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Plastiq for rent, tuition, utilities, etc.(2018 onwards)

Plastiq for rent, tuition, utilities, etc.(2018 onwards)

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Old Nov 26, 18, 12:41 am   -   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: RedSun
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This is the thread for 2018. The previous discussion can be found here.

Updated Nov-2018: A lot of the personal Visa CCs are out at Plastiq. They will be treated as cash advance and won't receive any rewards. Only Capital One personal Visa CCs are not affected. Business Visa CCs are still good. The best CCs are Mastercard and Discover. AmEx CCs can still be used, but not on many of the payment types. Chase personal Visa cards are limited to the cash advance limit (typically 20% of CL). The details are listed as below:
https://help.plastiq.com/hc/en-us/ar...l-Card-Changes

Successful Credit Cards Used (Posted as Purchase, Visa info outdated)
Amex Blue Business Plus
Amex Open SPG Business
AMEX SPG (non-business)
AMEX Delta business
AMEX business platinum and business gold (Canadian)
BofA - Amtrak World MC
BofA - Business Advantage Travel Rewards MC
BofA - Virgin Atlantic MC
Barclaycard Aviator Red/Silver MC
Barclaycard Arrival World MC
Chase Ink Cash Visa
Chase Ink Plus Visa
Chase Ink Preferred Visa
Chase Hyatt Visa (x2)
Chase BA Visa
Chase United MileagePlus Explorer
Chase United MileagePlus Club
Chase Sapphire Preferred (should give 2x, similar to CSR -- probably expired as of 6/5/17)
Chase Sapphire Reserve (3x, coded as travel -- this appears to have expired as of 6/5/17)
Citi Prestige MC
Citi Premier MC
Citi AT&T Access More MC (3x for rent category, misc. government services)
Citi AA Platinum MC
FIA Fidelity Mastercard
US Bank Altitude Reserve Visa

Successful Payees:
AAA (Socal, Santa Ana) insurance: Electronic payment: Processed 5/21 (Sunday), Complete 5/23, Arrived-Posted 5/26
ACS: took about 2 weeks to post
BMW Financial: Processed 10/13, Sent 10/14, Arrived-Posted 10/19
Caliber Home Loans: Processed 12/09, Sent 12/11, Arrived-Posted 12/18
Cedent mortgage
Chase Mortgage (sends check): 2 week turnaround
Citi Mortgage: Electronic - less than 1 week turnaround as of May 2017
Citizen's Auto Finance - Around 1 week.
CRA Personal Tax & GST/HST remittances
Firstmark Services (student loan, electronically remitted)
Fidelity Bank (Mortgage) https://www.fidelitybank.com/ks/Home.aspx
Flagstar Bank (Mortgage), electronic payment, posts in 2-3 days.
George Mason University: Over a week and a half.
Infiniti Financial: Processed 10/13, Sent 10/14, Arrived-Posted 10/21
Lexus Financial. Processed 3/9/16, Posted 3/14/19
Morgan Stanley Home Loans: Processed 01/14, Sent 01/15, Arrived-Posted 01/21
NA Shade & Associates LLC
National Grid Electric MA: 1 week turnaround
National Grid Gas MA: 3 week turnaround, sends physical check
Nationstar Mortgage, electionic payment, post in 2-3 days.
New York Community Bank (NYCB) Mortgage: check mailed by Plastiq 4/27, posted 5/1.
"NJ City" Tax: Processed 01/21, Sent 01/22, Arrived-Posted 02/01
Penfed Mortgage: 1 week turnaround
PennyMac Mortgage: 1-1.5wk turnaround
TCF Mortgage: 1.5 week turnaround
TD Bank Mortgage (EFT)
Toyota Financial
Wawanesa USA Insurance
Wells Fargo Mortgage: Processed 10/8, Sent 10/9, Arrived-Posted 10/16
Wells Fargo Mortgage: Processed 8/6, Sent 8/9, Posted 8/16

Restrictions
New VISA payments are not being accepted for mortgages.
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Old May 30, 18, 1:06 pm
  #136  
 
Join Date: Apr 2018
Posts: 13
I'm just getting annoyed by Plastiq constantly stopping my payments for prepayment of utilities, or for rent (even if I'm not the master tenant). Very hard to actually use it in my case.
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Old May 30, 18, 2:18 pm
  #137  
 
Join Date: Jan 2013
Programs: AA EP, SPG Plat
Posts: 2,113
Anyone having issues connecting to Citi Masterpass? The site doens't seem to recognize my login..
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Old May 30, 18, 9:12 pm
  #138  
 
Join Date: Jul 2017
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Originally Posted by CzarZ View Post
I'm just getting annoyed by Plastiq constantly stopping my payments for prepayment of utilities, or for rent (even if I'm not the master tenant). Very hard to actually use it in my case.
They're stopping some of my payments too. Tried to send $500 daily June 1 to Sep 30 to a company with whom I have a refundable contract in place (and decades of trust,) and even though it should be allowable per their rules, they've cancelled it and said I had to pay that company another way.
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Old May 31, 18, 7:34 am
  #139  
 
