Old Jun 17, 2023, 12:23 am
FlyerTalk Forums Expert How-Tos and Guides
Last edit by: lowkeyflyer
DATAPOINT COLLECTION: https://forms.gle/trtMWXZp4mKUk31m7
VIEW DATAPOINTS: https://docs.google.com/spreadsheets...it?usp=sharing

Rules:

Amount limits:
1. $20 minimum load

2. $1,000 maximum per rolling 24 hours ($999 for AZ NM)
3. $7,000 maximum per rolling 7 days
4. $10,000 maximum per calendar month (formerly $20K; mixed DPs, T&C states calendar month but FTers state rolling 30 days)

Frequency limits:
5. 4 individual loads per rolling 24 hours

6. 7 individual loads per rolling 7 days
7. 20 loads per rolling 30 days.

WM limits:
8. 3 GCs max per transaction

https://www.discover.com/online-bank...cking-account/
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Old Feb 15, 2024, 6:52 pm
  #691  
 
Join Date: Feb 2016
Location: Northeastern United States
Posts: 601
Originally Posted by danhouston
decided to call in before a 3rd attempt but darn it was told that they have to mail another replacement vgc b/c the card is now locked after a 2nd declined trxn 😒; now will have to wait another 7-10 days...

How did folks liquidate a pathward-card replacement? Still need to spend less than full balance or make a small organic spend first?
I don't mess with those anymore as both Pathward and SS VGCs are too problematic in my area to be worth the time when I can get issue free Suttons just as easy.
Prometheus77 is offline  
Old Feb 15, 2024, 6:53 pm
  #692  
 
Join Date: Jan 2023
Posts: 141
Originally Posted by Prometheus77
I don't mess with those anymore as both Pathward and SS VGCs are too problematic in my area to be worth the time when I can get issue free Suttons just as easy.
where are you getting Sutton/Incomms?
dwCoffee is offline  
Old Feb 16, 2024, 7:04 am
  #693  
 
Join Date: Feb 2016
Location: Northeastern United States
Posts: 601
Originally Posted by dwCoffee
where are you getting Sutton/Incomms?
They are available in my area in certain grocery stores, gas stations, drugstores, and wholesale clubs. Even WM has a Vanilla Visa version, but they are out of stock a lot lately in my area.
Prometheus77 is offline  
Old Feb 16, 2024, 7:07 am
  #694  
 
Join Date: Jan 2023
Posts: 141
Originally Posted by Prometheus77
They are available in my area in certain grocery stores, gas stations, drugstores, and wholesale clubs. Even WM has a Vanilla Visa version, but they are out of stock a lot lately in my area.
Thanks. I have like 2-3k in Pathwaward/Metas ... going to try and switch soon.
dwCoffee is offline  
Old Feb 16, 2024, 2:31 pm
  #695  
 
Join Date: Jan 2023
Posts: 141
Well, the 2 SSVGCs (both Meta/Incomms) are being replaced. Tried even to buy something in person at a different store I go to regularly. No go - CSR was kind enough to tell me it was a fraud alert on his end.
Pathward SSVGC loaded just fine.

Will try another couple Meta/Incomms tomorrow - since they DID work 3-4 days ago.
dwCoffee is offline  
Old Feb 19, 2024, 10:54 am
  #696  
 
Join Date: Sep 2014
Posts: 206
DP:
Tried to load $500 with PW/BHN, 435880, got debit not available, card was activated a week ago. Changed PIN before loading. Did not try again. Instead, had another card which did work (PW/Incomm)

Based on what my 2 minutes of searching thread, and this being my first BHN card; appears max you can load onto discover is $480 with BHN? Will try this later in the week or a couple other methods for unloading.
Adirondacker likes this.
bargainhunter3 is offline  
Old Feb 20, 2024, 6:54 pm
  #697  
 
Join Date: Jun 2023
Posts: 56
Originally Posted by bargainhunter3
Based on what my 2 minutes of searching thread, and this being my first BHN card; appears max you can load onto discover is $480 with BHN? Will try this later in the week or a couple other methods for unloading.
latest datapoints have BHN cards only working at $99. dont buy them
upright0744 is offline  
Old Feb 20, 2024, 6:59 pm
  #698  
 
