One Vanilla MO problems...
Apr 20, 2014, 6:05 pm
#31
Join Date: Jan 2010
Posts: 1,708
Apr 20, 2014, 6:25 pm
#32
Join Date: Jan 2009
Location: Texas
Programs: AA, USAir
Posts: 228
Several WM's I've been to have explicitly stated that they won't take debit cards for MO's or BB loads without raised numbers and a name on the card. This is not a good sign, although I showed her my paypal debit card and then employed some sleight of hand to put the One Vanilla card through when swiping my cards... so I know it's not hard coded, probably just a store to store policy - so far.
http://www.amazon.com/Manual-Card-Em...+card+embosser
Apr 20, 2014, 11:10 pm
#33
Join Date: Jan 2014
Location: Minneapolis/St. Paul
Posts: 271
I've used OV at least several times a week and four cards each time to buy MOs. Never any problem. Also four cards can get u $2000 worth of MOs without an SAR form. Anything over four can require filling out SAR.
Apr 22, 2014, 10:25 am
#34
Join Date: Feb 2013
Location: NYC
Programs: UA 1K, AA EP, Hyatt Diamond, SPG Platinum, M life Noir
Posts: 1,279
My understanding is that buying $2k-$2,999.99 in MOs may result in a SAR if the transaction is deemed "suspicious" (completely subjective). $3k and over and a SAR must be filed. So if you really want to be safe from SARs when buying MOs, keep it to $1,999.99 and under.
Apr 22, 2014, 3:26 pm
#35
Join Date: Feb 2014
Posts: 349
Why on earth would a SAR be filed for over 3k? Automatically suspicious? That's crazy.
Apr 24, 2014, 4:36 pm
#36
Join Date: Sep 2010
Location: LAX
Programs: AA EXP, Hyatt Diamond, UA 1P
Posts: 389
This is definitely spreading... pretty much every WM in Socal that I've come across has their cashiers parroting this policy. Going up to Seattle this weekend, hopefully it hasn't spread up there yet. Have $10k OV's I need to liquidate, even if I had to do it on vacation.
Apr 25, 2014, 9:23 pm
#38
Suspended
Join Date: May 2010
Posts: 2,998
Apr 25, 2014, 9:26 pm
#39
Join Date: Feb 2014
Location: PHL
Posts: 930
Wonder if investing in a embossing machine would be fruitful...
http://www.amazon.com/Manual-Card-Em...+card+embosser
http://www.amazon.com/Manual-Card-Em...+card+embosser
Apr 25, 2014, 11:00 pm
#40
Join Date: Nov 2006
Location: LAX
Posts: 2,851
This is definitely spreading... pretty much every WM in Socal that I've come across has their cashiers parroting this policy. Going up to Seattle this weekend, hopefully it hasn't spread up there yet. Have $10k OV's I need to liquidate, even if I had to do it on vacation.
Apr 25, 2014, 11:12 pm
#41
Join Date: Jan 2010
Posts: 1,708
A think the registers are still fine. For me, cashiers asked me to hand cards over so they could examine them. My cashiers have obviously had a fire lit under them about this. They go into high alert mode as soon as they hear $500 and split payment. I think that's the trigger. It happened at all my WM last Saturday, before that, no problems at all in my area.
Apr 25, 2014, 11:31 pm
#42
Join Date: Dec 2013
Posts: 3,504
$1999.99 and $2000.00 is any less suspicious? C'mon man. I haven't heard anything about $2K or less being filed as a SAR.
Last edited by ericdabbs; Apr 25, 2014 at 11:42 pm
Apr 25, 2014, 11:40 pm
#43
Join Date: Sep 2005
Location: Tucson - Seattle
Programs: UA 1K;
Posts: 2,474
This is definitely spreading... pretty much every WM in Socal that I've come across has their cashiers parroting this policy. Going up to Seattle this weekend, hopefully it hasn't spread up there yet. Have $10k OV's I need to liquidate, even if I had to do it on vacation.
One WM is virtually halted for MS as the cashiers are instructed to inspect debit cards and swipe them on the register. No name..no swipe
The others have not gone that far...yet
A turnover in cashiers will do much to help a fading of the get tough policy.
...or is that just wishful thinking.
Apr 25, 2014, 11:58 pm
#45
Join Date: Feb 2013
Location: NYC
Programs: UA 1K, AA EP, Hyatt Diamond, SPG Platinum, M life Noir
Posts: 1,279
I'm just relaying how I understand the rules, I don't make them. http://www.fincen.gov/financial_inst...reference.html