May 29, 2014, 7:43 pm

FlyerTalk Forums Expert How-Tos and Guides

Last edit by: prasha11

Does not work anymore, is dead..... what is the point to report 'not working'?

As of 08/25/2014, Bancorp cards (Vanilla Visa, OneVanilla, etc.) are rarely working first try for debit transactions at Walmart. There is no apparent geographical basis. Basically, it's a crapshoot.

Do not agitate a cashier or store and lose the ability to make these transactions in the future. Multiple failed swipes or transactions will likely increase scrutiny. You do not want that. It is best to stop using these cards.

Vanilla VISA defaulting to credit
As of 5/29/2014, at most Walmart locations, all Vanilla VISA cards issued by The Bancorp Bank are automatically recognized as credit. Most Mastercard have required a workaround for some time. The MoneyCenter Express (ATM, kiosk, Kate) is not affected by this change.

MO Purchases using OV @ WM

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Oct 10, 2014, 10:16 pm

#3181

ZzzzX

Join Date: Apr 2014

Posts: 1,273

Quote:

Originally Posted by Hbax

Yesterday I hit the suburban KATE, and it was an unmitigated disaster. I could have swiped until the cows came home, and not one single OV would load, no matter what I did.

Tonight I went to see my KATE, and BAM, BAM, BAM. Every single OV loaded on the first swipe. What a girl.

That makes no sense at all. It must be a system patch that has done this. For one weekend my WM could not process any Chase cards. They were all declined--for no reason.

So far I've stayed away from OV to load at WM because my Kate is 40 minutes away.

Oct 10, 2014, 11:40 pm

#3182

ftomasze

Join Date: May 2014

Location: PHL

Programs: SW CP, SPG Gold, Hilton Gold

Posts: 571

Quote:

Originally Posted by commdiver

Good Lord, dude. Please, tell me that MSing is your day job.

I'm there 3-4 times a week.
When my wife asks me where I'm going I tell her, "To poke Kate." She rolls her eyes.

Oct 11, 2014, 12:10 am

#3183

Brugge

Join Date: Sep 2013

Programs: AA Lifetime Gold

Posts: 3,677

Quote:

Originally Posted by commdiver

Good Lord, dude. Please, tell me that MSing is your day job.

Day job, night job, part time job, hobby, and total addiction. Doesn't have a life outside of Wm.

Oct 11, 2014, 7:27 am

#3184

Mamibear

Join Date: Jul 2014

Posts: 3,688

Just loaded 6 OVs to Serve at Kate with one swipe each. Seems like they're working again. Perfect timing for the free GC offer at WAG that ends today.

Oct 11, 2014, 7:34 am

#3185

healthnut

Join Date: Sep 2013

Location: SNA/LAX

Posts: 1,407

Quote:

Originally Posted by Mamibear

Just loaded 6 OVs to Serve at Kate with one swipe each. Seems like they're working again. Perfect timing for the free GC offer at WAG that ends today.

Were you unable to a few days ago?

Interested in hearing if anyone has been successful when they weren't a few days ago. I didn't have success through Evolve, Kate, or the register. I will try again today and post back, especially with the WG deal! Worst case is AP is still available!

Oct 11, 2014, 8:23 am

#3186

Stgermainparis

Join Date: Feb 2013

Programs: Hyatt Globalist, MLife Gold, Marriott Gold, HHonors Gold, Caesars Diamond, Amex Plat

Posts: 5,943

Does anyone know if WM will cash an MO purchased at Kate? Read online they won't (which strikes me as odd). If not, suggestions on where to cash out? I don't want to deposit in bank account.

Oct 11, 2014, 8:31 am

#3187

Stoughton

Suspended

Join Date: May 2010

Posts: 2,998

Quote:

Originally Posted by Stgermainparis

Does anyone know if WM will cash an MO purchased at Kate? Read online they won't (which strikes me as odd). If not, suggestions on where to cash out? I don't want to deposit in bank account.

