I had this happen to me early on with a DL scan (couldn't buy even $1k), so after that I just switched to buying $499 x 2 in two transactions ($1,996 total). My stores don't care if you split it up this way and nobody has accused me of trying to skirt the limits. The cashiers here really don't care and just do what the screen tells them to do.

I once had a dealership request to make a copy of my DL. I allowed them to, not really thinking about it. I didn't ever return to the dealership after the test drive, nor had I discussed any sort of purchase, but a few months later when I checked my credit report, I saw that they had done a hard pull on me without my permission.

I was working in Raleigh/Cary this past week and spent this past weekend there. Nice place to shop for beans. Every CVS I walked in had plenty. Was able to complete Feb and Mar already in a couple of days. Plenty left in all the CVS's I visited (I just get $1-2K per visit). I just stopped in a few while driving by during my trips to work/dinner/lunch etc. Lucky you there in RDU!!

they can pull credit without SSN?

edit: wow, looks like they just have to enter all 9s in place of the real SSN

And how does this get tied to your SSN again? I still don't get how a DL can allow you to pull your credit.

I am also looking into private labeling as part of my business plan. Just recently got into this for MSing but we've had plans to private label for over a year now and have not engaged.

We currently give out GCs to our clients and perhaps now is the time to give them under our own label.

This business reminds of the long distance prepaid calling cards back in 1992. I had a distributorship spanning half of the midwest selling calls nationwide at .25 a minute. A BARGAIN BACK THEN.

That's exactly what you want.

A confused mind so they will follow for fear of feeling "stupid?"

If you ever bought anything from finger hut, or sue anyone, or gotten sued, you would know that it doesn't require a social# to tap into your credit report.

Typically you need two of the following three:

Full name
Social
Address

Fake IDs good enough to swipe are pretty hard to beat.

Unless they don't scan them which wouldn't make sense.

Yep, that's why one of my CVS is now calling the CC company for GC purchases, to verify that the CC number used matches the name on the card. They said thieves are using their own cards with stolen numbers and they've caught more than one person trying it. They also took all the VRs off the rack and moved them behind the counter.
Pain in the butt for me.

Went to my regular CVS last week and bought my standard $2.5k worth of VR. Cashier was nice and asked me what it was about these cards that made them so popular. Explained the central idea and she was cool with it and then the weirdness started... For starters, the machine did not ask for my DL after the first one and then on the 2nd one got a code on the register that these were maxed out at $1k/transaction (turned screen to show me). At that point the manager came over to investigate and said that there was now 'a CVS policy to sell only $2k of these per day'. We rung up another $1k on a separate transaction and then I left.

Went to another CVS on the way home that same day and bought $3k with no issues except for the standard DL swipe after the first card. Anyone else have anything like that happen recently?

As this year's first quarter comes to an end, so will Citi Dividend's 5% at drug stores offer. Which other credit cards do you prefer to use at CVS?

What we know is that each CVS store has their own discretion when it comes to GC policy. Some CVS store managers do not impose a limit on VRs while some do and some accept cash only while some still accept CC. It all depends on the store manager's comfort level when they see a bunch of these VR transactions every month. Do not try to fight them on it and point to policy and do not call. Avoid talking to the manager if possible. Just make a note of that CVS and move on. I actually want people to believe that CVS has made a nationwide memo of cash only so that they would stop trying.

Just yesterday I went to one of the CVS stores that I have bought VRs 2 months ago and yesterday they changed 2 things: Brought all VRs to the front counter and accept cash/debit card only. So I politely told the cashier "no thanks" and scratched that CVS off my list. Went to another CVS nearby and it accepted CC and bought 2K. In another story, one of the first CVS stores I went to was still imposing that $1K/daily limit even though it has clearly changed the $1K/daily policy since Aug 2013.

For those of you who have found hidden cards in CVS, where are they typically hidden? Does someone just put them on the back of a different hanger behind the Chili's/Starbucks cards? If they are hidden in the greeting cards, are they all stuffed in a specific card or dispersed throughout? Do you have to manually flip through the entire greeting card section or has it been "fairly" obvious?

It reminds me of the goobers who hide clearance stuff at Target so they can comeback after the next mark down.

If it's not hidden on the rack, it's pretty unfair.

I kind of consider fair game if people hide them behind other GCs on the rack, if they hide them elsewhere in the store, that's just wrong.

VRs have a distinct look to them, you'll be able to spot a hidden VR a mile away once you realize you need to look for the black markings on the side of the VR.

I usually just look at the sides of other gift cards and look for discrepancies. If so, I check to see if it's hidden VRs and more often than not, it is.