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New to Manufactured Spending? Start here(2017-2018)

New to Manufactured Spending? Start here(2017-2018)

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Old Dec 19, 18, 11:51 pm   -   Wikipost
Please read: This is a community-maintained wiki post containing the most important information from this thread. You may edit the Wiki once you have been on FT for 90 days and have made 90 posts.
Last edit by: Marathon Man
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NEW TO MS: Do some serious reading for a month of all the posts and wiki to get an understanding of MS before asking common questions.

Note: the 2016 version of this thread is here: http://www.flyertalk.com/forum/manuf...l#post27694986, the 2015 version of the thread is here: http://www.flyertalk.com/forum/manuf...re-2015-a.html

Welcome to Manufactured Spending. Marathon Man did not write this message, but he has edited it and anyone can. If you are new here, please spend some time reading before posting. Most likely your questions have already been answered multiple times. Consider deals that you share. These threads are searchable by Google. A volatile deal may be worth holding close to the vest.


1) On FT, topics are heavily consolidated. Sometimes the title of the thread and first few posts may not properly reflect the broad range of discussion inside the thread. Be sure to visit any thread relating to the product or service you want to learn more about because you might be surprised by how in depth the discussion really is. High "View Count" and "Replies" are good indicators of active "master threads" on a specific topic.

2) Use Google to search FT. It works a lot better than the built-in search.

3) A glossary wiki for MS located in the thread Glossary, Manufactured Spending Forum

Important Rules

1) MSing is very YMMV. It varies by store, manager, and right down to the cashier working at the moment. Some might argue that MS is like card counting in a casino. It is not illegal but casinos don’t like it. Orhers have said it’s like having a fake ID in college to use just to get into bars where all the fun is. Just because it worked here yesterday doesn’t mean it will get you in today. MS is like being a wood worker constantly using a table saw. Always watch what you are doing—always! Or you will lose something. That being said, always be nice and courteous in the face of rejection. The biggest secret for success is to lay low so you can try again.

2) DO NOT spend more than you can afford. START WITH SMALL AMOUNTS TO TEST THE WATER! As an example.. don't start with a $5000 purchase of VGCs if you can't afford to float that much! Instead, buy one and try it, and scale up once you are comfortable with a new method. It's easy to lose track, or get robbed, when you are handling so much money. Getting a refund is NOT always possible.

3) DO NOT ask employees, cashiers, customer service representatives, etc... about how to MS, or about things you read on this forum. The information you read here are very specific, unknown, legal uses of products or services. Most employees, cashiers, and even managers do not know about them. At best you'll get bad information. At worst you'll create a lot of unnecessary misunderstanding.

4) It bears repeating that there are no guarantees. you could easily buy $10,000 in gift cards or some other instrument, only to discover that your method for liquidating them vanishes the very next day. MS is not "normal" financial activity ("normal" being defined by the banks), and thus is often perceived as "suspicious" even if it is legal.

5) never underestimate the risk of criminal activity. gift cards can easily be stolen, loaded onto a compromised account, loaded in a debit card skimmer, or even fraudulent (e.g., an already used card put back on the rack).

6) MSing can be used for a variety of purposes, ranging from smallish amounts to meet minimum spend requirements to get a credit card signup bonus, to accumulating huge numbers of points for travel/cashback/etc. Remember too that you will often have expenses such as purchase fees, liquidation fees, and gas.

If you have a question that does not seem to fit anywhere, or you have not found an appropriate place for it, post it here.

- A helpful note from seat17D about some of the inherent risks of MS

New MSers can also read all these threads:
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Old Jan 2, 19, 4:29 pm
Join Date: Nov 2009
Location: PDX
Programs: Don't think it matters...
Posts: 5,048
Originally Posted by Mamibear View Post
True, and for light MS up to $20K per month, with 4 prepaid cards ~ 2 of S and BB is enough PROVIDED one does not get shutdown.
Is it safe to have multiple serve cards ? I have one and using it very minimally but want to expand to about $5k per month on each.
abhilife2001 is offline  
Old Jan 2, 19, 4:52 pm
Join Date: Jul 2014
Posts: 3,699
Originally Posted by abhilife2001 View Post
Is it safe to have multiple serve cards ?
I don't think there's a safe strategy with all these prepaid reloadables, it just depends on one's risk tolerance on how far one is willing and able to push the limits.
Mamibear is offline  

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