Jan 10, 2015, 8:55 pm
Last edit by: ericdabbs
The previous megathread is here.
Read the wiki before posting a question.
It's a literacy test that's easy to pass.
As of April 16, 2015 regular Serve cards will only accept American Express network cards for online credit card loads.
Softcard Serve accounts are apparently grandfathered in the old system and continue to work as before, being able to load Mastercard, Visa, and Discover (see below).
Serve loads count towards minimum spend on AmEx-issued cards, including SPG.
This is the Serve thread. Post questions or information concerning other topics in the appropriate threads elsewhere in this forum.
For additional information on using prepaid debit cards, see PIN available now for Visa/MC prepaid debit cards.
You cannot make an ACH pull from Serve. The direct deposit account and routing numbers are for deposits only.
https://www.serve.com/#/add-cash
If your card doesn't say "debit" on the front, it isn't a debit card.
Loads at 7-11 and CVS are cash only. Debit cards are NOT allowed.
Loads at Walmart have been confirmed with debit cards. Self checkout does not work for loading Serve. Many Walmart stores are enforcing a rule against the use of prepaid debit cards when loading, even though the register and the MCE do not enforce. Do not make your prepaid debit cards visible. Show them a bank debit card if asked, then discreetly use your prepaid card when asked to swipe. Otherwise, you may be asked by management to never visit the MC (Walmart Money Center) again to load.
Debit loading at Family Dollar appears to be limited to $500 per day per store total (not per person or per account). Whoever gets there first gets the load for the day. Troubleshooting loading problems at FD
Regular Serve
You can combine the three methods above and load a total of $7k/month to a single Serve account for miles/points earning purposes, but beware that you're also subject to a $10,000/month add money limit which also includes check deposits, ACH transfers, and Serve transfers.
Softcard Serve
Softcard has shutdown and there is no longer any way to apply for this version.
You can combine the three methods above and load a total of $8k/month to a single Serve account for miles/points earning purposes, but beware that you're also subject to a $10,000/month add money limit which also includes check deposits, ACH transfers, and Serve transfers.
Temp Serve
You can only load a maximum of $500/day, $1000/month on a temporary card. Once you get your permanent card, then you can load more. The initial $500 when you purchase the temp card doesn't count against the $5,000/month load limit.
OneVip Card: (Mucho gracias, AndrewTheMan)
This card is essentially just like the regular, fee-free, "old" serve. You may reload this card up to $2,500/day; $1,000/transaction at Walmart (not impacted by Blue Bird daily limit change). Have not tested FD or anywhere else. KATE takes this no problems..
You can use this to load the FIDO AMEX up to 1k a month.
Limits for online debit card and credit card loads reset at 9 PM PST/12 AM EST
Online Credit Card Loads
Only one card can be linked at a time.
For online CC/DC loads, the name on the Serve account is supposed to match the name of the primary or joint cardholder. So using someone else's CC/DB card to load a Serve account is not allowed.
A few report no problems loading with an AU card in the Serve account holder's name. Increase your chances by making sure the AUs social security number is on file with the Credit Card.
When adding a new card you will usually need to call Serve Account security (1-800-555-4318) for verification of the new card on the second load try. This verification usually requires uploading of a photo of your ID and the credit card. You may pre-emptively avoid the error by going to the above website, logging in, and uploading a scan of a photo ID and the card you are trying to add. You may call back to expedite approval. One person with a Serve/Softcard account reported being sent to the main Serve number for this process.
https://www.serve.com/help/#add-money-5
Regular Serve Credit Card Loading
Regular Serve can only load from American Express network cards. In addition to those issued directly by American Express, this includes the following:
Softcard Serve Credit Card Loading
If you are fortunate enough to be grandfathered into a Softcard Serve Account, you can also load other credit cards beside American Express cards. Softcard Serve is not available to new applicants anymore so you'll need to get one of the other Serve options if you don't already have one. In general, Mastercard and American Express cards post as purchases. Visa cards transact as a cash advance and, therefore, require available CA limit; although most cards post as a purchase.
Treated as purchase, earns cashback/points/miles:
Treated as purchase, but doesn't earn points/miles:
Posts as a cash advance:
The Chase Ink Bold is a charge card and has no cash advance ability.
A few report being unable to add the Chase IHG MC.
