I reloaded all 4 of mine on Sunday (2 days ago). The $6K/month is working great for me by the way... I wish I knew about that before.

I should have another amex gift card by Thursday and I'll confirm they are still letting me load.... FYI: PM me and I'll give you another method for moneypak here in NC

I think he was saying that he doesn't want to draw more attention to him buy depositing large sums of cash into his bank in addition to already depositing MOs into his bank (most likely purchasing them with VGC).

Can confirm loaded 4k onto 4 different AFTs using AGC here in SLC.

I loaded 3 AFTs yesterday with a 3K AGC. With access to a fee free ATM, these work pretty well for me. These are still available at one of the Targets near me, but I haven't seen them at the other SuperTargets that I frequent.

I'm betting that Target and Amex will support these for a long time as the fee structure likely makes them profitable. We'll see.

What's with the attitude? This poster is into MSing with MOs and does not want to add suspicion to his bank by bringing cash in along with the MOs.

You didn't answer his question in any case...

In my case, yes that adds to the risk somewhat. If you have a good relationship with the bank that you deal with, its ok. When I had a building project I used to withdraw loads of cash all the time, and sometimes deposited more back. But I am sure that if someone was watching my activity for a reason, especially if I had tons of MOs, it might boost the suspicion somewhat.

OP just totally misunderstood what the previous poster was saying with that post. Its alright. Nothing to see here. I am sure he/she understands now what the previous poster really meant.

If you need to pay back a Visa or MC you could always BP directly with cash. That what I do with a lot of my AFT cash.

If I don't have room to top off Serve cash loads, I buy money orders and use them for cc payments since WM billpay has been spotty, or use them to pay rent.

If you read gasguru's post, he is concerned about that amount of deposits to his checking accounts. Depositing even more MOs is not going to help him.

However, he should be able go to most CheckFreePay locations and pay V or MC with cash. WM and KM being the most obvious. You'll probably have to shop around and see what the places payment fees are (if you want to go somewhere other than WM or KM to reduce the volume you do through those locations) but a couple of bucks extra is worth it to keep checking accounts alive IMO.

EDIT: Just re-read your post and realized you could mean buying MO and mailing them to the CC company. Depending on your volume this is probably not a good idea considering the highest denomination MO you can buy is $1k. BPing with cash at a CheckFree location is a better option since payment amount can be higher so the number of payments is lower.

Call me crazy but I take a lot of my AFT cash and load it to BB, and then pay my CC bills with BB. I know it's an extra step but one I'm willing to take so I am not depositing cash to my bank or in on the MO game.

I'm wondering if this card is worth getting into at the low level I'm considering it. Basically, one $1000 load per month on my Club Carlson card. Every other month, I'd unload an additional $400 to clear it out. In other words:

Month 1: $1000 load ($3), $400 W/D x2 ($6 ($3+$1.50+$1.50)
Month 2: $1000 load ($3), $400 W/D x2 ($10.50 ($3+$3+$1.50+$1.50+$1.50)

Total cost: $22.50 for 10K points. Over 12 months, that's $135 for 60K points. With the 1+1 CC benefit, that should be at minimum $750 worth of points (I'm redeeming 200K points for $3K rack rate in the Fall). Back out the $135 and it's still roughly a $600 profit.

Is there no love in this game for the meek? I'd rather not have to track it as closely as the wiki outlines. :P

I also feel like just putting $1K/mo in cash into my bank account wouldn't cause any scrutiny, either.

This is what I meant. None of the checkfree locations near me are functional anymore. Each cc company treats MO payments differently. I mailed 4 (1K) money orders to pay my FIA Amex and they posted it as one payment instead of 4 separate 1k payments. It also posted to my account within two business days of mailing. Navy Federal on the other hand posted 5 (1k) MOs as five separate payments and put a payment hold on my account for a few days.

Can you explain how you got up to 6k? I've seen others make reference to this, but can't find the post explaining how to get past the 5k limit? Are you just loading both cards at the same time when you're already at 4k in the same transaction?

I just had a customer service desk rep(I always go to the customer service desk, in about 5 locations it has been painful trying to load at a regular register) tell me twice that the AFT can't be loaded by a gift card, but then I'm pretty sure she easily saw me use a AGC to load it and then just asked me for the last 4 and didn't ask to physically see the card. Not sure what that was about, she seemed like she was going to be tough to deal with but fortunately it all worked out.