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FlyerTalk Forums (https://www.flyertalk.com/forum/index.php)
-   Manufactured Spending (https://www.flyertalk.com/forum/manufactured-spending-719/)
-   -   Discover Checking Loaded at Walmart (https://www.flyertalk.com/forum/manufactured-spending/2109742-discover-checking-loaded-walmart.html)

MaxVO Sep 6, 2023 3:15 pm
Originally Posted by lowkeyflyer (Post 35558924)
Can I pay P1 Chase CC bills from P2 Discover?
Discover bounced one payment 3 times in this exact scenario. I was traveling at the time, and learned the details after a couple days. Chase worked on getting my account paid and finally succeeded (without my input). They eventually waved the resulting late charges and interest too.

gp443 Sep 6, 2023 3:39 pm
Originally Posted by lowkeyflyer (Post 35555352)
Is the 4 swipe limit still in effect? I want to be the DP for it but don't want to have to deal with a manager. Liquidating at $600/load is getting slow
At WM1 success loading $400 today(200 x 2). 20 minutes later at WM2 failed attempt to load $600(200 x 3). 1 hour later WM1 success loading $400(200 x 2). Seems like I am on a new <$500 limit. Was able to do $600(4 swipes) no problem through 8/21. These were all P1. Will try same on P2 tomorrow.

lowkeyflyer Sep 6, 2023 4:32 pm
Originally Posted by MaxVO (Post 35559119)
Discover bounced one payment 3 times in this exact scenario. I was traveling at the time, and learned the details after a couple days. Chase worked on getting my account paid and finally succeeded (without my input). They eventually waved the resulting late charges and interest too.
You got lucky, Chase is notoriously strict about payments bouncing...

lowkeyflyer Sep 6, 2023 4:33 pm
Originally Posted by berombeu (Post 35559004)
you can, or you can use discover bill pay. Discover bill pay is pretty fast. I use ACH and bill pay to pay P2, P3 CC bills.
How is Discover bill pay different from initiating the payment from Chase.com?
Actually, can I even add P2's bank account to my Chase.com payment external account?

berombeu Sep 6, 2023 4:46 pm
Originally Posted by lowkeyflyer (Post 35559292)
How is Discover bill pay different from initiating the payment from Chase.com?
Actually, can I even add P2's bank account to my Chase.com payment external account?
Bill pay means you push from discover to chase cc or any cc. ACH means Chase pulls from Discover. Also if Chase is suspecting there is a fraud when you initiate payment from Chase, then they might make you to verify the "owner". Or Chase could call discover and ask who is the owner.

lowkeyflyer Sep 7, 2023 12:26 am
Originally Posted by berombeu (Post 35559004)
you can, or you can use discover bill pay. Discover bill pay is pretty fast. I use ACH and bill pay to pay P2, P3 CC bills.
What do you mean you use ACH and Bill Pay? Aren't those independent things? ACH being transferring money to your other bank accounts (P1->P1) and Bill Pay sending payments from Discover (P1-> P2 or P3)?

berombeu Sep 7, 2023 1:27 am
Originally Posted by lowkeyflyer (Post 35560022)
What do you mean you use ACH and Bill Pay? Aren't those independent things? ACH being transferring money to your other bank accounts (P1->P1) and Bill Pay sending payments from Discover (P1-> P2 or P3)?
What I mean by ACH is I went into P2 and P3 cc online accounts and adding my discover banking information there. After that, paying from theirs accounts.

ghtjyjy Sep 7, 2023 1:39 am
Originally Posted by lowkeyflyer (Post 35555352)
Is the 4 swipe limit still in effect? I want to be the DP for it but don't want to have to deal with a manager. Liquidating at $600/load is getting slow
Yes. It is always $600/load at WM if you are using 200gc.

lowkeyflyer Sep 7, 2023 1:44 am
Originally Posted by berombeu (Post 35560095)
What I mean by ACH is I went into P2 and P3 cc online accounts and adding my discover banking information there. After that, paying from theirs accounts.
Don't the P2 and P3 banks stipulate that any bank account you add must be in P2 or P3 name?

ghtjyjy Sep 7, 2023 1:49 am
Originally Posted by lowkeyflyer (Post 35560022)
What do you mean you use ACH and Bill Pay? Aren't those independent things? ACH being transferring money to your other bank accounts (P1->P1) and Bill Pay sending payments from Discover (P1-> P2 or P3)?
ACH includes pull and push money. Here berombeu calls pull money as ACH. You can not only initiate the pull from your checking account, but also from your credit card account to pay the balance. Further more, when initiating the payment from your credit card account, you can not only pull from your own checking account, but also from other's checking account, as long as you input the routing number and account number correctly. This works for those credit card accounts that do not request immediate verification using Plaid etc.

ghtjyjy Sep 7, 2023 1:52 am
Originally Posted by lowkeyflyer (Post 35560113)
Don't the P2 and P3 banks stipulate that any bank account you add must be in P2 or P3 name?
I never met any bank account stopped the payment. Some bank shows the credit card account owner's name in the transaction details. But they never stop it.

berombeu Sep 7, 2023 2:36 am
Originally Posted by lowkeyflyer (Post 35560113)
Don't the P2 and P3 banks stipulate that any bank account you add must be in P2 or P3 name?
In legal term, yes. However, I haven't had any stopped payments for years. I even add P2 and P3 ACH information to my CC and pay it from there.

lowkeyflyer Sep 7, 2023 3:14 am
Originally Posted by berombeu (Post 35560173)
In legal term, yes. However, I haven't had any stopped payments for years. I even add P2 and P3 ACH information to my CC and pay it from there.
Have you done it with both Chase and Amex?

berombeu Sep 7, 2023 3:22 am
Originally Posted by lowkeyflyer (Post 35560233)
Have you done it with both Chase and Amex?
Not only chase and amex, but also cap1 and citi.

churnfun Sep 9, 2023 4:13 pm
I'm having issues with loading Vanilla VGC (pathward/incomm) at WM. Error 'Debit not available'. Anyone has suggestions?


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