Online Debit Card Loads
For online debit load, only use of bank-issued cards is allowed. The use of pre-paid debit cards (Netspend, Paypower, Univision, Paypal, etc.) and VGC/MGC/AGCs is not allowed. While initial transactions may work, your account will eventually be flagged.
Switching to Serve
Helpful instruction post, latest. Thanks raeneye.
Also see this thread: Switching from Serve to BlueBird - 31 day wait???
Switching from BB to Serve
Switching from Redbird is presumably similar. See the RedCard thread for more information.
The number to call to approve your registration after closing Bluebird: Serve Account security 1-800-555-4318
Loading with debit card at Walmart register
Loads at register over $500 will sometimes trigger ID requirement. There is a limit of four swipes per transaction; this means your card plus three payments.
Training a WM cashier:
Error Messages:
DEBIT NOT AVAILABLE
Received when I used a card I thought I had activated but hadn't.
DEBIT NOT APPROVED
Received when the card's monthly load limit had been reached.
TENDER NOT ALLOWED
Card was incorrectly read, or wrong PIN entered.
HOST TIMEOUT
Connection problems. The GC may be drained but the transaction should reverse itself, and funds will become available again. Try again later.
Using Serve
For online bill pay
For bank transfers
Under Settings --> Funding & Transfers --> Bank & Cards --> U.S. Bank Account, you can add your bank info and transfer funds from your Serve card directly to your bank. The bank account must be verified, either by the standard "deposit 2 small sums into your account, such as $0.23 & $0.42" method, or doing an "instant verification" by actually logging into your bank account while still logged into Serve.
===
People with an apartment address can find helpful information quoted in post #7
Read the wiki before posting a question.
It's a literacy test that's easy to pass.
As of April 16, 2015 regular Serve cards will only accept American Express network cards for online credit card loads.
Softcard Serve accounts are apparently grandfathered in the old system and continue to work as before, being able to load Mastercard, Visa, and Discover (see below).
Serve loads count towards minimum spend on AmEx-issued cards, including SPG.
This is the Serve thread. Post questions or information concerning other topics in the appropriate threads elsewhere in this forum.
For additional information on using prepaid debit cards, see PIN available now for Visa/MC prepaid debit cards.
You cannot make an ACH pull from Serve. The direct deposit account and routing numbers are for deposits only.
https://www.serve.com/#/add-cash
If your card doesn't say "debit" on the front, it isn't a debit card.
Loads at 7-11 and CVS are cash only. Debit cards are NOT allowed.
Loads at Walmart have been confirmed with debit cards. Self checkout does not work for loading Serve. Many Walmart stores are enforcing a rule against the use of prepaid debit cards when loading, even though the register and the MCE do not enforce. Do not make your prepaid debit cards visible. Show them a bank debit card if asked, then discreetly use your prepaid card when asked to swipe. Otherwise, you may be asked by management to never visit the MC (Walmart Money Center) again to load.
Debit loading at Family Dollar appears to be limited to $500 per day per store total (not per person or per account). Whoever gets there first gets the load for the day. Troubleshooting loading problems at FD
Regular Serve
- Serve loading via VR/MP or WM/FD load: $2,500/day and $5,000 total per calendar month
- Online Debit Card Load - $200/day and $1,000/month [B]
- Online Credit Card Load (AmEx only) - $200/day and $1,000/month
- Checking/Savings Account - $2,000/month
- Checks - $2,000/day and $10,000/month
- ATM Withdrawals - $750/day and $2,000/month
You can combine the three methods above and load a total of $7k/month to a single Serve account for miles/points earning purposes, but beware that you're also subject to a $10,000/month add money limit which also includes check deposits, ACH transfers, and Serve transfers.
Softcard Serve
Softcard has shutdown and there is no longer any way to apply for this version.
- Serve loading via VR/MP or WM/FD load: $2,500/day and $5,000 total per calendar month
- Online Debit Card Load - $500/day and $1,500/month
- Online Credit Card Load - $500/day and $1,500/month
- Checking/Savings Account - $2,000/month
- Checks - $2,000/day and $10,000/month
- ATM Withdrawals - $750/day and $2,000/month
You can combine the three methods above and load a total of $8k/month to a single Serve account for miles/points earning purposes, but beware that you're also subject to a $10,000/month add money limit which also includes check deposits, ACH transfers, and Serve transfers.
