Originally Posted by Lumpylump76 (Post 23766610)

Wild ... guess is that BP, MO, and withdrawals are triggering it.

Originally Posted by Julian Brennan (Post 23767228)

That's exactly what I've been thinking reading here for the last couple days! Almost everyone who received the friendly reminder or worse mentioned the magic letters BP or MO somewhere.

Have been loading $1k in PPMC almost every week lately. Unloading via Serve $200/w and the rest via cashback at Walmart which allows up to $100 - most other stores only allow $40 tops. I'm not sure but I'd guess the $101 purchase amount does count as retail spend although only $1 is actual spent...

Also had almost $10k going through the PP account lately since I was transferring savings accounts to the PP Prepaid card's 5% APY account for myself and my wife.

Originally Posted by brito11 (Post 23766691)

If you read far back enough, there are multiple instances of PP mass closing accounts. Could be some kind of a check PP runs occasionally - there are multiple posts in this thread where the full 4 k load was shut down after some time.

Originally Posted by ZzzzX (Post 23768247)

I might load as I go, spend as I need. I might do almost 65-70% of spending in swipes along the way. Or not. I might BP, MO, withdraw. Or not. I might load online to other services. Or not. I might ACH. I might receive and send finds. Or not. Point is, if you are planning to use this service in a pattern, the exact same way every month, that might trigger something as an "unusual spending pattern." Or not. There seems to be no way to predict what PP will do.

Originally Posted by rooney (Post 23769648)

Again, why not actually load the PPMC and use the PPMC as your credit card? And only load as much as you think you'll use in a given week or two? The earnings are the best out there.

Originally Posted by rooney (Post 23769648)

Again, why not actually load the PPMC and use the PPMC as your credit card? And only load as much as you think you'll use in a given week or two? The earnings are the best out there.

Originally Posted by rooney (Post 23769648)

Again, why not actually load the PPMC and use the PPMC as your credit card? And only load as much as you think you'll use in a given week or two? The earnings are the best out there.

Originally Posted by rooney (Post 23769648)

Again, why not actually load the PPMC and use the PPMC as your credit card? And only load as much as you think you'll use in a given week or two? The earnings are the best out there.

Originally Posted by floressalicis (Post 23760032)

So there's a couple things it can mean: for starters, when you first add in a debit card, after the first or second load (IME your very first card will be "flagged" on the second load, subsequent changes result in immediate flagging), you will be required to upload/fax documents (picture of ID, picture of debit card in question or statement) for some Serve representative to look over. You won't be able to process any loads until they do. In theory, Paypal shouldn't be allowed as it's not a "real" bank issued debit card, but in practice many people get away with it since the Serve reps seem to just care that the name matches the account. Alternatively, it could refer to the fact that Paypal seems to be clamping down on accounts that have large PIN based transaction but also nominally signature based transactions like Serve. We can probably only speculate whether they're looking for max Paypal cash card loads followed by rapid spend down or some PIN based transaction/month threshold or what. Short of getting a mole into Paypal to find the exact algorithm being used, I doubt we'll get a clear answer from them. But I'm pretty sure the Serve thread wiki is warning about the online loads with Paypal requiring you to submit documentation and your (very good) chances of getting a rep that doesn't realize Paypal is a prepaid debit card and letting you load away with it. I don't think the Serve thread wiki is concerned with Paypal's current (ongoing?) vendetta against MSers.

Originally Posted by Julian Brennan (Post 23759926)

The Wiki in the Serve thread says that [Paypal loads] will eventually be flagged. What exactly does that mean? I've been unloading my PPBDMC to Serve for a couple weeks now, $200 each week, to spread the monthly $1k limit over the entire month.

Originally Posted by Lumpylump76 (Post 23766339)

Because the blood sucking churners buy up all of them from the store, so you got to get more of them and load them over the next few days, in case you can't buy anymore tomorrow.

Originally Posted by ZzzzX (Post 23772549)

Ah. Did not consider this. In my area there are lots of cards. I must be the only one buying them. Still, I would want to sit on these.