Join Date: Sep 2005
Location: Columbia, SC
Programs: AA Plat, SPG/Marriot Gold, HHonors Diamond, Hyatt Expl
Posts: 2,357
My first Masterpass payment was scheduled to charge today and it failed. I've re-scheduled it, let's see if it goes through...
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Old May 31, 18, 5:29 pm
  #140  
 
Join Date: May 2018
Posts: 5
if CSR gets eliminated, is it worth it to use CIC on Plastiq?
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Old Jun 1, 18, 9:40 am
  #141  
 
Join Date: Feb 2011
Location: Sao Paulo via Houston via Washington D.C via Boston via New York
Posts: 1,163
heads up, anyone that has any cards listed as cash advance, you've been warned - https://plastiq.zendesk.com/hc/en-us...s/360005215254
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Old Jun 1, 18, 10:21 am
  #142  
 
Join Date: Dec 2004
Posts: 6,762
Originally Posted by macdonaldj2 View Post
heads up, anyone that has any cards listed as cash advance, you've been warned - https://plastiq.zendesk.com/hc/en-us...s/360005215254
At the top of the post, it says Mastercard is unaffected. Then in the table it lists Citi ThankYou Premier as being affected. Hasn't this card only ever been a Mastercard and not a Visa?

EDIT: Plastiq confirmed Citi Thank You Premier is not affected.

Last edited by rrgg; Jun 1, 18 at 11:49 am
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Old Jun 1, 18, 4:46 pm
  #143  
Etp
 
Join Date: Oct 2017
Posts: 31
Any DP or info about the cash advance status of US Bank Altitude Reserve?
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Old Jun 2, 18, 5:37 pm
  #144  
 
Join Date: Sep 2015
Programs: AA
Posts: 82
Hi all. Just recently got the Capital One Venture card. I wold like to pay my rent with it but my rental agency insists on direct deposit for their rentals. If I set Plastiq to pay my spouse, would this show as a cash advance and would I get credit for it? Sorry for the newb question....I'm very new to the points earning game.
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Old Jun 3, 18, 2:55 am
  #145  
 
Join Date: Sep 2015
Posts: 408
Originally Posted by Rebel54 View Post
Hi all. Just recently got the Capital One Venture card. I wold like to pay my rent with it but my rental agency insists on direct deposit for their rentals. If I set Plastiq to pay my spouse, would this show as a cash advance and would I get credit for it? Sorry for the newb question....I'm very new to the points earning game.
​​​​​
you might get stopped by plastiq for paying your spouse.
you could ask your rental agency to apply for an account with plastiq, then you would be able to ach to rental agency but that might a struggle.
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Old Jun 3, 18, 9:07 am
  #146  
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Join Date: May 2017
Posts: 21
Originally Posted by macdonaldj2 View Post
heads up, anyone that has any cards listed as cash advance, you've been warned - https://plastiq.zendesk.com/hc/en-us...s/360005215254
Thanks!
It is getting to be very cumbersome in using Plastiq as an option.
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Old Jun 3, 18, 10:23 am
  #147  
 
Join Date: Sep 2005
Location: Columbia, SC
Programs: AA Plat, SPG/Marriot Gold, HHonors Diamond, Hyatt Expl
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Originally Posted by rrgg View Post
At the top of the post, it says Mastercard is unaffected. Then in the table it lists Citi ThankYou Premier as being affected. Hasn't this card only ever been a Mastercard and not a Visa?

EDIT: Plastiq confirmed Citi Thank You Premier is not affected.
Yeah that's weird, they list Citi ThankYou points cards, including Premier and Prestige, which to my knowledge were never VISA, but on top of the table in big red letters it says if your card is issued under MasterCard, it's not affected. So, i'm guessing Citi's cards are OK, as long as they're MC.
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Old Jun 4, 18, 5:17 pm
  #148  
 
Join Date: Sep 2011
Location: SNA
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Posts: 881
Originally Posted by eccentricfusion View Post
Got an email from Plastiq this morning. If the Masterpass promotion is worth it to you, might want to jump on it immediately.
I don't see what stops people from scheduling two $250 payments for every $500 in payments they were going to do originally, before the promotion changed.
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Old Jun 4, 18, 6:22 pm
  #149  
mia
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Originally Posted by akcae View Post
..... Premier and Prestige, which to my knowledge were never VISA,.....
Prior to 2015 many Citi products were available in both MasterCard and VISA or Amex network versions. I do not specifically recall a VISA version of Prestige issued in the USA, but it is issued in other markets, and VISA Premier was issued here.
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Old Jun 5, 18, 12:55 am
  #150  
 
Join Date: Apr 2015
Posts: 321
Originally Posted by mia View Post
Prior to 2015 many Citi products were available in both MasterCard and VISA or Amex network versions. I do not specifically recall a VISA version of Prestige issued in the USA, but it is issued in other markets, and VISA Premier was issued here.
Seriously though.... mia is like way more than a moderator. She's like "The Rock" of FT. Is there anything she can't answer? lol.
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