Temp Serve
You can only load a maximum of $500/day, $1000/month on a temporary card. Once you get your permanent card, then you can load more. The initial $500 when you purchase the temp card doesn't count against the $5,000/month load limit.
OneVip Card: (Mucho gracias, AndrewTheMan)
This card is essentially just like the regular, fee-free, "old" serve. You may reload this card up to $2,500/day; $1,000/transaction at Walmart (not impacted by Blue Bird daily limit change). Have not tested FD or anywhere else. KATE takes this no problems..
You can use this to load the FIDO AMEX up to 1k a month.
Limits for online debit card and credit card loads reset at 9 PM PST/12 AM EST
Online Credit Card Loads
Only one card can be linked at a time.
For online CC/DC loads, the name on the Serve account is supposed to match the name of the primary or joint cardholder. So using someone else's CC/DB card to load a Serve account is not allowed.
A few report no problems loading with an AU card in the Serve account holder's name. Increase your chances by making sure the AUs social security number is on file with the Credit Card.
When adding a new card you will usually need to call Serve Account security (1-800-555-4318) for verification of the new card on the second load try. This verification usually requires uploading of a photo of your ID and the credit card. You may pre-emptively avoid the error by going to the above website, logging in, and uploading a scan of a photo ID and the card you are trying to add. You may call back to expedite approval. One person with a Serve/Softcard account reported being sent to the main Serve number for this process.
https://www.serve.com/help/#add-money-5
Regular Serve Credit Card Loading
Regular Serve can only load from American Express network cards. In addition to those issued directly by American Express, this includes the following:
- AAA Rewards AmEx
- Alitalia AmEx
- Bank of America Accelerated Rewards AmEx
- Bank of America Asiana Airlines AmEx
- Bank of Hawaii AmEx Card with MyBankoh Rewards
- Bloomingdale's AmEx
- Citi AAdvantage Platinum Select AmEx
- Citi Dividend AmEx (not obtainable unless specifically requested)
- Citi Thank You Preferred AmEx (not obtainable unless specifically requested)
- Dillard's AmEx
- FNBO AmEx
- FNBO Graphite AmEx
- FNBO Platinum AmEx
- Macy's AmEx
- Penfed Premium Travel Rewards AmEx
- SavingStar AmEx
- Travelocity AmEx
- US Bank Flexperks AmEx
- USAA Cash Rewards/Rewards Plus AmEx
- Wells Fargo Propel World/365 AmEx
Softcard Serve Credit Card Loading
If you are fortunate enough to be grandfathered into a Softcard Serve Account, you can also load other credit cards beside American Express cards. Softcard Serve is not available to new applicants anymore so you'll need to get one of the other Serve options if you don't already have one. In general, Mastercard and American Express cards post as purchases. Visa cards transact as a cash advance and, therefore, require available CA limit; although most cards post as a purchase.
Treated as purchase, earns cashback/points/miles:
- Bank of America (FIA) (MasterCard, American Express)
- Barclaycard (Mastercard, Visa)
- Capital One (Mastercard, Visa)
- Chase (MasterCard, Visa)
- Citi (MasterCard, American Express)
- Discover
- Wells Fargo (American Express)
Treated as purchase, but doesn't earn points/miles:
- American Express issued (Counts toward minimum spend -- see post #434) but does not earn points. Example: For the Delta Amex card, Serve counts towards min spend DL miles sign-up bonus, but that spend and subsequent trials of spend on Serve will not earn points. Don't do it, man!
Posts as a cash advance:
The Chase Ink Bold is a charge card and has no cash advance ability.
A few report being unable to add the Chase IHG MC.
Online Debit Card Loads
For online debit load, only use of bank-issued cards is allowed. The use of pre-paid debit cards (Netspend, Paypower, Univision, Paypal, etc.) and VGC/MGC/AGCs is not allowed. While initial transactions may work, your account will eventually be flagged.
Switching to Serve
Helpful instruction post, latest. Thanks raeneye.
Also see this thread: Switching from Serve to BlueBird - 31 day wait???
Switching from BB to Serve
- Login to BB account, bring account balance to Zero, (By Bill Pay, Send money, etc..)
- Call BB, tell them that you want to open a serve account and close your current BB account. after they check everything they will say something like: "Your account will be permanently closed after 31 days, you can reopen it within 31 day if you change your mind, and you can apply for your new Serve account now, just make sure use the exact same register info from BB."