Join Date: Jul 2001
Posts: 1,754
Originally Posted by upright0744
latest datapoints have BHN cards only working at $99. dont buy them
Some BHN's definitely work for more than 99 (at least in my location) - just this week I've successfully used a few dozen Everywheres (they fall under the BHN umbrella) at 200/swipe for Discover loads at WM.
yanxfann is online now  
Old Feb 21, 2024, 5:02 pm
  #699  
 
Join Date: Jan 2023
Posts: 141
Here’s a fun DP.
Walked in late to WM… totally thought I’d be past velocity limit but figured id give it a shot.
MC, same register, back 2 back txns
1k load : SSVGC MB/IC + Vani SB/IC
1k load : SSVGC SB/IC + Vani SB/IC
dwCoffee is offline  
Old Feb 21, 2024, 6:15 pm
  #700  
 
Join Date: Jan 2021
Posts: 29
Originally Posted by dwCoffee
Heres a fun DP.
Walked in late to WM totally thought Id be past velocity limit but figured id give it a shot.
MC, same register, back 2 back txns
1k load : SSVGC MB/IC + Vani SB/IC
1k load : SSVGC SB/IC + Vani SB/IC
wow did discover raise the 24 hour limit ?
t0dd0 is offline  
Old Feb 21, 2024, 6:32 pm
  #701  
 
Join Date: Jan 2023
Posts: 141
Originally Posted by t0dd0
wow did discover raise the 24 hour limit ?
P1/P2
dwCoffee is offline  
Old Feb 22, 2024, 7:27 am
  #702  
 
Join Date: Aug 2015
Posts: 2,063
Originally Posted by dwCoffee
Here’s a fun DP.
Walked in late to WM… totally thought I’d be past velocity limit but figured id give it a shot.
MC, same register, back 2 back txns
1k load : SSVGC MB/IC + Vani SB/IC
1k load : SSVGC SB/IC + Vani SB/IC
loaded a full $500 from each?

any folks know the difference of errors between 'debit not approved' & 'debit not available'?
danhouston is offline  
Old Feb 22, 2024, 7:29 am
  #703  
 
Join Date: Jan 2023
Posts: 141
Originally Posted by danhouston
loaded a full $500 from each?
Yessir.
Hence the fun dp. I really thought the Meta/InComm would screw it all up but I felt like gambling.
dwCoffee is offline  
Old Feb 22, 2024, 7:35 am
  #704  
 
Join Date: Aug 2015
Posts: 2,063
Originally Posted by dwCoffee
Yessir.
Hence the fun dp. I really thought the Meta/InComm would screw it all up but I felt like gambling.
on the sutton bank (SB), is it from Simon or a different retailer? what's the expy date? Thx
danhouston is offline  
Old Feb 22, 2024, 7:22 pm
  #705  
 
Join Date: May 2013
Location: Sacramento, CA
Posts: 376
Data point from today in NorCal The cards were:

1. SSV BIN 4097 5817 exp 01/33 which was a replacement for prior failed SSV
2. Vanilla Sutton/Incomm BIN 4118 1038 exp 2/33 which was a replacement for a prior failed Vanilla Sutton/Incomm
3, 4, 5, 6: Vanilla Sutton/Incomms bought in the same transaction a week or so ago, all were BIN 4118 1035 exp 5/32

Cards 1, 2, and 3 failed for $250. Card 4 failed for $100.

I gave up and purchased a $12.xx item at SCO. Cards 1-4 failed as expected. Card 5 succeeded. So I went back to MC and tried again:
First $500 load: Card 5 succeeded for its remaining $487.xx, then Card 6 worked for $12.xx to total $500.
Second $500 load: Card 6 succeeded for its remaining $487.xx and I used a real debit card for the remaining $12.xx to total $500

So maybe the secret as some have suggested is to make a small purchase first, but the small purchase CAN be at MC, not necessarily SCO or a register? And maybe this is just silly, but maybe it helps if the first swipe is not for an even dollar amount so it looks like a real purchase?

Fortunately I had a very friendly and helpful CSR who knows what we're doing and even told me that Vanillas don't work & was surprised when the last two did. I'm going to be sure to leave him a good review.
Wonko is offline  

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