kayvebear Posted May 28, 2015 Share Posted May 28, 2015 No matter how much you spend or how you break it up you get the same amount of UR points. You get more rebates by doing 400 at a time. Most people have a FINITE amount of addresses they can send rebates to. Konrad for example claims he can do 3. Since he is capped at 3, it is better for him to spend 600 per buy than 400... Link to comment Share on other sites More sharing options...
Rorer_714 Posted May 28, 2015 Share Posted May 28, 2015 (edited) No matter how much you spend or how you break it up you get the same amount of UR points. You get more rebates by doing 400 at a time. Most people have a FINITE amount of addresses they can send rebates to. Konrad for example claims he can do 3. Since he is capped at 3, it is better for him to spend 600 per buy than 400... The only thing he would save on is the amount of separate transactions. He gets the same amount of UR points. He can also buy 400 and 800 and it works the same as 2 x 600. Edited May 28, 2015 by Rorer_714 Link to comment Share on other sites More sharing options...
Konrad2012 Posted May 28, 2015 Author Share Posted May 28, 2015 (edited) . Edited May 28, 2015 by Konrad2012 Link to comment Share on other sites More sharing options...
Rorer_714 Posted May 28, 2015 Share Posted May 28, 2015 I wonder if some how this is getting confused with the OD/OM rebates. They allow two at a time so to maximize those rebates you would but in 600 increments. Link to comment Share on other sites More sharing options...
cloknem Posted May 28, 2015 Share Posted May 28, 2015 Since Gary Leff made this public more than 2 weeks ago (I just noticed it), I might as well share here in case you haven't come across the blog. I rarely buy VGC from them, but it would be interesting to see how long this actually will last now that it's out. Agricultural Federal Credit Union sells personalized VGC for $3.95. http://viewfromthewing.boardingarea.com/2015/05/11/how-to-buy-500-visa-gift-cards-online-with-your-name-embossed-on-them-for-3-95/ Contents in the article are correct based on personal experience. I wonder if this could be my local bank for mo. I need to meet minimum spend. maybe initial fund, billpay, done. Link to comment Share on other sites More sharing options...
donuteric Posted May 28, 2015 Share Posted May 28, 2015 (edited) You should be fine depositing locally. Their mobile app doesn't take MO. And yes, they do take CC for initial funding. I can't remember how much, but Arrival+ posted as purchase. Many reported Chase as well. Edit. Btw, I had been burned before with initial funding on deposit accounts posted as CA despite what others reported. So it's always better to set your CA limit to $0 or close to it before you attempt to do it. Edited May 28, 2015 by ERIC0728 Link to comment Share on other sites More sharing options...
Omnipotent Posted May 28, 2015 Share Posted May 28, 2015 I wonder if some how this is getting confused with the OD/OM rebates. They allow two at a time so to maximize those rebates you would but in 600 increments. It might be because you are capped at 2k per day at Staples. Link to comment Share on other sites More sharing options...
kayvebear Posted May 28, 2015 Share Posted May 28, 2015 (edited) I am surprised this isn't being understood so maybe I am doing a poor job explaining it. You pay $6.95 fee per card at Staples on every $200. If you buy 3 at a time, after rebate, you are getting over 3K UR for $0.85. If you buy 2 at a time after rebate, you get 2K UR points and and $6.10 cash back. If your goal is some UR and some cash back then buying 2 at a time is fine. If your goal is to hit 50k spending on your INK Plus, then obviously buying 3 at a time is better. Most people have a maximum amount of addresses they can send rebates to...The point of buying 3 at a time during rebate promotions is getting the INK points for as close to free as possible. Edited May 28, 2015 by kayvebear Link to comment Share on other sites More sharing options...
Konrad2012 Posted May 28, 2015 Author Share Posted May 28, 2015 You should be fine depositing locally. Their mobile app doesn't take MO. And yes, they do take CC for initial funding. I can't remember how much, but Arrival+ posted as purchase. Many reported Chase as well. Edit. Btw, I had been burned before with initial funding on deposit accounts posted as CA despite what others reported. So it's always better to set your CA limit to $0 or close to it before you attempt to do it. Barclays is a good one for initial account funding. People have funded Citi checking accounts with Barclays cards $40K+. Glad I haven't hit the non-personalized VGC wall yet. Hit my local Target yesterday for the first time in a while. Still not asking for ID. Still don't care if I load multiple Redbirds at the same time. Being able to liquidate $10K at a time with no hassles, no paperwork, no MO fees is still great. And I still got 5% off my toothpaste, razors and laundry detergent. Link to comment Share on other sites More sharing options...
