Apologize.
Mixed up GCs with MOs :(

amount/frequency limits changed?
 

Since last Thursday, I have encountered a lot of "DEBIT NOT APPROVED CALL AUTHORIZER" when loading the card. I checked all failed debit cards(BIN 4358 80, 4912 77 and 4097 58) transactions online and saw that all transactions went through first, then got reversed. Several times, my bank debit card with my name & chip also got hit with " DEBIT NOT APPROVED CALL AUTHORIZER". I checked the bank card transactions later, seeing several approved/reversal lines.

don't know what's going on. Is Discover changing the loading amount/frequency limits? The transaction history DP seems to indicate it is not from the banker issuers/networks, nor Walmart.

I am in the Midwest region.

you're hitting load limits. Time to start getting meticulous with tracking your loads

here is my last 30 days loading history. I can't figure out which limit has been hit. no more loading after 4/27

Transaction Date Transaction Description Transaction Type Debit Credit Balance
04/27/2025 Cash Added at S Credit 0 $299.00 $7,509.37
04/25/2025 Cash Added at S Credit 0 $500.00 $7,210.37
04/23/2025 Cash Added at S Credit 0 $999.00 $9,710.37
04/21/2025 Cash Added at S Credit 0 $999.00 $8,711.37
04/20/2025 Cash Added at S Credit 0 $999.00 $7,712.37
04/17/2025 Cash Added at S Credit 0 $999.00 $6,713.37
04/15/2025 Cash Added at S Credit 0 $400.00 $6,723.25
04/13/2025 Cash Added at K Credit 0 $198.00 $10,647.06
04/13/2025 Cash Added at K Credit 0 $198.00 $10,449.06
04/13/2025 Cash Added at B Credit 0 $299.00 $10,251.06
04/13/2025 Cash Added at S Credit 0 $198.00 $9,952.06
04/11/2025 Cash Added at S Credit 0 $198.00 $9,754.06
04/09/2025 Cash Added at S Credit 0 $999.00 $9,556.06
04/07/2025 Cash Added at B Credit 0 $400.00 $8,557.06
04/06/2025 Cash Added at S Credit 0 $999.00 $8,157.06
Total $8,684.00

what did you do April 1-5? It's 20 loads per CALENDAR month, as per their own terms

no loading between 4/1-4/5. The last load was on 3/25.

yeah I don't know. See what happens May 1

Do you have 2 Discover checking accounts?

How is it related to the problem?

you mention run it as credit. I tried just paying at self check Walmart for groceries and partial payment with a secure spend visa. I hit the partial payment button entered in $4.18 (since left over I wanted to use ) swiped the vgc. Got a cash back or not which I pressed no. I didn’t get to enter a pin but it automatically ran and then got declined for $4.18. Tried if again and still denied. Then tried my one debit pay via qr scan on my phone and inserting it in and both ways got denied too when I was just trying to pay for the items. Ended up having to use a cc Amex instead.

before I did see while using the staples card and swiped it, it would ask for cash back or not I would enter no then would prompt for pin.which would enter and it would run and get approved for the $200. I have not tried a staples again

any thoughts ?

Since the original published load limit was a monthly max of 20 loads or $20k, and we know the latter is actually $10k, maybe the former is actually 15 as it appears you have hit.

That is what I figured.

Has your card been locked? You may need to call.

Happened to me once. Tried several times to get a partial payment to work, failed and card was locked. Had to call and get another sent to me for the ten or twelve dollars on it. :(

Yesterday I tried to buy batteries for $9 at a WM. No go -- I forgot that SS visa don't work at all in FL WM's. The card did not get locked -- later paid with that card at a grocery store.

Does Amex work at thegiftcardshop? I remember a few years ago they stopped giving spend at a lot of the online GC sellers.