Jun 22, 2013, 10:42 am
Last edit by: ChrisFlyer66
There is a new thread for 2017: http://www.flyertalk.com/forum/manufactured-spending/1819569-pin-available-now-visa-mc-prepaid-debit-cards-2017-a.html
Federal Reserve interpretation of Dodd-Frank financial reform regulations has resulted in Visa/MC gift cards getting PINs as of April 1, 2013.
Setting PINS
At Walmat, many MCs default to credit(and fail) and require pressing a button to change the payment type to debit. Here are the workarounds:
Old POS systems (monochrome black on green terminals and replacement color terminals):
1a. Screen shows "Insert or Swipe Card Quickly" with "Espanol" button in lower right (note if your screen blinks)
1b. Swipe card
1c. Screen shows "Waiting for cashier..." with with working animation in lower center and "Cancel" button in lower right
2. Press "Cancel" on the screen or red button on pad (if your screen blinks, do not hit button until after blink)
3. Press "ATM/DEBIT" from upper left
4. Press "No Cash Back"
5a. Enter PIN
5b. Screen shows "Waiting for cashier..."
6. Cashier hits blue (not green) Debit button on their side.
New POS systems (color terminal):
1. Swipe GC
2. Press "Change Payment" on screen (Yellow button on pad should also work, but screen works better for some. Timing is critical.)
3. Press "DEBIT"
4. Press "No Cash Back"
5. Enter PIN - Screen showing another 'Waiting for cashier...'.
6. Ask Cashier to hit blue color Debit button on the screen
When splitting transactions among multiple cards at a Walmart register, make sure to have the cashier hit the debit button on their physical keypad. If they hit the debit button on the touchscreen, it will not work. If your transaction got declined, try having the cashier hit 'Debit' using the physical keypad on the right of the screen.
As of 6/19/2014, Walmart rejects Debit attempts above $49.99 on all cards issued by InComm/ITC Financial Services, namely all Vanilla VISA and OneVanilla. There is no workaround.
Error Messages
DEBIT NOT AVAILABLE
Not enough funds available to cover whatever amount was typed in, or most likely NOT typed in.
DEBIT NOT APPROVED
Received when the card's monthly load limit had been reached.
HOST TIMEOUT
Connection problems. The GC may be drained but the transaction should reverse itself, and funds will become available again.
Federal Reserve interpretation of Dodd-Frank financial reform regulations has resulted in Visa/MC gift cards getting PINs as of April 1, 2013.
Setting PINS
- MetaBank VISA or Sunrise VISA -use the last four digits of the card number (or to set personal PIN call 888-524-1283)
- US Bank VISA and Mastercard - Newer cards come with a PIN printed on cardstock inside the package. To set/reset PIN, call 866-952-5653. One person reports: VISA that has pre-set PIN locks PIN on first use if not previously reset; always call to set PIN before use. If you forget to reset the pin and you can't unload the funds to your BB, call the toll free # and ask rep. to "reset" the card and they will do some magic and you should then be able to unload the funds at WM.
- Vanilla VISA and OneVanilla(not MyVanilla, etc) - selection of 4 digits on the first transaction becomes the PIN
At Walmat, many MCs default to credit(and fail) and require pressing a button to change the payment type to debit. Here are the workarounds:
Old POS systems (monochrome black on green terminals and replacement color terminals):
1a. Screen shows "Insert or Swipe Card Quickly" with "Espanol" button in lower right (note if your screen blinks)
1b. Swipe card
1c. Screen shows "Waiting for cashier..." with with working animation in lower center and "Cancel" button in lower right
2. Press "Cancel" on the screen or red button on pad (if your screen blinks, do not hit button until after blink)
3. Press "ATM/DEBIT" from upper left
4. Press "No Cash Back"
5a. Enter PIN
5b. Screen shows "Waiting for cashier..."
6. Cashier hits blue (not green) Debit button on their side.
New POS systems (color terminal):
1. Swipe GC
2. Press "Change Payment" on screen (Yellow button on pad should also work, but screen works better for some. Timing is critical.)
3. Press "DEBIT"
4. Press "No Cash Back"
5. Enter PIN - Screen showing another 'Waiting for cashier...'.
6. Ask Cashier to hit blue color Debit button on the screen
When splitting transactions among multiple cards at a Walmart register, make sure to have the cashier hit the debit button on their physical keypad. If they hit the debit button on the touchscreen, it will not work. If your transaction got declined, try having the cashier hit 'Debit' using the physical keypad on the right of the screen.
As of 6/19/2014, Walmart rejects Debit attempts above $49.99 on all cards issued by InComm/ITC Financial Services, namely all Vanilla VISA and OneVanilla. There is no workaround.
Error Messages
DEBIT NOT AVAILABLE
Not enough funds available to cover whatever amount was typed in, or most likely NOT typed in.
DEBIT NOT APPROVED
Received when the card's monthly load limit had been reached.
HOST TIMEOUT
Connection problems. The GC may be drained but the transaction should reverse itself, and funds will become available again.
PIN available now for Visa/MC prepaid debit cards(2013-2016).
