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-   -   Discover Checking Loaded at Walmart (https://www.flyertalk.com/forum/manufactured-spending/2109742-discover-checking-loaded-walmart.html)

bdwyfan Aug 25, 2025 10:30 am


Originally Posted by yanxfann (Post 37272751)
Are they referring to the fixed 200 VGCs in the dark navy packaging, the ones that are periodically fee-free at Staples? If so, I thought for the past few yrs these had been capped at a max of 99/swipe at WM? Could anyone please clarify?

@Curb71 writes gold VGC 435880 which most likely means the color of the VGCs themselves. They need to clarify.
The ones in the dark navy packaging sold at the Staples near me have always been yellow --- I guess you can call them gold ---- and have BIN of 4358 80.
Like you, I thought they had a $99/swipe limit. Who knew?

I am attaching a screenshot of what someone posted about this back when I was starting out with buying MOs at WM.
Perhaps it is different with Discover checking loading?
The screenshot is from April 2023.


https://cimg7.ibsrv.net/gimg/www.fly...6af8f41473.png



Curb71 Aug 25, 2025 10:44 am


Originally Posted by bdwyfan (Post 37283698)
@Curb71 writes gold VGC 435880 which most likely means the color of the VGCs themselves. They need to clarify.
The ones in the dark navy packaging sold at the Staples near me have always been yellow --- I guess you can call them gold ---- and have BIN of 4358 80.
Like you, I thought they had a $99/swipe limit. Who knew?

I am attaching a screenshot of what someone posted about this back when I was starting out with buying MOs at WM.
Perhaps it is different with Discover checking loading?
The screenshot is from April 2023.


https://cimg7.ibsrv.net/gimg/www.fly...6af8f41473.png

It's almost like gold and yellow are similar and the BIN matches. Why not just try swiping for more than 99 like I did and if it works, it works.

bdwyfan Aug 25, 2025 10:47 am


Originally Posted by Curb71 (Post 37283719)
It's almost like gold and yellow are similar and the BIN matches. Why not just try swiping for more than 99 like I did and if it works, it works.

If it doesn't work, what do you tell the cashier? Do they have to do something on their end?
I want to have as little drama as possible doing this.

Curb71 Aug 25, 2025 10:50 am


Originally Posted by bdwyfan (Post 37283728)
If it doesn't work, what do you tell the cashier? Do they have to do something on their end?
I want to have as little drama as possible doing this.

If it doesn't work then I try an amount that's less or a different card that will work. It's not like the card is bricked.

bdwyfan Aug 25, 2025 11:04 am


Originally Posted by Curb71 (Post 37283736)
If it doesn't work then I try an amount that's less or a different card that will work. It's not like the card is bricked.

The cashier asks me how much I want to load, so I say $190.
Let's say it doesn't work.
Does she have to restart the process from the beginning?
That's the hassle I want to avoid.
This makes them suspicious.

Curb71 Aug 25, 2025 11:06 am


Originally Posted by bdwyfan (Post 37283759)
The cashier asks me how much I want to load, so I say $190.
Let's say it doesn't work.
Does she have to restart the process from the beginning?
That's the hassle I want to avoid.
This makes them suspicious.

Unfortunately, yes. That's why I started at 99 and worked my way up over the months.

bdwyfan Aug 25, 2025 11:27 am


Originally Posted by Curb71 (Post 37283763)
Unfortunately, yes. That's why I started at 99 and worked my way up over the months.

Gotcha.
Thanks.

SioFW Aug 25, 2025 8:01 pm


Originally Posted by hurnik (Post 37278772)
I don't really see a lot of DP regarding the SS MCGC, so I figured I'd add one.
I accidentally purchased a $500 SS MCGC (vs. SS VGC) issued by Pathward, serviced by Incomm.

Activated the card on the website per the instructions.
A few days later went to our local WM (we can only load Discover at the CS/MC now).
After I told the lady I wanted to load money to Discover Debit/Checking, the first odd thing was she asked for my phone # and then name (first name only), which is new for me.
Then BAU
Inserted Discover, entered Zip code
Lady asked how much
I only did $150 this go around.
Swiped the MCGC, entered PIN and all set.

I don't now if a $500 or $490 would've loaded (I usually do $490 on my SS VGC).

If it works for $150/swipe it will most likely work for $490.

With the SS VGC you can/could do $499/swipe.

cruisr Aug 29, 2025 5:21 pm

I tried this past week in upper NY state and even $99.00 did not work with the $200.00 VGCs from Staples.

Curb71 Aug 29, 2025 5:50 pm


Originally Posted by cruisr (Post 37292081)
I tried this past week in upper NY state and even $99.00 did not work with the $200.00 VGCs from Staples.

So many possible variables. Hard to narrow it down with limited info.

bdwyfan Aug 29, 2025 6:38 pm


Originally Posted by Curb71 (Post 37292109)
So many possible variables. Hard to narrow it down with limited info.

what variables?

Curb71 Aug 29, 2025 7:09 pm


Originally Posted by bdwyfan (Post 37292174)
what variables?

What BIN? Could be the employee. Could be user error. Could be load limit issues. Was a different amount tried? Was a different card tried?

bdwyfan Aug 29, 2025 8:05 pm

It is rather laughable you are trying to "educate" the OP who has been in this game since 2004.
20 years before you.



Originally Posted by Curb71 (Post 37292209)
What BIN?

Staples VGC BIN are consistent. They don't change. They haven't in 5 years I have been buying them.


Originally Posted by Curb71 (Post 37292209)
Could be the employee.

Once you get to the part where you swipe, it is not the employee.
And yes, I have encountered an employee who did not initiate the procedure correctly at the start, but this is not it.


Originally Posted by Curb71 (Post 37292209)
Could be load limit issues.

a load limit issue for Discover loading?
I think you are confused.


Originally Posted by Curb71 (Post 37292209)
Was a different amount tried?

Why? $99 was suppose to work.


Originally Posted by Curb71 (Post 37292209)
Could be user error.

Oh, you mean the guy doesn't know how to swipe?


Originally Posted by Curb71 (Post 37292209)
Was a different card tried?

How is that a variable?
Do you know what variable means?
variable - a quantity that may assume any one of a set of values
another card is NOT a variable. LOL

upright0744 Aug 30, 2025 11:49 pm


Originally Posted by bdwyfan (Post 37292282)
It is rather laughable you are trying to "educate" the OP who has been in this game since 2004.

where do you read that he is trying to "educate" anyone? he listed perfectly valid reasons and the original poster was awfully lacking in details

everytime there is arguments in this forum, you are always the common denominator. mods are too busy to notice it yet, they just delete your posts, but anyone paying attention already has.

bdwyfan Aug 31, 2025 9:27 am


Originally Posted by upright0744 (Post 37293954)
where do you read that he is trying to "educate" anyone?

I read what he wrote.

.
The OP cruisr has been doing this since 2004.

Curb71 has been here since last year. LOL

You upright0744 has been here since 2 years ago

@ldk has been here since 2021

All of you run around here acting like you'd know more than cruisr --- so disrespectful to him .

I'd believe @cruisr's posts before any of yours.


Originally Posted by upright0744 (Post 37293954)
everytime there is arguments in this forum,.

arguments?

counterpoints is what I call them

such thin-skins


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