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PIN available now for Visa/MC prepaid debit cards(2013-2016).

PIN available now for Visa/MC prepaid debit cards(2013-2016).

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Old Feb 3, 17, 2:04 am   -   Wikipost
Please read: This is a community-maintained wiki post containing the most important information from this thread. You may edit the Wiki once you have been on FT for 90 days and have made 90 posts.
 
Last edit by: ChrisFlyer66
Wiki Link
There is a new thread for 2017: http://www.flyertalk.com/forum/manuf...ds-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
  • 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.
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Old Jun 22, 13, 7:58 am
  #1786  
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Originally Posted by KYBOSH View Post
Is there a special/promo with Chase Freedom and Grocercy stores going on right now?
NO that was the first quarter, but if you use it right and can get fuel points then you come out ahead.
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Old Jun 22, 13, 9:26 am
  #1787  
 
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Originally Posted by shel View Post
No. The "gift box" cards are OK. The "Celebrate" has no box in the picture, only some random dots ...
Originally Posted by FlightNurse View Post
THe GC with the gift on the front are OK to use, the "celebrate" card has dots and or says "celebrate" on the front.
Could someone point to picture of that notorious "celebrate" mc gc? Or upload one?
Know your enemy
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Old Jun 22, 13, 9:58 am
  #1788  
 
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Originally Posted by pier11 View Post
Could someone point to picture of that notorious "celebrate" mc gc? Or upload one?
Know your enemy
Ask and you shall receive

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Old Jun 22, 13, 10:05 am
  #1789  
 
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Originally Posted by jasonvr View Post
Ask and you shall receive
Thanks a lot! Very educational (the image of card I mean)
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Old Jun 22, 13, 10:39 am
  #1790  
 
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Originally Posted by rambo View Post
I know for sure Amex does. When they did a FR on my wife's account, they were able to tell me exactly how much gift cards were purchased (she had 3 accounts, 2 SPG and 1 Amex PRG) and the cards were purchased in CVS, Safeway etc.
Was she FRed just because of the amount of cards she was buying? Or for buying them period?
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Old Jun 22, 13, 10:42 am
  #1791  
 
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Originally Posted by FlightNurse View Post
I will buy 2K worth of GC at Fry's (krogers) each month to get the fuel discounts with my freedom card, this will give me money back, this will offsent the spend plus I usually save roughly $34 in my fuel bill/month.
I really like Chase. I wonder what threshold makes them take a closer look...
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Old Jun 22, 13, 10:43 am
  #1792  
 
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Wikipost added. I've tried to summarized (quickly) the things the popped into my head, but I'm sure there is other info that others can add.
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Old Jun 22, 13, 11:02 am
  #1793  
 
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Originally Posted by jasonvr View Post
Wikipost added. I've tried to summarized (quickly) the things the popped into my head, but I'm sure there is other info that others can add.
Yikes...that info is now easily visible to any "entities" out there. I guess it doesn't matter since this isn't really a secret thing.
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Old Jun 22, 13, 11:22 am
  #1794  
 
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Originally Posted by ricohitman View Post
Yikes...that info is now easily visible to any "entities" out there. I guess it doesn't matter since this isn't really a secret thing.
Given that every piece of info is in this thread....I really can't see what the secret is at this point....
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Old Jun 22, 13, 11:33 am
  #1795  
 
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She was FR'ed for buying sbout15k worth of gift cards, VR's etc, I spread it across each of the cards(prg,SPG personal and business). I even spread it across different stores and amounts, thinking that it will be safe, but Amex seem to have a system in place to track all GC card/prepared card spending


Originally Posted by TheDapperDon View Post
Originally Posted by rambo View Post
I know for sure Amex does. When they did a FR on my wife's account, they were able to tell me exactly how much gift cards were purchased (she had 3 accounts, 2 SPG and 1 Amex PRG) and the cards were purchased in CVS, Safeway etc.
Was she FRed just because of the amount of cards she was buying? Or for buying them period?
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Old Jun 22, 13, 11:37 am
  #1796  
 
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Originally Posted by jasonvr View Post
Given that every piece of info is in this thread....I really can't see what the secret is at this point....
thanks for the wiki
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Old Jun 23, 13, 1:42 am
  #1797  
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Originally Posted by pier11 View Post
Thanks a lot! Very educational (the image of card I mean)
Yes, Very, look it says Celebrate on it....
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Old Jun 23, 13, 1:44 am
  #1798  
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Originally Posted by TheDapperDon View Post
I really like Chase. I wonder what threshold makes them take a closer look...
I don't go over board with the freedom card, to kind of fly under the radar so to speak. Now my other cards, is a different story.
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Old Jun 23, 13, 3:57 am
  #1799  
 
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Originally Posted by brandon032586 View Post

Lastly, I want to comment on the number of transactions on a walmart money center express machine. I have heard reports that the machine crashes after 4-5 swipes, are you splitting the transaction? Because when I go into WM with 2 BB cards, load $2000 off of 10 $200 GCs and never have any problem with the machine (as long as the machine is operational to begin with, which it is not always). Takes about 15 minutes for all the swipes, and lots of receipts, but it is much easier than dealing with employees who I have found make up the rules as they go along and can be a pain in the but for no reason.
Kiosk locks up if you hit $2K in 10-12 minutes. So you can only load 3 $500 cards before locking up. But if you are loading $200s and it takes you longer than ~12 minutes to hit $2K you don't have to worry - seems like a rolling timer reset to prevent unusually large transactions.
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Old Jun 23, 13, 10:52 am
  #1800  
 
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Originally Posted by rambo View Post
She was FR'ed for buying sbout15k worth of gift cards, VR's etc, I spread it across each of the cards(prg,SPG personal and business). I even spread it across different stores and amounts, thinking that it will be safe, but Amex seem to have a system in place to track all GC card/prepared card spending
the obvious follow up question to this is, did your wife come out of the FR successfully without any adverse action?
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