- at this point BB is closed. next morning, goto CVS and get a temporary Serve card (only with cash), load $500, ($2.95 waived, Yeah!!)
- get back home, register temporary Serve online, First error: "phone number already registered, please try a different number" could be the my BB's ghost account still showing up on their system, could be my info is not match my BB's registration? i'm not really sure at this point. What I did is keep the same number but change from Cell phone to home phone. and registration went through
- after the register and login, second error: "We're still processing your application. Please check your email for an update"
- I have see people on the thread reported waiting for weeks for the same message, So, I pickup the phone and called them, ask them to speed up the process.
- CSR, told me that my account went to "account security protection department" transfer me to them.
- at account security protection department, they told me need to call back on my phone number which I registered to verify.
- after the call back of verification, CSR told me that my new Serve account is active now, email address verification will be send with in 5 minutes, permanent card will be received within 7-10 days.
- CSR also told me the I can load and spend on the temporary card, but not bill pay.
Switching from Redbird is presumably similar. See the RedCard thread for more information.
The number to call to approve your registration after closing Bluebird: Serve Account security 1-800-555-4318
Loading with debit card at Walmart register
Loads at register over $500 will sometimes trigger ID requirement. There is a limit of four swipes per transaction; this means your card plus three payments.
Training a WM cashier:
- If the WM cashier doesn't know how to load the card, advise them to enter "70" then press "action code".
- If you are using a temp card that doesn't have your name on it, you can swipe the card from your side of the terminal. The WM rep never has to touch any of your cards. The screen will say "enter account." That is your prompt to slide the card.
- The terminal will ask the WM employee if you are loading in multiples of $2000. Advise them to enter "no."
- Avoid saying gift card. Always refer to your card as a debit card.
Error Messages:
DEBIT NOT AVAILABLE
Received when I used a card I thought I had activated but hadn't.
DEBIT NOT APPROVED
Received when the card's monthly load limit had been reached.
TENDER NOT ALLOWED
Card was incorrectly read, or wrong PIN entered.
HOST TIMEOUT
Connection problems. The GC may be drained but the transaction should reverse itself, and funds will become available again. Try again later.
Using Serve
For online bill pay
- You can pay the credit card that you used to buy VRs/GCs
- Error 1302 means that you have 1 pending payment the same amount as the one you just submitted. For example, 1000 bill pay to sapphire preferred from Friday and then on Saturday you submit another bill pay for 1000 to sapphire preferred, you will get this error.
- Tip: if using online bill pay to the same place multiple times, vary your amounts by $0.01 to make it easier to track since your confirmation number does not match the tracking number on your credit card statement
For bank transfers
Under Settings --> Funding & Transfers --> Bank & Cards --> U.S. Bank Account, you can add your bank info and transfer funds from your Serve card directly to your bank. The bank account must be verified, either by the standard "deposit 2 small sums into your account, such as $0.23 & $0.42" method, or doing an "instant verification" by actually logging into your bank account while still logged into Serve.
===
People with an apartment address can find helpful information quoted in post #7
Serve - Another Paypal/Amazon payments (2015)
Sep 2, 2015 | 5:38 am
#2086
Join Date: Sep 1999
Location: Charlotte, NC USA
Programs: AA EXP; Marriott Lifetime / Annual Titanium; Massively Missing Starwood
Posts: 5,443
I loaded my Server card at WM Kate today. The first $1,000 got "DEBIT NOT APPROVED HOST TIMEOUT" message on receipt. The second $999 transaction was fine without problem. I checked the debit card I used to load, both $1,000 and $999 were charged. Is my $1,000 in the account of ATM owner now? Should I visit WM money center, call the owner of ATM, or Serve for help?
Thanks.
Thanks.
Sep 2, 2015 | 3:34 pm
#2088
Join Date: Feb 2011
Posts: 66
I don't know if there can be legal/criminal troubles for this as this is purely impersonating. They record all this information and you are falsifying when they ask you for your personal information. Granted in this case the family member is not complaining, otherwise it will clearly be a violation.
One time I did this (another bank's card) and I told them it was my wife's card and they had no problem with it. All they did was ask her to say "OK" on the phone that I have permission then we continued on.
Same thing with medical insurance. They are even worse than credit card companies. I said I was her and we had no problem.
