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FlyerTalk Forums (https://www.flyertalk.com/forum/index.php)
-   Manufactured Spending (https://www.flyertalk.com/forum/manufactured-spending-719/)
-   -   Kroger Master Thread (https://www.flyertalk.com/forum/manufactured-spending/1564685-kroger-master-thread.html)

usalibido Jan 30, 2015 8:22 pm
Thanks for the info! It appears what you said is consistent with other reports: After a certain date (maybe regional, Feb. 1 for many?), CC transactions at 2k and less are allowed, and over will be cash/check only.

It is not that bad but definitely some cashiers might have gotten confused and make things difficult.


Originally Posted by PHX392 (Post 24265385)
Been shopping at local KR for years, lots of friendly cashiers see me purchasing 4k at a time, none bat an eye.

Soooooo naturally I have the memo in-hand (if anyone could tutor me in how to post as a .PDF please pm). A few things:
1 - "GPR" reloadable cards refer to the Green Dot Money Pack's that are truly reloadable. These have always been cash/check only at Kr0ger. The memo even states "no change to current practice"
2 - "Open-Loop" reloadable cards refer to all Visa/Mastercard denominations $25, $50, $100 and variable load. Transactions OVER 2k of open-loop cards (including fees) must be paid for with cash/check.
3 - "In 2015 a Point-of-Sale hard decline will be put into place to assist the store associates with these process changes." -- CVS style I'm assuming

There is no effective date on the memo itself so all the Feb 1st nonsense is just that. So until the hard-decline hits this is YMMV...then it drops to THREE variable loads per transaction.

Hope this helps.

dawgsontop Jan 30, 2015 9:14 pm
Originally Posted by PHX392 (Post 24265385)
Been shopping at local KR for years, lots of friendly cashiers see me purchasing 4k at a time, none bat an eye.

Soooooo naturally I have the memo in-hand (if anyone could tutor me in how to post as a .PDF please pm). A few things:
1 - "GPR" reloadable cards refer to the Green Dot Money Pack's that are truly reloadable. These have always been cash/check only at Kr0ger. The memo even states "no change to current practice"
2 - "Open-Loop" reloadable cards refer to all Visa/Mastercard denominations $25, $50, $100 and variable load. Transactions OVER 2k of open-loop cards (including fees) must be paid for with cash/check.
3 - "In 2015 a Point-of-Sale hard decline will be put into place to assist the store associates with these process changes." -- CVS style I'm assuming

There is no effective date on the memo itself so all the Feb 1st nonsense is just that. So until the hard-decline hits this is YMMV...then it drops to THREE variable loads per transaction.

Hope this helps.

No. The memo I have specifically states effective as of Feb. 1st. There may be different memos, but it is not nonsense.

jhn Jan 31, 2015 5:17 am
I bought a $500 Visa last night at a store part of the Kroger group and had no problem paying with CC and no mention of no CC in the future. I will buy a few more in a few days and see if anything changes.

ZzzzX Jan 31, 2015 6:41 am
Originally Posted by PHX392 (Post 24265385)
Been shopping at local KR for years, lots of friendly cashiers see me purchasing 4k at a time, none bat an eye.

Soooooo naturally I have the memo in-hand (if anyone could tutor me in how to post as a .PDF please pm). A few things:
1 - "GPR" reloadable cards refer to the Green Dot Money Pack's that are truly reloadable. These have always been cash/check only at Kr0ger. The memo even states "no change to current practice"
2 - "Open-Loop" reloadable cards refer to all Visa/Mastercard denominations $25, $50, $100 and variable load. Transactions OVER 2k of open-loop cards (including fees) must be paid for with cash/check.
3 - "In 2015 a Point-of-Sale hard decline will be put into place to assist the store associates with these process changes." -- CVS style I'm assuming

There is no effective date on the memo itself so all the Feb 1st nonsense is just that. So until the hard-decline hits this is YMMV...then it drops to THREE variable loads per transaction.