BDK Posted May 28, 2015 Share Posted May 28, 2015 I am surprised this isn't being understood so maybe I am doing a poor job explaining it. You pay $6.95 fee per card at Staples on every $200. If you buy 3 at a time, after rebate, you are getting over 3K UR for $0.85. If you buy 2 at a time after rebate, you get 2K UR points and and $6.10 cash back. If your goal is some UR and some cash back then buying 2 at a time is fine. If your goal is to hit 50k spending on your INK Plus, then obviously buying 3 at a time is better. Most people have a maximum amount of addresses they can send rebates to...The point of buying 3 at a time during rebate promotions is getting the INK points for as close to free as possible. Maybe try Circles and Arrows? The "goal" should be to maximize every promotion that comes down the road. And there shouldn't be ANY problem MSing $4,166.67/month at Office Supply stores. $50k is much too low of a cap. Link to comment Share on other sites More sharing options...
Rorer_714 Posted May 28, 2015 Share Posted May 28, 2015 (edited) I am surprised this isn't being understood so maybe I am doing a poor job explaining it. You pay $6.95 fee per card at Staples on every $200. If you buy 3 at a time, after rebate, you are getting over 3K UR for $0.85. If you buy 2 at a time after rebate, you get 2K UR points and and $6.10 cash back. If your goal is some UR and some cash back then buying 2 at a time is fine. If your goal is to hit 50k spending on your INK Plus, then obviously buying 3 at a time is better. Most people have a maximum amount of addresses they can send rebates to...The point of buying 3 at a time during rebate promotions is getting the INK points for as close to free as possible. You are missing the point. If you buy 1.2k, 2.4k, 3.6k or 4.8k in GC's at Staples it does not matter if you buy two or three at a time. You get the same amount of UR points. To maximize the amount of rebates you want to buy two at a time. Don't over think this. KISS! You are trying to compare buying 400 vs 600. It doesn't work that way. How much do you want to buy and then we can decide the best way to do it. Edited May 28, 2015 by Rorer_714 Link to comment Share on other sites More sharing options...
Rorer_714 Posted May 28, 2015 Share Posted May 28, 2015 And there shouldn't be ANY problem MSing $4,166.67/month at Office Supply stores. That is not even one days purchase. Link to comment Share on other sites More sharing options...
djhall Posted May 28, 2015 Share Posted May 28, 2015 (edited) K: "Excuse me ma'am, do you happen to have any more $200 Visa gift cards in the back?" Staples Mgr: "Everything we have is on the shelf." K: "Do you happen to know when you expect to receive more ma'am?" Staples Mgr: "We received a shipment this morning, but we haven't put them out yet." K: Stops for several seconds, decides anything about to come out of his mouth is going to be unconducive to future visits to this location. Decides instead to say "Thank you". Walks out. That reminded me of a local deli: Me: "I'd like a quart of potato salad." Clerk: "We only have pints." Me: "In that case, I'll take two pints." Clerk: "Would you like that in one container?" Nothing good comes from saying anything other than, "That would be perfect. Thanks." but, dear god, do you realize what you just said!?!?!? Edited May 28, 2015 by djhall Link to comment Share on other sites More sharing options...
shifter Posted May 28, 2015 Share Posted May 28, 2015 all I can say about stuff like that is .... "that's why they work at XXXXX" Link to comment Share on other sites More sharing options...
kayvebear Posted May 28, 2015 Share Posted May 28, 2015 I am surprised this isn't being understood so maybe I am doing a poor job explaining it. You pay $6.95 fee per card at Staples on every $200. If you buy 3 at a time, after rebate, you are getting over 3K UR for $0.85. If you buy 2 at a time after rebate, you get 2K UR points and and $6.10 cash back. If your goal is some UR and some cash back then buying 2 at a time is fine. If your goal is to hit 50k spending on your INK Plus, then obviously buying 3 at a time is better. Most people have a maximum amount of addresses they can send rebates to...The point of buying 3 at a time during rebate promotions is getting the INK points for as close to free as possible. You are missing the point. If you buy 1.2k, 2.4k, 3.6k or 4.8k in GC's at Staples it does not matter if you buy two or three at a time. You get the same amount of UR points. To maximize the amount of rebates you want to buy two at a time. Don't over think this. KISS! You are trying to compare buying 400 vs 600. It doesn't work that way. How much do you want to buy and then we can decide the best way to do it. If you buy 4.8k at a time, you are paying a massive amount in VGC fees. At $600, the fees are wiped and the UR is free due to the rebate.. KISS Link to comment Share on other sites More sharing options...