Jun 11, 2013, 7:47 pm
#1651
Suspended
Join Date: Jan 2013
Location: LAX/SNA
Programs: AA, Hilton Gold
Posts: 3,887
When it doubt, there should be a URL on the back of the card that will provide you with the answer.
Jun 11, 2013, 8:11 pm
#1652
Join Date: Nov 2012
Posts: 657
Where to find the "wells fargo 5x card at drug stores"? All I can find is 3x for 6 month:
https://www.wellsfargo.com/credit-cards/rewards/
https://www.wellsfargo.com/credit-cards/rewards/
Jun 11, 2013, 8:45 pm
#1653
Join Date: Jun 2005
Location: Sweet Home Chicago
Programs: Hilton Gold, Marriott Gold
Posts: 646
I had two different cashiers at two separate WMs ask to see my debit card and ID on Saturday. So I handed them my MVD debit card and DL and let them scrutinize them. No one said I had to use *that* debit card when it came time to pay 
Jun 11, 2013, 9:02 pm
#1654
Join Date: Jan 2012
Programs: DL, WoH
Posts: 1,253
Jun 11, 2013, 9:15 pm
#1655
Join Date: Nov 2012
Posts: 657
chase hyatt is cool too...club carlson has to be the crappiest design, yet it is my favorite for normal spend.
Jun 11, 2013, 9:16 pm
#1656
Join Date: May 2013
Posts: 939
Can anyone provide a screenshot or link to the 5% offer?
Jun 11, 2013, 9:43 pm
#1657
Join Date: Nov 2012
Posts: 657
I can't get you either but it exists, I applied 3 months ago, this is the best I can do...it was a targeted offer when I logged into my checking acct. The public offer is 3x at drug and grocery stores.
7203 * 4 ~= 28639...I spend a few dollars on things other than drug and grocery stores
Wells Fargo Rewards® Program Summary
Rewards Previous Balance: 24,489
Points Earned: 7,203
Earn More Mall® Bonus Points: 0
Bonus Points Earned: 28,639
Points Redeemed: 0
Total Available Points: 60,331
Ive earned $750 in 3 months so far minus ~$120 in VR fees
Jun 11, 2013, 9:49 pm
#1658
Join Date: May 2013
Posts: 939
^
Very nice my friend.
Thats good enough for me.
So you need to have a PMA checking account for a while and wait for the targeted offer huh...
Seems this gal wants a ring on her finger..
Very nice my friend.
Thats good enough for me.
So you need to have a PMA checking account for a while and wait for the targeted offer huh...
Seems this gal wants a ring on her finger..
Jun 11, 2013, 9:56 pm
#1659
Join Date: Nov 2012
Posts: 657
I have a pma...not sure if a reg checking would work
Last edited by drdrew450; Jun 12, 2013 at 8:28 am
Jun 11, 2013, 11:29 pm
#1660
Join Date: May 2013
Posts: 939
That's Hot...
Last edited by KYBOSH; Jun 13, 2013 at 1:10 am
Jun 12, 2013, 9:04 am
#1661
Join Date: May 2011
Location: NYC
Programs: UA 1K, AS MVP Gold, TK *Gold, HHonors Gold, SPG Plat, Marriott Plat, Hyatt Diamond
Posts: 570
Hello -
I haven't tried this yet but wanted to sounded off my math to see if I am on the right track..
buy $500 gift that has a $5.95 fee (1.19%) using a 5%-6% cash back card. now that these cards have pins attached to them they can be used to purchase money orders at walmart to circle the funds back to the bank account netting 3.81% - 4.81%.
- why are some guys buying VR's with these gift cards and pay extra t-cost?
- I will research more, but the WF cc (w/a checking account) sounds like the best bet. The Amex cashback card has only 5% upto the first 6k
Cheers,
I haven't tried this yet but wanted to sounded off my math to see if I am on the right track..
buy $500 gift that has a $5.95 fee (1.19%) using a 5%-6% cash back card. now that these cards have pins attached to them they can be used to purchase money orders at walmart to circle the funds back to the bank account netting 3.81% - 4.81%.
- why are some guys buying VR's with these gift cards and pay extra t-cost?
- I will research more, but the WF cc (w/a checking account) sounds like the best bet. The Amex cashback card has only 5% upto the first 6k
Cheers,
Jun 12, 2013, 9:17 am
#1662
Join Date: May 2011
Location: NYC
Programs: UA 1K, AS MVP Gold, TK *Gold, HHonors Gold, SPG Plat, Marriott Plat, Hyatt Diamond
Posts: 570
<deleted> post was duplicated
Jun 12, 2013, 9:21 am
#1663
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
Also, does it make sense at all to use an MVD to load a BB or GB?
Jun 12, 2013, 10:44 am
#1664
Join Date: Jun 2013
Posts: 44
Sorry if all this was covered before in the previous 110 pages, but I have not been able to get the MC GCs to work at my local WMs. Am I doing something wrong?
Jun 12, 2013, 10:49 am
#1665
Join Date: Jan 2012
Programs: DL, WoH
Posts: 1,253
The mc's are finnicky. There are few different ways to get the pin on the card. Most of the time I just call the number in the insert, but others have reported that you can just set your own number, or last 4 digits. I guess it all depends.