InComm/Pathward Breakdown DPs
Jan 18, 2026 | 10:42 am
#361
Join Date: Feb 2023
Posts: 1,489
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.
You are stalking me. LOL.
Jan 18, 2026 | 11:07 am
#362
Join Date: Apr 2022
Posts: 377
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.
Jan 18, 2026 | 11:11 am
#363
Join Date: Feb 2023
Posts: 1,489
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.
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.
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.
Jan 18, 2026 | 12:55 pm
#364
Join Date: Sep 2025
Posts: 99
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.
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.
Jan 19, 2026 | 11:09 am
#366
Join Date: Sep 2025
Posts: 99
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.
Jan 19, 2026 | 11:53 am
#367
Join Date: May 2013
Location: Sacramento, CA
Posts: 422
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.
Jan 20, 2026 | 5:01 pm
#368
Join Date: Oct 2011
Posts: 64
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.
Jan 20, 2026 | 5:05 pm
#369
Join Date: Sep 2025
Posts: 99
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.
Jan 20, 2026 | 7:43 pm
#370
Join Date: Mar 2008
Posts: 2,024
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.
these are issued by pathward and serviced by Incomm
Jan 22, 2026 | 9:38 am
#371
Join Date: Oct 2011
Posts: 64
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.
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.
Feb 14, 2026 | 7:13 pm
#372
Join Date: Apr 2023
Posts: 51
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?
Feb 14, 2026 | 7:38 pm
#373
Join Date: Sep 2025
Posts: 99
Ive 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, whats the best way to try again next time? Should I wait a certain period or try a different load amount at WM?
Feb 16, 2026 | 5:51 pm
#374
Join Date: Apr 2014
Posts: 327
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.
Feb 17, 2026 | 10:59 am
#375
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 7,389
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.