May 29, 2014, 7:43 pm
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.
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
Jun 8, 2014, 11:50 pm
#796
Join Date: Jan 2014
Location: LAX/BUR
Posts: 525
For people who buy the MetaBank VGCs at grocery stores... How does this usually go down? I know CVS has limits and what not. Not sure if grocery stores have these. Or if they don't prefer going for $5k at a time. How much do you usually buy at once?
I may move to this even though they're $1 extra than CVS just to make my life easier at WM.
I may move to this even though they're $1 extra than CVS just to make my life easier at WM.
Jun 9, 2014, 12:18 am
#797
Suspended
Join Date: May 2012
Location: ORD
Programs: AA, UA, AS, DL, BA, F9, IHG Plat, HH Gold, CC Gold, SPG Gold, MR Silver
Posts: 1,786
And the trolls poke their heads up without all the facts yet again
The 'stack' in question had exactly 4 OV cards and they were put on the counter on my side - at waist level of the cashier and virtually impossible for her to see unless she were to physically come around to the other side. I had 6 total on me and the other 2 were in my pocket.
Before you call someone stupid or assume common sense wasn't used - please do the courtesy of doing the same yourself. I am well aware of the need to be discrete and play it cool while MS'ing. If the person I was dealing with the MC today had told me no go on the OV for a MO, I would (as I have in the past) said thanks and walked straight out.
The 'stack' in question had exactly 4 OV cards and they were put on the counter on my side - at waist level of the cashier and virtually impossible for her to see unless she were to physically come around to the other side. I had 6 total on me and the other 2 were in my pocket.
Before you call someone stupid or assume common sense wasn't used - please do the courtesy of doing the same yourself. I am well aware of the need to be discrete and play it cool while MS'ing. If the person I was dealing with the MC today had told me no go on the OV for a MO, I would (as I have in the past) said thanks and walked straight out.
Jun 9, 2014, 6:15 am
#798
Join Date: Apr 2014
Posts: 1,273
For people who buy the MetaBank VGCs at grocery stores... How does this usually go down? I know CVS has limits and what not. Not sure if grocery stores have these. Or if they don't prefer going for $5k at a time. How much do you usually buy at once?
I may move to this even though they're $1 extra than CVS just to make my life easier at WM.
I may move to this even though they're $1 extra than CVS just to make my life easier at WM.
Jun 9, 2014, 6:23 am
#799
Join Date: Apr 2014
Posts: 1,273
Did you all see this? Stumbled on it via a google search.
http://travelwithgrant.com/2014/05/3...ads-difficult/
http://travelwithgrant.com/2014/05/3...ads-difficult/
Jun 9, 2014, 6:41 am
#800
Join Date: Feb 2007
Posts: 647
Did you all see this? Stumbled on it via a google search.
http://travelwithgrant.com/2014/05/3...ads-difficult/
http://travelwithgrant.com/2014/05/3...ads-difficult/
Jun 9, 2014, 7:37 am
#801
Join Date: Feb 2014
Location: PHL
Posts: 930
And the trolls poke their heads up without all the facts yet again
The 'stack' in question had exactly 4 OV cards and they were put on the counter on my side - at waist level of the cashier and virtually impossible for her to see unless she were to physically come around to the other side. I had 6 total on me and the other 2 were in my pocket.
Before you call someone stupid or assume common sense wasn't used - please do the courtesy of doing the same yourself. I am well aware of the need to be discrete and play it cool while MS'ing. If the person I was dealing with the MC today had told me no go on the OV for a MO, I would (as I have in the past) said thanks and walked straight out.
The 'stack' in question had exactly 4 OV cards and they were put on the counter on my side - at waist level of the cashier and virtually impossible for her to see unless she were to physically come around to the other side. I had 6 total on me and the other 2 were in my pocket.
Before you call someone stupid or assume common sense wasn't used - please do the courtesy of doing the same yourself. I am well aware of the need to be discrete and play it cool while MS'ing. If the person I was dealing with the MC today had told me no go on the OV for a MO, I would (as I have in the past) said thanks and walked straight out.
Jun 9, 2014, 7:38 am
#802
Join Date: Feb 2014
Location: PHL
Posts: 930
For people who buy the MetaBank VGCs at grocery stores... How does this usually go down? I know CVS has limits and what not. Not sure if grocery stores have these. Or if they don't prefer going for $5k at a time. How much do you usually buy at once?
I may move to this even though they're $1 extra than CVS just to make my life easier at WM.
I may move to this even though they're $1 extra than CVS just to make my life easier at WM.
Jun 9, 2014, 9:25 am
#804
FlyerTalk Evangelist
Join Date: Apr 2002
Location: Madison, WI, USA
Posts: 14,162
Dude, you got out four GCs and then proceeded to walk the WM employee through MSing. How of Earth is that discrete or using common sense? While MSing is 100% legal and 100% logical to us, it sounds fishy to anyone else. You did yourself (and anyone else who uses that WM to MS) a disservice. I am not trying to be mean or rude, but come on...
Jun 9, 2014, 9:44 am
#805
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
For people who buy the MetaBank VGCs at grocery stores... How does this usually go down? I know CVS has limits and what not. Not sure if grocery stores have these. Or if they don't prefer going for $5k at a time. How much do you usually buy at once?
I may move to this even though they're $1 extra than CVS just to make my life easier at WM.
I may move to this even though they're $1 extra than CVS just to make my life easier at WM.
