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-   -   InComm/Pathward Breakdown DPs (https://www.flyertalk.com/forum/manufactured-spending/2164960-incomm-pathward-breakdown-dps.html)

bdwyfan Jan 18, 2026 10:42 am


Originally Posted by jeffersun (Post 37545458)
You're in every single thread muddying up what should be very straightforward and constructive conversation. I pop onto FT like once a month to see if the ODOM sale is on. Maybe check if anyone has had a liquidation failure lately, but it has become exceedingly difficult because every thread has 2-3 pages of bwdyfan bickering with everyone.

every single thread? LOL

You are stalking me. LOL.

fly2fish Jan 18, 2026 11:07 am


Originally Posted by bdwyfan (Post 37545352)
LOL.
Okay. Whatever.
I explained to you how I get 8x with gas and it is NOT with a Wyndham biz.
I actually get 11x altogether.

I was told a long time ago, assume = a$$ out of u and me

We're talking about cards that earn 8x on gas, not how you turn gas purchases into x% cash back. Those are different things, try to follow along.

It's like saying if I buy gas on my Chase Freedom when gas is a 5x bonus category, and then redeem them with a 2x Points Boost through the Chase travel portal, my CF earns 10x on gas.

bdwyfan Jan 18, 2026 11:11 am


Originally Posted by fly2fish (Post 37545515)
We're talking about cards that earn 8x on gas, not how you turn gas purchases into x% cash back. Those are different things, try to follow along.

It's like saying if I buy gas on my Chase Freedom when gas is a 5x bonus category, and then redeem them with a 2x Points Boost through the Chase travel portal, my CF earns 10x on gas.

No. I straight up earn 8x on gas cash = statement credit. No annual fee card. No need to use a travel portal.
If I count the TYP, I get 11x redeemable for statement credit.
You don't have this card, so you clearly don't know what I am talking about.

Don't worry about. You don't want this card.


roberto767 Jan 18, 2026 12:55 pm


Originally Posted by bdwyfan (Post 37545287)
The ex-Citi SYW --- now Citi TY MasterCard --- lets you redeem TY points at 1:1 for statement credit
if you have another Citi credit card such as the Custom Cash or Double Cash.

If you buy 2x $500 VGC at a gas station that will let you buy them with a credit card,
you get ($80 - activation fees + 5% TYP) which works out to about $115 depending on the activation fees.

Where's the $80 coming from?

Wonko Jan 19, 2026 11:02 am


Originally Posted by roberto767 (Post 37545701)
Where's the $80 coming from?

There's a targeted offer of 10% statement credit for the first $800 gas/grocery/restaurant spend each month

roberto767 Jan 19, 2026 11:09 am


Originally Posted by Wonko (Post 37547422)
There's a targeted offer of 10% statement credit for the first $800 gas/grocery/restaurant spend each month

Which Citi card? I can't find any type of application page for Citi TY Mastercard. Does any Citi card work? I have Strata (no annual fee) and Double Cash. Not sure if these even work.

Wonko Jan 19, 2026 11:53 am


Originally Posted by roberto767 (Post 37547446)
Which Citi card? I can't find any type of application page for Citi TY Mastercard. Does any Citi card work? I have Strata (no annual fee) and Double Cash. Not sure if these even work.

It's unique to the ThankYou MC. Mine was converted from the old ShopYourWay MC. I can't find an application page either so I guess you'd have to contact them to find out if it's still available.

kentchristopher Jan 20, 2026 5:01 pm

Has anyone successfully used an InComm MCGC to make income tax payments at ACI or Pay1040? I tried recently and the card got declined and frozen for "Security Policy". I called and the agent said they don't allow transactions at that "merchant", which seems crazy since it's a well-known site for tax payments, and now I'm wondering if the real issue was that I tried to use the full $500 right after activating it, which earlier posts say is a known issue. I'll likely try again with a lesser amount, but would rather avoid having to be sent yet another card if someone knows that it won't work.

roberto767 Jan 20, 2026 5:05 pm


Originally Posted by kentchristopher (Post 37550133)
Has anyone successfully used an InComm MCGC to make income tax payments at ACI or Pay1040? I tried recently and the card got declined and frozen for "Security Policy". I called and the agent said they don't allow transactions at that "merchant", which seems crazy since it's a well-known site for tax payments, and now I'm wondering if the real issue was that I tried to use the full $500 right after activating it, which earlier posts say is a known issue. I'll likely try again with a lesser amount, but would rather avoid having to be sent yet another card if someone knows that it won't work.

Try doing $495 or so. My cards brick every time I try to run for the full $500. Also, you can tell them to mail you a check instead of getting a replacement giftcard. I had 4 cards brick this week and had them send checks. They say the ETA is 3 weeks, but you should get the check in about 10 calendar days.

hurnik Jan 20, 2026 7:43 pm


Originally Posted by kentchristopher (Post 37550133)
Has anyone successfully used an InComm MCGC to make income tax payments at ACI or Pay1040? I tried recently and the card got declined and frozen for "Security Policy". I called and the agent said they don't allow transactions at that "merchant", which seems crazy since it's a well-known site for tax payments, and now I'm wondering if the real issue was that I tried to use the full $500 right after activating it, which earlier posts say is a known issue. I'll likely try again with a lesser amount, but would rather avoid having to be sent yet another card if someone knows that it won't work.

I’ve had the Secure Spend VGC and MCGC get denied due to security policy when trying to use the remaining $5 balance loading to Amazon gift card balance. It’s totally random when it happens.

these are issued by pathward and serviced by Incomm

kentchristopher Jan 22, 2026 9:38 am

Follow-up on using an MCGC for tax payments at ACI: even lower amounts were denied for "Security Policy" (I even tried this ZIP code trick), but at least they didn't brick the card.

I'm assuming this policy applies to all cards serviced by InComm. They were already known to be problematic to use for federal tax payments.

churnfun Feb 14, 2026 7:13 pm

I’ve had a few Sutton VGCs declined at WM for $500, and the transaction history shows “Declined – Security Policy,” but the card status still says “Active.” In this situation, what’s the best way to try again next time? Should I wait a certain period or try a different load amount at WM?

roberto767 Feb 14, 2026 7:38 pm


Originally Posted by churnfun (Post 37597493)
I’ve had a few Sutton VGCs declined at WM for $500, and the transaction history shows “Declined – Security Policy,” but the card status still says “Active.” In this situation, what’s the best way to try again next time? Should I wait a certain period or try a different load amount at WM?

Try for like $495. If doing a discover load, make sure you look at the rules for discover regarding load limits (daily/weekly/monthly).

benny08 Feb 16, 2026 5:51 pm

Incomm is known to decline $500, doesn't matter if its Sutton or Pathward. Even $495. I seen them declining those. For me, I use the card for a small amount, then let it sit for a few days. I have no problem draining the remaining amount afterwards.

radonc1 Feb 17, 2026 10:59 am


Originally Posted by benny08 (Post 37600807)
Incomm is known to decline $500, doesn't matter if its Sutton or Pathward. Even $495. I seen them declining those. For me, I use the card for a small amount, then let it sit for a few days. I have no problem draining the remaining amount afterwards.

Probably not a bad approach.

Use the card several times for small amounts over a multi day period, then finish with the large transaction. This probably baffles the AI following card activity making it think that this is a normal person using the card.

Some additional DPs with this method would be useful for validation.


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