I seriously don't believe anything ILLEGAL (as in breaking the law) is happening unless you do it to steal money or do something the other person doesn't want to happen.
Sep 2, 2015 | 3:58 pm
#2089
Join Date: Jul 2013
Location: Texas
Posts: 105
Just in case any one is wondering about Soft Serve. Barclay's Arrival+ sent me a new card # as they identified mine as susceptible to fraud though I've never had a fraudulent charge on it. I put off activating it so I could keep Serve loading, however was forced to make the switch this month. Was able to pull off the switch no problem and have done two loads so far. If they ask for me to verify the card I will update how that goes with the CSRs.
Sep 2, 2015 | 5:33 pm
#2090
Join Date: Sep 1999
Location: Charlotte, NC USA
Programs: AA EXP; Marriott Lifetime / Annual Titanium; Massively Missing Starwood
Posts: 5,443
Just in case any one is wondering about Soft Serve. Barclay's Arrival+ sent me a new card # as they identified mine as susceptible to fraud though I've never had a fraudulent charge on it. I put off activating it so I could keep Serve loading, however was forced to make the switch this month. Was able to pull off the switch no problem and have done two loads so far. If they ask for me to verify the card I will update how that goes with the CSRs.
Sep 3, 2015 | 6:01 am
#2091
Join Date: Aug 2015
Posts: 322
It's good to know it's not a fraud. Worst case, if they shut down any account, I don't care. The family accounts that you deal with, they are not going to complain and when asked they will always say, I'm fully authorized to operate on their behalf.
Sep 3, 2015 | 8:58 am
#2092
Join Date: Jul 2015
Posts: 5
I tried to buy a MO with my serve card yesterday at my local Walmart and Dierbergs. Both attempts were unsuccessful and here's what the system spit out:
Walmart - Debit not available appr code
Dierbergs - invalid share group code
Am I doing it wrong or is anyone else having a problem?
Walmart - Debit not available appr code
Dierbergs - invalid share group code
Am I doing it wrong or is anyone else having a problem?
Sep 3, 2015 | 9:00 am
#2093
Join Date: Oct 1999
Location: Atlanta, GA
Programs: AA PLT, AS 75K, DL DM, HY Globalist, HH Diamond, MC/RZ/SW Platinum, AB/UA Silver, WN CP
Posts: 1,123
I tried to buy a MO with my serve card yesterday at my local Walmart and Dierbergs. Both attempts were unsuccessful and here's what the system spit out:
Walmart - Debit not available appr code
Dierbergs - invalid share group code
Am I doing it wrong or is anyone else having a problem?
Walmart - Debit not available appr code
Dierbergs - invalid share group code
Am I doing it wrong or is anyone else having a problem?
Sep 3, 2015 | 9:15 am
#2094
Suspended
Join Date: Nov 1999
Posts: 24,150
I tried to buy a MO with my serve card yesterday at my local Walmart and Dierbergs. Both attempts were unsuccessful and here's what the system spit out:
Walmart - Debit not available appr code
Dierbergs - invalid share group code
Am I doing it wrong or is anyone else having a problem?
Walmart - Debit not available appr code
Dierbergs - invalid share group code
Am I doing it wrong or is anyone else having a problem?
In the past I read everything then sent a PM to whomever asking them if they would be so kind as to let me know if I got it correct. Then when told Yes Id go out and purchase whatever. By PMing all the steps and info it shows I did my homework and most people would answer you, PMing asking how to do something w/o listing everything you learnt , is saying IM a lazy person spoon feed me and will probably result in no reply at all
Sep 3, 2015 | 10:03 am
#2095
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,386
I'll never understand why some folks refuse to read a WiKi and then put their $$ into something they know nothing about working
In the past I read everything then sent a PM to whomever asking them if they would be so kind as to let me know if I got it correct. Then when told Yes Id go out and purchase whatever. By PMing all the steps and info it shows I did my homework and most people would answer you, PMing asking how to do something w/o listing everything you learnt , is saying IM a lazy person spoon feed me and will probably result in no reply at all
In the past I read everything then sent a PM to whomever asking them if they would be so kind as to let me know if I got it correct. Then when told Yes Id go out and purchase whatever. By PMing all the steps and info it shows I did my homework and most people would answer you, PMing asking how to do something w/o listing everything you learnt , is saying IM a lazy person spoon feed me and will probably result in no reply at all
Sep 3, 2015 | 11:28 am
#2096
Join Date: Jul 2015
Posts: 5
I do apologize for missing the debt card remark in the wiki. However, I did look at the previous pages to see if anyone asked this same question.