Jun 9, 2014, 9:53 am
#806
Join Date: May 2014
Posts: 84
I wasn't trying to start a bash-fest. It seemed to me that the MC rep could see the cards and receipts on the counter. And she did clearly mention that the system would automatically see them as credit.
Again, not trying to start anything. Sorry.
Again, not trying to start anything. Sorry.
Jun 9, 2014, 10:05 am
#807
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
Let's be as discreet as possible and offer tips on how to remain discreet. I think everyone's point has been made. Back to biz as usual folks.
Jun 9, 2014, 10:20 am
#808
Join Date: Feb 2014
Posts: 511
For people who buy the MetaBank VGCs at grocery stores... How does this usually go down? I know CVS has limits and what not. Not sure if grocery stores have these. Or if they don't prefer going for $5k at a time. How much do you usually buy at once?
I may move to this even though they're $1 extra than CVS just to make my life easier at WM.
I may move to this even though they're $1 extra than CVS just to make my life easier at WM.
I don't think I could find a grocery store that would allow more than $1k a visit and more than a couple K a week. You're usually better off getting them when you are grocery shopping anyway ($500 GC coupled with 15-20 grocery items looks a lot less odd than throwing down a couple GCs and nothing else) or making a run and hitting up a few stores for $500-1k at each.
Jun 9, 2014, 10:22 am
#809
Join Date: Jun 2014
Posts: 1
Legality of the Wal-Mart Workaround
This is not your typical, I don't understand MS, therefore it must be illegal, thread.
Wal-Mart recently stopped accepting OneVanilla Debit Cards and Vanilla Gift Cards as debit cards. As a result, one can no longer buy money orders or load money cards with said debit cards. However, the FlyerTalk crew has been advocating the use of a "workaround." Essentially, there is a way to trick Wal-Mart's system into accepting these debit cards.
My question is: How is this not a crime? A workaround sure seems like a "scheme or artifice."
This isn't regular MS. This is the exploitation of a system flaw.
If you can't convince a friend MS is legit, how are you going to convince a jury of your peers?
Flame on!
18 U.S. Code § 1343 - Fraud by wire, radio, or television
Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, transmits or causes to be transmitted by means of wire, radio, or television communication in interstate or foreign commerce, any writings, signs, signals, pictures, or sounds for the purpose of executing such scheme or artifice, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency (as those terms are defined in section 102 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (42 U.S.C. 5122)), or affects a financial institution, such person shall be fined not more than $1,000,000 or imprisoned not more than 30 years, or both.
18 U.S. Code § 1344 - Bank fraud
Whoever knowingly executes, or attempts to execute, a scheme or artifice—
(1) to defraud a financial institution; or
(2) to obtain any of the moneys, funds, credits, assets, securities, or other property owned by, or under the custody or control of, a financial institution, by means of false or fraudulent pretenses, representations, or promises;
shall be fined not more than $1,000,000 or imprisoned not more than 30 years, or both.
Wal-Mart recently stopped accepting OneVanilla Debit Cards and Vanilla Gift Cards as debit cards. As a result, one can no longer buy money orders or load money cards with said debit cards. However, the FlyerTalk crew has been advocating the use of a "workaround." Essentially, there is a way to trick Wal-Mart's system into accepting these debit cards.
My question is: How is this not a crime? A workaround sure seems like a "scheme or artifice."
This isn't regular MS. This is the exploitation of a system flaw.
If you can't convince a friend MS is legit, how are you going to convince a jury of your peers?
Flame on!
18 U.S. Code § 1343 - Fraud by wire, radio, or television
Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, transmits or causes to be transmitted by means of wire, radio, or television communication in interstate or foreign commerce, any writings, signs, signals, pictures, or sounds for the purpose of executing such scheme or artifice, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency (as those terms are defined in section 102 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (42 U.S.C. 5122)), or affects a financial institution, such person shall be fined not more than $1,000,000 or imprisoned not more than 30 years, or both.
18 U.S. Code § 1344 - Bank fraud
Whoever knowingly executes, or attempts to execute, a scheme or artifice—
(1) to defraud a financial institution; or
(2) to obtain any of the moneys, funds, credits, assets, securities, or other property owned by, or under the custody or control of, a financial institution, by means of false or fraudulent pretenses, representations, or promises;
shall be fined not more than $1,000,000 or imprisoned not more than 30 years, or both.
Jun 9, 2014, 10:43 am
#810
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,375
For people who buy the MetaBank VGCs at grocery stores... How does this usually go down? I know CVS has limits and what not. Not sure if grocery stores have these. Or if they don't prefer going for $5k at a time. How much do you usually buy at once?
I may move to this even though they're $1 extra than CVS just to make my life easier at WM.
I may move to this even though they're $1 extra than CVS just to make my life easier at WM.
While I don't buy GCs from groceries too frequently ($10-15k a month, majority of my MS comes from CVS), most have register limits in place around $500 and those that don't the cashiers still look at you funny. Especially if you went in there with any sort of volume.
I don't think I could find a grocery store that would allow more than $1k a visit and more than a couple K a week. You're usually better off getting them when you are grocery shopping anyway ($500 GC coupled with 15-20 grocery items looks a lot less odd than throwing down a couple GCs and nothing else) or making a run and hitting up a few stores for $500-1k at each.
I don't think I could find a grocery store that would allow more than $1k a visit and more than a couple K a week. You're usually better off getting them when you are grocery shopping anyway ($500 GC coupled with 15-20 grocery items looks a lot less odd than throwing down a couple GCs and nothing else) or making a run and hitting up a few stores for $500-1k at each.