket is $576.90
Can anyone poke a hole in my theory? I might end up getting 3 Amex campus cards with family SSN's to keep Amex off my behind with the constant load/drain cycles and allow me to compress the cash flow into fewer trips to the B+N and ATM.
Second question - I can't find details on the Citi Thank You Points program for flight awards, and without an account, I can't log on to search for flights, so perhaps someone can answer these questions:
How many points are required for a Business Class ticket (on a *A carrier) to Asia from North America? Are these tickets 'revenue tickets' on the airline that earn airline frequent flyer miles?
If I needed, say 180,000 TYP for that ticket, it would cost me roughly 18 weeks of 2k/wk spend to hit those targets, although with frequent payments made to Citi to pay off the balance.
The B+N loads would cost me:
180,000pts/5=36000 in spend
36,000/500=72 loads
72 loads * 3.95 = 284.40
ATM fees:
AX$2+Costco$1.25=.3.25 per $400 out
ATM withdraws to drain 36000/400
90*3.25 = 292.50
Total cost for the Business Class ticket is $576.90
Can anyone poke a hole in my theory? I might end up getting 3 Amex campus cards with family SSN's to keep Amex off my behind with the constant load/drain cycles and allow me to compress the cash flow into fewer trips to the B+N and ATM.
EDIT: Also for loading it's every 28 days on the 1k limit
Mar 25, 2013, 2:01 pm
#27
A FlyerTalk Posting Legend
Join Date: Sep 2002
Location: LAX/TPE
Programs: United 1K, JAL Sapphire, SPG Lifetime Platinum, National Executive Elite, Hertz PC, Avis PC
Posts: 42,228
Mar 30, 2013, 7:24 pm
#28
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
I heard a rumor that there was some difficulty loading this at a bookstore with a CC. Has this been resolved? I just received mine in the mail today.
Mar 30, 2013, 7:40 pm
#29
Join Date: Sep 2012
Location: IAH
Posts: 418
I wasn't able to on Wednesday. I've done it 3 or 4 times at my usual location and its always a hassle. Wednesday the manager insisted the card isn't reloadable. A couple of the cashiers who had done reloads for me intervened but they still couldn't manage to load it.
Mar 31, 2013, 8:06 am
#30
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
I appreciate the response. I'm assuming they have a bunch of issues and are still withholding people from using it for a while then. The place I need to go to is far away, so this saved me a trip. I'm glad I don't have any money sitting on this card.