It's interesting to note that last week, I was able to buy a MO at Dierbergs (supermarket chain in STL).
It's interesting to note that last week, I was able to buy a MO at Dierbergs (supermarket chain in STL).
Sep 3, 2015 | 11:39 am
#2097
Join Date: Jul 2013
Location: SoCal
Programs: AA EXP, SPG Lifetime Platinum, MR Platinum, Hilton Diamond
Posts: 249
I tried to buy a MO with my serve card yesterday at my local Walmart and Dierbergs. Both attempts were unsuccessful and here's what the system spit out:
Walmart - Debit not available appr code
Dierbergs - invalid share group code
Am I doing it wrong or is anyone else having a problem?
Walmart - Debit not available appr code
Dierbergs - invalid share group code
Am I doing it wrong or is anyone else having a problem?
Sep 3, 2015 | 11:41 am
#2098
Join Date: Jul 2014
Posts: 3,688
Otherwise, IME buying MOs when registers are hardcoded to accept cash and/or debit cards only, CCs are rejected once swiped.
Sep 3, 2015 | 12:21 pm
#2099
Suspended
Join Date: Nov 1999
Posts: 24,150
Im still trying to figure out why the heck youd want to use your Serve to get MOs
1 word of advice, STOP everything take a deep breath and start reading the Wikis and threads from get-go. Hopefully you didnt load your Serve using ca$h. You dont understand how MS works and you stand to be some wolfs lunch at the rate you are going
That said Ive gone into a supermkt 1 morn got a MO with my 3rd party DC and when I went back in the next day different shift, there were signs up all over Ca$h Only, so just keep in mind what works today may not tomorrow . And before proceeding any further STOP and fully understand everything since you got it all wrong thus far
Sep 3, 2015 | 12:39 pm
#2100
Join Date: Aug 2015
Location: ORF
Posts: 76
I'll take a tip from craz and use this post to try to test my comprehension of my reading, and perhaps help Anthony7929 down the path to righteousness.
I am NEW at this.
I believe I understand the process to be...
Possess or apply for a rewards-related CC that is important to you (miles or nights or Starbucks, for all I care...)
Open a RB/BB/Serve account (if new Serve, better get the green one)
Use the rewards card for some regular spend, AND buy VGC (generally not vanilla).
Take the VGC to WM or FD, and use Kate or CSR or cashier to load the serve/RB/BB. If the cashier is stuck, suggest 70+action code (at WM)
Thank the cashier, and fade away.
Use a bill pay mechanism to pay from RB/BB/Serve to the reward card.
Rinse, repeat.
I've been reading for two+ weeks, and I think that's the system.
Advanced users may manage more than one RB/BB/Serve for consenting family members.
Advanced users may choose to purchase AMEX GCs through a cashback portal for more rewards, then proceed with using the AMEX GCs to purchase VGCs.
And don't buy the VGC in the same store/same visit/same cashier line as you're trying to load!!!
Hope I'm on the right track.
I am NEW at this.
I believe I understand the process to be...
Possess or apply for a rewards-related CC that is important to you (miles or nights or Starbucks, for all I care...)
Open a RB/BB/Serve account (if new Serve, better get the green one)
Use the rewards card for some regular spend, AND buy VGC (generally not vanilla).
Take the VGC to WM or FD, and use Kate or CSR or cashier to load the serve/RB/BB. If the cashier is stuck, suggest 70+action code (at WM)
Thank the cashier, and fade away.
Use a bill pay mechanism to pay from RB/BB/Serve to the reward card.
Rinse, repeat.
I've been reading for two+ weeks, and I think that's the system.
Advanced users may manage more than one RB/BB/Serve for consenting family members.
Advanced users may choose to purchase AMEX GCs through a cashback portal for more rewards, then proceed with using the AMEX GCs to purchase VGCs.
And don't buy the VGC in the same store/same visit/same cashier line as you're trying to load!!!
Hope I'm on the right track.
Last edited by Gimpyknee; Sep 3, 2015 at 12:42 pm Reason: left out a word