Oct 2, 2014, 8:14 pm
Last edit by: MasterCharge
DO NOT CALL CHASE ABOUT THIS
You might want to read more about this hear. http://dealbook.nytimes.com/2014/10/02/jpmorgan-discovers-further-cyber-security-issues/?_php=true&_type=blogs&_r=0
Oct 2nd- State of CC Loading to Serve
except to ask for a $0 cash advance limit. This can also be done via secure message.
Some Chase cardholders have reported a change in their cash advance limit after a pending charge appears for their Serve load, and they presume it means the Serve load is a cash advance. No one has reported an actual cash advance fee yet, only a pending charge of $200. This could change but this situation has happened before! In the past, such charges eventually turn into ordinary charges and the cash advance goes away.
You cannot dispute a charge while it's pending, so there's no point in asking Chase about anything that hasn't posted. No one has reported a cash advance fee, and unless you have one do not call Chase.
There are reports of a change in cash advance limits after a Serve load with the following cards::
There are also reports of NO cash advance when using the following cards. Note the overlap:
Note that some of the reports appear in the Serve thread.
You might want to read more about this hear. http://dealbook.nytimes.com/2014/10/02/jpmorgan-discovers-further-cyber-security-issues/?_php=true&_type=blogs&_r=0
Oct 2nd- State of CC Loading to Serve
except to ask for a $0 cash advance limit. This can also be done via secure message.
Some Chase cardholders have reported a change in their cash advance limit after a pending charge appears for their Serve load, and they presume it means the Serve load is a cash advance. No one has reported an actual cash advance fee yet, only a pending charge of $200. This could change but this situation has happened before! In the past, such charges eventually turn into ordinary charges and the cash advance goes away.
You cannot dispute a charge while it's pending, so there's no point in asking Chase about anything that hasn't posted. No one has reported a cash advance fee, and unless you have one do not call Chase.
There are reports of a change in cash advance limits after a Serve load with the following cards::
- Chase Sapphire Preferred
- Chase UA Explorer Visa
- Chase UA Club
- Chase Ink Bold Visa
- Also a Capital One card
- Discover IT
There are also reports of NO cash advance when using the following cards. Note the overlap:
- Chase Sapphire Preferred
- Chase UA Explorer Visa
- Chase UA Explorer MC
- Chase British Airways Visa
- Chase Southwest Visa
- Also Barclay, Citi cards (Prestige, AA), Fidelity AMEX seem to be ok
- Bank of America (Visa)
Note that some of the reports appear in the Serve thread.
Chase may be coding Amex Serve as a Cash Advance (not confirmed)
Oct 4, 2014, 5:23 pm
#211
Join Date: Dec 2004
Posts: 7,903
It seems that for anyone that has set their CA limit below what you are attempting to load onto serve, the transaction is getting declined. The serve load will temporarily remove funds from your avail. CA limit however, wait a little bit til after the purchase actually posts, and you CA limit will be back to full!
Really though this has all happened before with serve.
Oct 4, 2014, 6:45 pm
#212
Join Date: Jun 2014
Posts: 41
i find it comical how letopeto started this thread after only being on this forum less than one month and managed to get so many FTer's to follow him/her. It's a tragedy and really shows how most* FTer's are so easily misguided and impatient, like it has been said in many threads on FT in different forms "Hit it hard until it dies!"
*those that "remains under lifelong tutelage..."
*those that "remains under lifelong tutelage..."
But keep telling yourself that you've pulled yourself up out of a self-imposed minority (tutelage)...presumably by daring to know (sapere aude!), while everyone else on FT is unenlightened.
Oct 5, 2014, 9:39 am
#213
Join Date: Dec 2013
Posts: 3,506
i find it comical how letopeto started this thread after only being on this forum less than one month and managed to get so many FTer's to follow him/her. It's a tragedy and really shows how most* FTer's are so easily misguided and impatient, like it has been said in many threads on FT in different forms "Hit it hard until it dies!"
*those that "remains under lifelong tutelage..."
*those that "remains under lifelong tutelage..."
I also don't have a problem with the first 3 or so pages of folks reporting which CCs were or were not being processed as CA since that just gave us more data points. The only problem I had was folks freaking out and calling Chase AND Amex to let them know of the problem multiple times instead of letting the first transactions hit to see if it truly got charged as CA.
