FlyerTalk Forums

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)

jeffersun Jun 12, 2025 10:56 am

the terms for the 20 loads is CALENDAR MONTH

Again, the terms....
https://www.discover.com/content/dam...tAgreement.pdf

PurpleButterfly Jun 13, 2025 10:10 pm

Discover debit to WMBP
 
Has anyone tried to use Walmart Bill pay with the Discover Debit? Does it count towards the 1% Cashback on debit transactions?

littlewinglet Jun 13, 2025 11:00 pm


Originally Posted by PurpleButterfly (Post 37145449)
Has anyone tried to use Walmart Bill pay with the Discover Debit? Does it count towards the 1% Cashback on debit transactions?

MC transactions in general count. I buy 3k of MOs at a grocery store every month and it counts as well.

bdwyfan Jun 15, 2025 7:28 am


Originally Posted by littlewinglet (Post 37145480)
MC transactions in general count. I buy 3k of MOs at a grocery store every month and it counts as well.

3 x $1000 MOs or more 6 x $500 ?

TTT103 Jun 16, 2025 6:04 am


Originally Posted by bdwyfan (Post 37147623)
3 x $1000 MOs or more 6 x $500 ?

I do 6 X $500, as the store I go to only allows MO's up to $500. Plus, I only do one per day, as Discover's fraud alert bells will go off if trying a second on in a row. YMMV.

bdwyfan Jun 16, 2025 6:33 am


Originally Posted by TTT103 (Post 37149215)
I do 6 X $500, as the store I go to only allows MO's up to $500. Plus, I only do one per day, as Discover's fraud alert bells will go off if trying a second on in a row. YMMV.

Thanks.

That's a slim profit margin.
$30 - $6 = $24
$24 ÷ $3000 = 0.8%
I suppose $24 is better than $0 but I was alway worried about the losing the MOs or something.

jeffersun Jun 17, 2025 4:07 pm

anybody having issues with GEs? Last week I went to my not usual store and the MC gave me a "host timeout" error, which is odd. Went to another store and no problems. Today I go to the working store and it throws an error code, dude wouldn't give me the slip but it wasn't a host timeout.

pkerr Jun 19, 2025 11:07 am

Shut down
 
I’ve had the Discover card for a couple years now and don’t do large quantities of gift cards or money orders. Maybe $4000 a month total.
I received an email stating my bill pay would no longer work so I tried to login and was unable to. I called Discover and after being transferred to a couple of representatives, I was told my account was being shut down for “business reasons “
No idea what caused it, in fact, I haven’t used the card for about a month to load or to bill pay or anything else.
I guess when I get there shut down letter, I’ll have to talk to them about getting reinstated, if that is even possible.

radonc1 Jun 19, 2025 2:04 pm


Originally Posted by pkerr (Post 37156431)
I’ve had the Discover card for a couple years now and don’t do large quantities of gift cards or money orders. Maybe $4000 a month total.
I received an email stating my bill pay would no longer work so I tried to login and was unable to. I called Discover and after being transferred to a couple of representatives, I was told my account was being shut down for “business reasons “
No idea what caused it, in fact, I haven’t used the card for about a month to load or to bill pay or anything else.
I guess when I get there shut down letter, I’ll have to talk to them about getting reinstated, if that is even possible.

As we all are aware, Discover has been taken over by Cap1. The first items of business on any bank in a takeover is to combine back office operations.

I have already received several letters indicating greater hold times on deposits and less money immediately available for use. The increases aren't big (one or two days) but they now limit immediate availability to only several hundred dollars.

We all know that Cap1 is not friendly to MS in general. I just wonder if this the opening DP in what may become a similar story in the future. $4K/mo is almost $50K a year. Not small potatoes.

Hope pkerr can tell us how he did liquidate.

upright0744 Jun 19, 2025 5:21 pm


Originally Posted by wiki
20 loads per calendar month (as per https://www.discover.com/content/dam...tAgreement.pdf)

i only have 12 loads this calendar month, and got "debit not available" error

checked my account and i do have 20 loads in the last rolling 30 days

i think their terms pdf is wrong

3ZeroT Jun 19, 2025 5:51 pm


Originally Posted by upright0744 (Post 37157162)
i only have 12 loads this calendar month, and got "debit not available" error

checked my account and i do have 20 loads in the last rolling 30 days

i think their terms pdf is wrong

Are you sure you don't mean "debit not approved"? Debit not available is usually a decline with your payment method, not the load.

upright0744 Jun 19, 2025 10:08 pm


Originally Posted by 3ZeroT (Post 37157200)
Are you sure you don't mean "debit not approved"? Debit not available is usually a decline with your payment method, not the load.

no, i'm not sure, maybe you're right. i know the usual error msg, and it usually has a number code as well. this gave the mini printout but had no number code

msp3 Jun 21, 2025 12:14 am


Originally Posted by radonc1 (Post 37120303)
Hopefully just employee ignorance of the new system (fingers crossed)


Originally Posted by cruisr (Post 37121447)
I have not been able to load at the cashiers in the stores I sometimes visit for weeks now. They got new terminals and one CSR was willing to try, asked for help from another CSR and was told they can’t do loads anymore. I also use to load at the electronics department and at two stores the CSRs in electronics said they took loading away from them.


Originally Posted by miyao (Post 37127903)
I've heard this now at 4 super centers. But this week while driving through a small town i stopped by another and tried the cash wrap. The employee called over a Manager who said to go do it st MSC. I said "oh we can't do it at these registers anymore?" politely. He said "we can, but i prefer to have people do it at the money center."
So if this is correct, it's probably a lack of training. Or worse, a deliberate training to say it can't be done.


Originally Posted by jeffersun (Post 37128759)
Unless there's some NEW new terminal, past the "new" ones that swipe at a 45° that have slowly rolled out over the last couple years, these shouldn't have any effect. If there's actually a software update that removes 70 action, then that sucks, although I'm still quite skeptical. And of course it's easier to blame the terminal itself than to say "no" to a customer. It's been a long time since they sent out the nuclear memo on our shenanigans, so long that there's only 1 lady left at my closest MC that was around for it and still asks about my loading card (it's been like 6 years, lady! Get a promotion already! Come on!).

At my local store, only some checkout terminals have had the software updated. When you look at it from the associate side, it looks just like the self checkout interface and the font looks different on the customer side. Friendly employees would tell me to go to terminals where the software isn't yet updated, and when one tried on an updated machine for me today the load action actually comes up! But after I swipe, press OK for the load amount, it goes to the Walmart screen and cancels out. We tried three times with the same result. I suspect the same loading ability is being implemented, but may not be working properly yet in the new software (and hence why the new software is not fully deployed?)

littlewinglet Jun 22, 2025 7:58 am


Originally Posted by bdwyfan (Post 37147623)
3 x $1000 MOs or more 6 x $500 ?

I buy about 2k - 2.5k worth of MOs, split it as ~1000 on Discover + ~1000 on ONE and ~500 on a VGC

This way I get my 3% from Discover, liquidate ONE balances without doing direct ACH and I can burn one Vanilla for free.

This is at a very MS unfriendly grocery chain, but when splitting payments like this, I flash my chip cards first so the cashier doesn't even notice that the last 500 is a GC swipe.

barrytuneup1 Jun 23, 2025 5:36 pm

is this Acme or SAFEWAY?


All times are GMT -6. The time now is 1:23 pm.


This site is owned, operated, and maintained by MH Sub I, LLC dba Internet Brands. Copyright © 2026 MH Sub I, LLC dba Internet Brands. All rights reserved. Designated trademarks are the property of their respective owners.