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I don't even...

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About I don't even...

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    Bump Influence LVI
  1. Hello all, I recently had my last stubborn baddies fall off and am considering applying for a few more cards to round out my cashback rewards. I have the following cards: USAA Cashback Rewards Plus Amex (5% gas) NFCU Cash Rewards (1.5% everything) Lowes Walmart I am AU on DGF's: Discover (Quarterly 5%) Fidelity Visa (2% everything) Blue Cash Preferred (6% "grocery") I was considering the new Uber card or AARP card for dining as we do eat out quite regularly. I was wondering if the members here had any recommendations. TU08 783
  2. Look into a secured card that will graduate with you. Maybe NFCU or Bank of America?
  3. Call them and if they didn't approve ask for a secured loan for $500 and then use the proceeds to fund a secured card. The card will graduate to unsecured on it's own on IIRC the 12th or 13th statement and you can PC to any of their cards (and request and interest rate decrease and CLI). I would suggest adding to the $500 at around the 11th statement so your funds won't be tied up long, but it will graduate with the higher limit. You should also look into their LOC it is good utilization padding. NFCU grows fast, good luck.
  4. Recently I took advantage of the staples VGC rebate, but when I tried to use the cards to purchase MO at WalMart (my usual liquidation strategy) they defaulted to credit with no option to change payment to debit. In the past whenever I have been stuck with low dollar value cards ($5-$20) cards I have used them as payments to my Lowe's credit card which accepts debit payments in store. Synchrony is pretty good about mailing out refund checks for credit balances; there is no need to call, etc., but I worried about potential adverse action with larger ammounts. Has anyone had any experience with Synchrony taking AA due to excessive (multiple months in a row) or large credit balance refunds? There are no fees with this method and I am considering using it more often, but seek input from more seasoned M$'ers.
  5. Look up the 1-2 punch flowchart or wait a little bit longer and dispute as obsolete. Also as other posters have hinted this is the wrong board. Perhaps a mod can move it for you somewhere where it might get seen and you could get more help.
  6. I don't think any of my Visa Signature cards ever had NPSL. Was it ever an actual requirement?
  7. You may wish to look into a secured loan from Alliant Credit Union.
  8. Update on Walmart situation. I got $50 Walmart gift card from co-manager and he spoke with management re policy and I now have no issues buying gift cards at this location.
  9. He grabbed my backpack as I was exiting the store. I should have gone for the money, but management was apologetic and I felt bad as the associate involved would likely be terminated. I have noticed that they are much less agressive with their receipt checking now doubtless due to some retraining. I am not out for $$ or to hurt someone's livelyhood, but I do want to correct these things. It is unfortunate that location has high rates of shrink and fraud, but treating everyone as a criminal is not the solution.
  10. APPSN - Application Pilot for People with Special Needs
  11. Just a thought, first thing you should do going forward in this MS* game to is remove that chip from your shoulder re: your sensitivity about being "Treated Like A Criminal"!!! You should understand that many aspects of the MS* game look suspicious and perhaps criminal to cashiers, CSM's, Store Managers, Bank Tellers, Bank Managers, etc,,,, etc,,, etc... Seriously, I just can't wrap my head around the concept of ANYBODY playing this game pulling out their cell phone and taking a photo of ANYBODY who didn't do what you expected and hoped for. As to your statement about receipts and product being delivered, Seriously, you weren't buying a pair of socks and a bag of potato chips, (you were getting over on a bank for profit). I had no idea if the card even activated or not without seeing the receipt. At that point the transaction had completed and the activated gift card was my property. I wanted some evidence of what had happened or do you suggest I allow myself to be robbed with no evidence or recourse? Edit: To each their own I guess. This wasn't meant to be a debate and I did solicit feedback. Perhaps I did let my emotions get the better of me. I will keep everyone updated on the outcome.
  12. Thanks for understanding. Visa actually responded to my complaint and is requesting more information. I have never had them actually follow up on a complaint before, although all my previous ones have been for demanding ID as condition of sale or surcharges. I wouldn't be surprised if holding the receipt was a ploy to stall me while they contacted the authorities themselves to report the "credit fraud" and if I hadn't already spent 80% of my lunch break waiting in line to check out I might have stuck around to see how it played out, but I had to get back to work. Now to wait the three business days Walmart corporate said the store manager has to contact me and resolve this.
  13. I misspoke when I said today, the transaction obviously didn't clear immediately. My credit card was charged and they refused to provide me with a receipt or merchandise. I don't push any major volume through this card; I was just trying to kill time on my lunch. The bank was understanding and helpful. I would be seriously surprised if they shut me down for a $1000 purchase considering all the R$ I put through the card. I suppose I should have just let the hood rats at Walmart go on a shopping spree with the gift card that did activate? I admitted my mistake for not boning out at the first sign of trouble, but I am tired of being treated like a criminal because I look young. I was actually physically detained at this store before because I had a backpack on (rode my bike to work) and decided to drop it after profuse apologies from management. Edit: As far as getting stuck with gift cards I can't liquidate... these are the Walmart branded variable load VGCs (formerly sunnies now green dot backed). I regularly buy them at my local neighborhood market (codes as grocery for Amex) without issue. I have never had any issues liquidating them (even for WM money orders, but not on same trip). I am not new to this, just tired of being treated like criminal. I had photo ID matching my chip enabled card. There was practically zero chance of fraud and I did not "go postal" until they refused to provide me with merchandise or receipt.
  14. Hit a major speed bump today and looking for advice from seasoned M$'ers. I had some time to kill on my lunch break and decided to turn a small profit by purchasing some Green Dot visa gift cards from the Walmart walking distance from my employer. I selected two variable gift cards and proceeded to the closest register. I should have left when the cashier claimed the up to $500 variable load gift cards could only be loaded with $25. I informed him that he was incorrect and he simply had to input the amount as he had not even touched the keyboard on his POS terminal. He then proceeded to stall, but eventually inputted the requested amount of $500. He then proceeded to play a sort of shell game with the two VGC's before he scanned them. After completing the transaction he indicated that they did not properly activate, but refused to allow me to view the receipts that printed calling a supervisor. The supervisor also refused to allow me to view the receipts. She walked me over to a Customer Service Manager (yellow vest) who also refused to allow me to view the receipts. At this time my lunch break had been mostly used up after waiting 30 min in line and now this. I took a photograph of the CSM and and informed her that I would be issuing a charge back and contacting corporate customer service and exited the store. I immediately contacted my bank and informed them that they had refused to provide me with a receipt or the merchandise. They advised me to wait for the charges to clear before disputing, but placed a note on my account indicating what had happened. I also contacted Walmart corporate and Visa911 and filed a complaint. The Walmart corporate support was surprisingly helpful and emailed me a copy of the receipt showing that the cashier had in fact scanned the same card twice. After the charge cleared today I issued a charge back with my bank. I am presently waiting for the store manager to contact me with a proposed resolution, but seek the feedback of the experienced credit board members.

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