I think they would fall within the categories of a potential filer of such reports. The definitions of very expansive and broad, and sellers of money orders and variable load cards take on a lot of responsibilities when they choose to sell those items for cash. Keep in mind that a lot of retail transactions, including the sales of cars for cash, generate reporting obligations. It is in fact in the auto dealer guidance that a purchase of a car with a credit card is not viewed as a cash transaction. It would be beneficial if the government would clarify whether the purchase of items such as money orders with a debit card is more akin to cash or a credit card.

funny you mention this. My liberal CVS was letting me do 8-9k per day and all of the sudden they say they have to start enforcing 2k/day.

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i have smth similar in my cvs... 2 cashiers ring up as many vanillas as i want, 3rd one insists on limit of 1k... so i try to get the other two ;)

I still think your earlier comments overstate the likelihood of a SAR being filed for prepaid card transactions involving CVS. If a customer constantly walks in with over $2,000 of cash and buys prepaid cards, I would agree that CVS would likely make the decision to gather information about that customer and file a SAR, and I agree that CVS is a reporting entity for a SAR. But there is plenty of guidance from FINCEN that credit card transactions are not cash transactions and should not be viewed as such. Since CVS can clearly see that these transactions are purchases with a credit card, I can't see that a change in daily limit was SAR related. But it is all so subjective that none of us will ever know.

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Warning! Don't trust the CVS manager
 

Last week a CVS manager told me that VRs, OVs, giftcards and MPs could not be purchased with a CC. Without much thought to the possibility that he could be providing incorrect info, I left the store frustrated and disappointed. Fortunately I was tipped by a kind FTer and took another chance with CVS #2 and CV #3. Turned out #2 and #3 allowed CC for Vanilla products and gift cards.. only Moneypaks required CASH.

Curious as to the truthfulness of the manager at #1 I went back to CVS #1 today .....and without asking any questions...and without asking for the manager again, I was able to purchase using my CC without issue.

I was able to purchase $2000 worth of OV cards using my CC without a single question asked.

Bottom line here is don't believe everything you are told and despite what anyone says otherwise, ask whomever is standing at the cash register to checkout.

( Looking back to what happened last week I believe the cause of the problem started when I asked the manager the wrong question. )

I should never have asked anyone even manager if I could pay with a CC. A better alternative would have been to take what I needed and walked straight to the cash register. Assume yes and let someone else tell you no.

The other problem might have also been created when I took 1 VR, 1 OV, and 1 MP and asked if they could be paid with CC.

Last week I believe I handed the MP first to the cashier and the register immediately prompted a cash payment. And since MoneyPaks must be paid with CASH the CVS staff including his manager assumed that all similar products must be paid with cash.

A third possibility is that one should never ask if CC is accepted as payment on these products. Just assume they are and take them to the checkout line. Worst things happens is you'll be told CASH ONLY. But until then it's all guessing.

Until then team up with some local people on FT and share secrets and resources. Don't ask a CVS manager or staff what you can or cannot do. Just do it and let the cash register tell you NO.

WEll guys perhaps it's rehashing the same info with different presentation. I'll tone down a little if it doesn't add value.

This is one of the foundational elements of all the games we play: the employees of the businesses we interact with often have no idea what they are talking about. When the collective knowledge of FT conflicts with something a CSR, cashier, or any other employee tells you, it is usually FT that is correct. That's the main reason for the HUCA rule. The corresponding rule for in-person transactions would be WATAL - Walk away, try again later.

Anyway, it's nothing new. This lesson is pervasive throughout many, many threads on this and other forums.

GUYS. I purchased at CVS today no problem.

It's getting harder and harder to find beans at my CVS stores. Seems like they've been out of stock or very low in stock for over six months.

Don't take it personally Fico2go. I understand the urge to contribute data points and help the community grow & learn. Many many times what you've experienced is old news to the folks who've been doing this a long time. Gotta take their comments with a grain of salt. You've learned the most important lesson though: Keep trying. Other locations, other methods, other staff.

Aside from the moral dilemma, is there anything preventing someone taking a bean from a non-CC store (e.g. Walgreens in my area has a near unlimited supply) and check out at a CVS that does accept CC. The cards look identical but I have never looked at the SKU to see if there is a difference.

Its been reported on this board that it will not work, though I can't find the link.

Its also stealing, so morals aside its illegal.

I was recently told by an employee of a VR-selling business that I could not use CC to purchase, "it's the law." I don't want to break the law, so I stopped purchasing VR.