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-   -   Walmart VGC master thread (https://www.flyertalk.com/forum/manufactured-spending/2109520-walmart-vgc-master-thread.html)

upright0744 Nov 4, 2023 3:50 pm


Originally Posted by littlewinglet (Post 35719616)
Anyone tried to use the Pathward cards recently at WM or grocery for MO?

"pathward" tells us nothing. whats the style of card, whos the servicer, whats the first 6 numbers

littlewinglet Nov 4, 2023 3:59 pm


Originally Posted by upright0744 (Post 35719645)
"pathward" tells us nothing. whats the style of card, whos the servicer, whats the first 6 numbers

oh right, Its Vanilla, 409758... series. Never had issues with those before, and on same visit two SS cards worked just fine.

jumbotron_ Nov 4, 2023 4:08 pm


Originally Posted by littlewinglet (Post 35719616)
Anyone tried to use the Pathward cards recently at WM or grocery for MO? Just got 2 cards blocked, found out it's a block by calling the number on the back and had them reactivated.

Now been going in circles with an indian call center for 30min, trying to get out of them what exactly they consider "suspicious activity" and whats the thresholds. Clearly their front line phone support ppl have no clue as they repeat the same template response over and over.

Works for me as long as I wait an hour before liquidating.

littlewinglet Nov 4, 2023 4:12 pm


Originally Posted by jumbotron_ (Post 35719685)
Works for me as long as I wait an hour before liquidating.

These are from 4 days ago, so that's not the issue. May be a new thing they're doing, blocking large WM debit transactions, at least on the first attempt. I'll have to go try again in a day, or maybe try a 250/250 transactions.

knopfler Nov 4, 2023 10:52 pm


Originally Posted by chatgpt (Post 35710745)
Some Walmart stores SCO only permit the purchase of VGC to a maximum value of $1,000, while these two particular Walmart stores used to allow purchases of up to $4,000. so I usually buy 2k or 2.5k from them. I guess I have to try a smaller amount.

Yes, several WM's that I used to by $2k plus at SCO as recently as a month ago now fail if I go over $1k. In fact it even fails at the customer service desk now at those particular WM's.

Whittaker Nov 5, 2023 6:08 am


Originally Posted by littlewinglet (Post 35719662)
oh right, Its Vanilla, 409758... series. Never had issues with those before...

Serviced by Incomm?

littlewinglet Nov 5, 2023 6:53 am


Originally Posted by Whittaker (Post 35720712)
Serviced by Incomm?

of course, they're only ones who issue Vanilla GC

Whittaker Nov 5, 2023 7:31 am


Originally Posted by littlewinglet (Post 35720789)
of course, they're only ones who issue Vanilla GC

Unless things have changed recently, Pathward Vanillas also came with a different servicer.

littlewinglet Nov 5, 2023 8:04 am


Originally Posted by Whittaker (Post 35720875)
Unless things have changed recently, Pathward Vanillas also came with a different servicer.

On the back of my cards it says Incomm, they've always been only issuer of Vanilla/SS. In any case, this is first time I've had any issues with these, so I wonder if they're doing large transaction blocks to crack down on fraud.

Whittaker Nov 5, 2023 12:26 pm


Originally Posted by littlewinglet (Post 35720945)
On the back of my cards it says Incomm, they've always been only issuer of Vanilla/SS. In any case, this is first time I've had any issues with these, so I wonder if they're doing large transaction blocks to crack down on fraud.

Curious to hear if they provide you with any thresholds.

BTW, wasn't there recently a thread with reports of Pathward 4097s not working?

littlewinglet Nov 5, 2023 1:46 pm


Originally Posted by Whittaker (Post 35721533)
Curious to hear if they provide you with any thresholds.

BTW, wasn't there recently a thread with reports of Pathward 4097s not working?

I do vaguely recall the comments a few weeks ago, but can't seem to find the post now. That's why I'm curious if anyone has recent DPs that are similar to mine.

The tech support was worthless. Basically same run-around, make-up policies game as every other Indian call center like what Amex has done with IRS payments supposedly not earning rewards. They'll just invent rules to give you an explanation, and stall soon as you call them out on the BS.

I'll try the cards again tomorrow now that they're unlocked. If one doesn't work, i'll try the other with 250/swipe increments.

grayland Nov 5, 2023 3:49 pm

I am having a 4358.. Pathward.. Blackhawk (the newer one with hologram) It was declined multiple times. Card shows $500. balance and no lock
Tried other than WM also and still declined.

I have been trying to swipe 499. I don't see any DP about a swipe limit on this card.
I have been using them with no problem. I am using them because I have a convenient source with a $4.95 fee.

berombeu Nov 5, 2023 4:06 pm


Originally Posted by grayland (Post 35721949)
I am having a 4358.. Pathward.. Blackhawk (tge newer one with hologram) It was declined multiple times. Card shows $500. balance and no lock
Tried other than WM also and still declined.

I have been trying to swipe 499. I don't see any DP about a swipe limit on this card.
I have been using them with no problem. I am using them because I have a convenient source with a $4.95 fee.

The problem is BHN. For whatever reason, they are limit to how much you are swiping each time. When buying GC, only look at the "service by". If you see Sutton or Incomm, then it will work most of the time. Stay away from BHN if you can.

grayland Nov 5, 2023 4:34 pm


Originally Posted by berombeu (Post 35721999)
The problem is BHN. For whatever reason, they are limit to how much you are swiping each time. When buying GC, only look at the "service by". If you see Sutton or Incomm, then it will work most of the time. Stay away from BHN if you can.

Actually...I was using these without a problem, but think I was swiping $450 max as I was training a new card spend and moving the amounts and sources around a bit. I am aware that Blackhawk is bad news but just got careless.

I think i will just split the swipes into two smaller amounts and be rid of the card (hopefully)

I do have a unicorn that has SecureSpend @ $4.95 fee so will stick with that for as long as it lasts.

Whittaker Nov 5, 2023 10:51 pm


Originally Posted by berombeu (Post 35721999)
When buying GC, only look at the "service by". If you see Sutton or Incomm, then it will work most of the time. Stay away from BHN if you can.

'Sutton' is an issuing bank. 'Incomm' and 'BHN' are servicers.

I agree, unless someone has a very specific method for BHN serviced cards to be liquidated which they know works, don't buy any cards serviced by BHN.


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