Hope this helps.
I'm wondering if the activation/purchase fee will trigger a decline.

sam_goh Jan 31, 2015 9:37 am
Courtesy of PHX392

http://tinyurl.com/lg6d3rx

knopfler Jan 31, 2015 1:00 pm
Originally Posted by sam_goh (Post 24267472)
Courtesy of PHX392
So it says you can purchase over $2,000 with cash, but then later it says to call a supervisor if anyone tries to purchase over $2,000 in a day so it can be refused. Doesn't make much sense unless they meant to specify over $2,000 in a day via cc.

skitch23 Jan 31, 2015 1:14 pm
How is paying for $2k of vgc's with a check less of a risk than paying for them with a cc? :confused:

knopfler Jan 31, 2015 1:45 pm
Originally Posted by skitch23 (Post 24268394)
How is paying for $2k of vgc's with a check less of a risk than paying for them with a cc? :confused:
The whole policy doesn't really make sense. From the wording in the flyer, it appears you can buy $1500 with CC at one register, then go buy another $1500 at another register (unless the original cashier happens to see you at another register) or another store.

ATL787 Jan 31, 2015 2:28 pm
Originally Posted by knopfler (Post 24268527)
The whole policy doesn't really make sense. From the wording in the flyer, it appears you can buy $1500 with CC at one register, then go buy another $1500 at another register (unless the original cashier happens to see you at another register) or another store.
If it's being hard coded into the POS system to trigger at $2k, I would think you won't be able to do multiples of $1.5k at different registers since your license number has to be typed in. I would think they will track it similar to CVS.

usalibido Jan 31, 2015 2:47 pm
Would it make the store more comfortable selling you more than 1k at a time because the cashiers/managers know that the system is hard-coded, kinda like CVS?

MG49 Jan 31, 2015 4:49 pm
Originally Posted by knopfler (Post 24268347)
So it says you can purchase over $2,000 with cash, but then later it says to call a supervisor if anyone tries to purchase over $2,000 in a day so it can be refused. Doesn't make much sense unless they meant to specify over $2,000 in a day via cc.
Originally Posted by knopfler (Post 24268527)
The whole policy doesn't really make sense. From the wording in the flyer, it appears you can buy $1500 with CC at one register, then go buy another $1500 at another register (unless the original cashier happens to see you at another register) or another store.
The way I understand it is if you buy them at a regular checkout lane, it is a max of $2000. Anything above that has to be done at the service desk. If a customer tries the $1500 at one register, then $1500 at another register, then they are to call a manager to deny it for trying to circumvent the max $2k policy at the register. Granted, that's if you get caught doing that.

ddallas Jan 31, 2015 6:36 pm
Originally Posted by knopfler (Post 24268527)
From the wording in the flyer, it appears you can buy $1500 with CC at one register, then go buy another $1500 at another register (unless the original cashier happens to see you at another register) or another store.
That is until they get the 2k limit in the system like CVS. So until there is a hard limit control it does look like you can go from store to store or cashier to cashier unless they see you and call a supervisor to refuse the sale.

sam_goh Jan 31, 2015 8:49 pm
Originally Posted by ddallas (Post 24269610)
That is until they get the 2k limit in the system like CVS. So until there is a hard limit control it does look like you can go from store to store or cashier to cashier unless they see you and call a supervisor to refuse the sale.
Over time, the stores can and will talk to each other. Also, at least in my area, Kroger rotates managers somewhat frequently. So as circumspect as you think you are, large volumes could draw attention.

And they do mine customer loyalty card information. We noticed that putting our phone number in seemed to help at the cashier level in terms of large purchases, since they thought we were doing fuel points. This last holidays, we got about 20 personalized Christmas cards from different local Krogers - all from MS volume. :eek:

knopfler Jan 31, 2015 10:28 pm
It will be interesting to see what happens tomorrow. Even if they code it in and tie the stores systems together, you could still buy $1980 per day for $60k per month, $120k per month if you have another family member with a DL...more than I MS per month.

PHX392 Feb 1, 2015 8:19 am
Originally Posted by skitch23 (Post 24268394)
How is paying for $2k of vgc's with a check less of a risk than paying for them with a cc? :confused:
I'd like $1,000,000 worth of auto-activated GCs please .... payment method? .... why yes, I'll just write you a check ;)


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