Oct 5, 2014, 10:06 am
#214
Join Date: Feb 2013
Location: Ground Zero
Posts: 69
Anyone able to increase CA back? It seems that they need to increase credit line in order to do that, really don't want another pull on CR.
Oct 5, 2014, 10:08 am
#215
Join Date: Dec 2004
Posts: 7,903
A less alarmist thread title would help
"AMEX Serve load declined due to $0 cash advance limit."
Oct 5, 2014, 10:09 am
#216
Join Date: Mar 2014
Posts: 108
Exactly. In addition to the golden rule (Don't call), there should be the rule "pending doesn't mean sh*t - wait until it posts".
Oct 5, 2014, 10:34 am
#217
Join Date: Dec 2013
Posts: 3,506
In this thread, the title name should have been part of the OP's post rather than the thread title. I think your suggested title of "AMEX Serve load declined due to $0 cash advance limit" would have been more appropriate since the title just documents what happened rather than making a statement.
Oct 5, 2014, 10:42 am
#218
Join Date: Oct 2014
Posts: 92
Please tell me what to do in this situation:
I have a Discover card (not Discover IT) with current cash advance of $2,000. I had no problem loading 5 times $200 into my Serve account until the beginning of October.
as of oct 5th, even I try to load just $20 (much less than my current CA limit of $2K) I still get denied and was told by Serve website to contact Discover.
My friend who got Discover IT card is in the same situation even though her CA limit is currently $600.
My impression is Serve was phasing out credit card loading gradually to minimize the cost having paid to credit card issuers?
Thanks a lot.
PS: I always pay off my CC balance each month.
I have a Discover card (not Discover IT) with current cash advance of $2,000. I had no problem loading 5 times $200 into my Serve account until the beginning of October.
as of oct 5th, even I try to load just $20 (much less than my current CA limit of $2K) I still get denied and was told by Serve website to contact Discover.
My friend who got Discover IT card is in the same situation even though her CA limit is currently $600.
My impression is Serve was phasing out credit card loading gradually to minimize the cost having paid to credit card issuers?
Thanks a lot.
PS: I always pay off my CC balance each month.
Last edited by fandi; Oct 5, 2014 at 11:19 am
Oct 5, 2014, 11:40 am
#219
Join Date: Feb 2013
Location: Chicago, IL
Posts: 10
Once the transactions convert to a "purchase" the CA limit goes back up to its original limit. Big deal.
Oct 5, 2014, 11:48 am
#220
Join Date: Aug 2014
Posts: 64
Please tell me what to do in this situation:
I have a Discover card (not Discover IT) with current cash advance of $2,000. I had no problem loading 5 times $200 into my Serve account until the beginning of October.
as of oct 5th, even I try to load just $20 (much less than my current CA limit of $2K) I still get denied and was told by Serve website to contact Discover.
I have a Discover card (not Discover IT) with current cash advance of $2,000. I had no problem loading 5 times $200 into my Serve account until the beginning of October.
as of oct 5th, even I try to load just $20 (much less than my current CA limit of $2K) I still get denied and was told by Serve website to contact Discover.
Oct 5, 2014, 11:54 am
#221
Join Date: Mar 2014
Posts: 226
This means that for services like Buxx (and now Serve) that first appear to go through as a CA before being categorized as a sale, Ink Bold simply will not work.
Oct 5, 2014, 11:56 am
#222
Join Date: Feb 2013
Location: Chicago, IL
Posts: 10
Other cards will see a decrease in their available CA limit until the Serve load converts from a temporary authorization to a "purchase" - which takes a few days. The, the CA limit will go back to its original limit. If you are loading several days in a row this can present a problem if you have a relatively small CA limit.
Oct 5, 2014, 12:03 pm
#223
Join Date: Aug 2014
Posts: 64
I was able to get my barclay US Air to work, but had not planned on using that card.
Oct 5, 2014, 12:06 pm
#224
Join Date: Oct 2014
Posts: 92
And none of us got any problems before in the past.
Oct 5, 2014, 12:29 pm
#225
Join Date: Feb 2013
Location: Chicago, IL
Posts: 10
I was not replying directly to your question; I was referring to the thread in general.