Why?

Oct 11, 2014, 8:37 am

#3188

Stgermainparis

Join Date: Feb 2013

Programs: Hyatt Globalist, MLife Gold, Marriott Gold, HHonors Gold, Caesars Diamond, Amex Plat

Posts: 5,943

Quote:

Originally Posted by Stoughton

Why?

I just want an easy alternative.

Oct 11, 2014, 8:46 am

#3189

tuphat

Join Date: Oct 2013

Posts: 1,322

Quote:

Originally Posted by ericdabbs

Why is that WM is so special to Bancorp that they only want WM transactions to be credit. That doesn't make any sense.

Credit interchange fees (earned by card issuers) are more than debit fees, so the card issuer will naturally prefer the transaction to be processed as a credit transaction.

Oct 11, 2014, 9:00 am

#3190

healthnut

Join Date: Sep 2013

Location: SNA/LAX

Posts: 1,407

Quote:

Originally Posted by Stgermainparis

Does anyone know if WM will cash an MO purchased at Kate? Read online they won't (which strikes me as odd). If not, suggestions on where to cash out? I don't want to deposit in bank account.

I assume they won't because that would be a cheap ulterior route to withdrawing cash in great amounts (greater than cash back option at the register, at least). IE You could use your debit to get a money order for $.70, then turn around and ask them to cash it out. That's much cheaper than using their ATM, which I'm sure they would like the fees on.

Oct 11, 2014, 9:04 am

#3191

Stoughton

Suspended

Join Date: May 2010

Posts: 2,998

Quote:

Originally Posted by healthnut

I assume they won't because that would be a cheap ulterior route to withdrawing cash in great amounts .

It's because WM doesn't cash hand written checks

Oct 11, 2014, 10:50 am

#3192

prasha11

Join Date: Feb 2012

Location: Los Angles

Posts: 2,101

Quote:

Originally Posted by Stoughton

Why?

One of the reasons I can think is if the bank account is overdrawn

Oct 11, 2014, 10:52 am

#3193

mplst

Join Date: May 2014

Posts: 44

Quote:

Originally Posted by healthnut

Yes, but they charge $3- $6 to cash a check/MO.

And they will cash a money order as long as it isn't printed the same day. They have to call money gram on it, so it is a hassle.

Oct 11, 2014, 11:01 am

#3194

Stgermainparis

Join Date: Feb 2013

Programs: Hyatt Globalist, MLife Gold, Marriott Gold, HHonors Gold, Caesars Diamond, Amex Plat

Posts: 5,943

Quote:

Originally Posted by mplst

Yes, but they charge $3- $6 to cash a check/MO.

And they will cash a money order as long as it isn't printed the same day. They have to call money gram on it, so it is a hassle.

Thanks for all that info. I may give it a try. See how long/irritating it is.

Oct 11, 2014, 11:32 am

#3195

ericdabbs

Join Date: Dec 2013

Posts: 3,507

Quote:

Originally Posted by tuphat

Credit interchange fees (earned by card issuers) are more than debit fees, so the card issuer will naturally prefer the transaction to be processed as a credit transaction.

That is not the point. If that were the case, then every store you used the OV should be defaulted to credit if they wanted to maximize revenue. But we know that is not the case. So that doesn't explain why EVERY other store that I have been to besides WM defaults to debit when I try to use it. I think when you slide your card, Bancorp wants it to be processed as debit but is being overwritten by the WM software to process it as credit which is why it takes 3 secs or so before it gives you the DEBIT NOT AVAILABLE message. I even remember the first time when this issue was occurring back in May so I decided to buy a candy bar at WM just to set a PIN. Guess what, a $0.50 candy bar transaction was denied when I tried the workaround and process it as debit. I told the cashier to try again and it worked but again this was only a $0.50 transaction.

Why would they just kill that avenue that was giving them so much revenue via debit transactions even though its smaller? With credit they get way less revenue at WM which BB/Serve loads provides serious transactions.