vagrants Posted May 28, 2015 Share Posted May 28, 2015 I am surprised this isn't being understood so maybe I am doing a poor job explaining it. You pay $6.95 fee per card at Staples on every $200. If you buy 3 at a time, after rebate, you are getting over 3K UR for $0.85. If you buy 2 at a time after rebate, you get 2K UR points and and $6.10 cash back. If your goal is some UR and some cash back then buying 2 at a time is fine. If your goal is to hit 50k spending on your INK Plus, then obviously buying 3 at a time is better. Most people have a maximum amount of addresses they can send rebates to...The point of buying 3 at a time during rebate promotions is getting the INK points for as close to free as possible. You are missing the point. If you buy 1.2k, 2.4k, 3.6k or 4.8k in GC's at Staples it does not matter if you buy two or three at a time. You get the same amount of UR points. To maximize the amount of rebates you want to buy two at a time. Don't over think this. KISS! You are trying to compare buying 400 vs 600. It doesn't work that way. How much do you want to buy and then we can decide the best way to do it. If you buy 4.8k at a time, you are paying a massive amount in VGC fees. At $600, the fees are wiped and the UR is free due to the rebate.. KISS I think you are still missing the point...but I understand your point as well. For this particular $20 offer, $600 win. Happy? Link to comment Share on other sites More sharing options...
kayvebear Posted May 28, 2015 Share Posted May 28, 2015 (edited) I am surprised this isn't being understood so maybe I am doing a poor job explaining it. You pay $6.95 fee per card at Staples on every $200. If you buy 3 at a time, after rebate, you are getting over 3K UR for $0.85. If you buy 2 at a time after rebate, you get 2K UR points and and $6.10 cash back. If your goal is some UR and some cash back then buying 2 at a time is fine. If your goal is to hit 50k spending on your INK Plus, then obviously buying 3 at a time is better. Most people have a maximum amount of addresses they can send rebates to...The point of buying 3 at a time during rebate promotions is getting the INK points for as close to free as possible. You are missing the point. If you buy 1.2k, 2.4k, 3.6k or 4.8k in GC's at Staples it does not matter if you buy two or three at a time. You get the same amount of UR points. To maximize the amount of rebates you want to buy two at a time. Don't over think this. KISS! You are trying to compare buying 400 vs 600. It doesn't work that way. How much do you want to buy and then we can decide the best way to do it. If you buy 4.8k at a time, you are paying a massive amount in VGC fees. At $600, the fees are wiped and the UR is free due to the rebate.. KISS I think you are still missing the point...but I understand your point as well. For this particular $20 offer, $600 win. Happy? Happy Edited May 28, 2015 by kayvebear Link to comment Share on other sites More sharing options...
Rorer_714 Posted May 29, 2015 Share Posted May 29, 2015 If you buy 4.8k at a time, you are paying a massive amount in VGC fees. At $600, the fees are wiped and the UR is free due to the rebate.. KISS You really need to take it slow since you are not understanding this game. Look at two individuals buying 1.2k of GC's. You buy 2 x 600. I buy 3 x 400. The amount of fees and UR points earned are exactly the same. I receive three rebates and you receive two. With rebates buy in smaller amounts (2 x 200). With no rebates it does not matter what increments you buy in. Link to comment Share on other sites More sharing options...
Konrad2012 Posted May 29, 2015 Author Share Posted May 29, 2015 You sell your points and value them less. Link to comment Share on other sites More sharing options...
Rorer_714 Posted May 29, 2015 Share Posted May 29, 2015 You sell your points and value them less. What does this have to do with buy two or three GC's at a time? Why would someone who sells their points value them less? Link to comment Share on other sites More sharing options...
donuteric Posted May 29, 2015 Share Posted May 29, 2015 You should be fine depositing locally. Their mobile app doesn't take MO. And yes, they do take CC for initial funding. I can't remember how much, but Arrival+ posted as purchase. Many reported Chase as well. Edit. Btw, I had been burned before with initial funding on deposit accounts posted as CA despite what others reported. So it's always better to set your CA limit to $0 or close to it before you attempt to do it. Barclays is a good one for initial account funding. People have funded Citi checking accounts with Barclays cards $40K+. Glad I haven't hit the non-personalized VGC wall yet. Hit my local Target yesterday for the first time in a while. Still not asking for ID. Still don't care if I load multiple Redbirds at the same time. Being able to liquidate $10K at a time with no hassles, no paperwork, no MO fees is still great. And I still got 5% off my toothpaste, razors and laundry detergent. Me too. I joined the CU for buying personalized MO and it was before I had access to SM. Unloading is relatively straightforward in my neighborhood so the personalized card doesn't help much. With SMGC, I can load and unload 10k in one trip for a couple of hours, several times a month. Waiting the cards to arrive in the mail just takes way too long. I suppose for folks in tough areas, this can be helpful. AFAIK, this is the cheapest personalized VGC. Link to comment Share on other sites More sharing options...
kayvebear Posted May 30, 2015 Share Posted May 30, 2015 Wow sweet. Just logged into my TCB account and they matched the 2.2% from befrugal so I got $44.44 back on that order making it free Link to comment Share on other sites More sharing options...
Konrad2012 Posted June 1, 2015 Author Share Posted June 1, 2015 So I went to a new Target (for me). Happened to be near Smart and Final. Had some VGC's to dump. Chit chatting with the girl, ask her if the Redbird business had dropped off since they quit accepting credit card loads. "Oh, we still take credit cards". Euphoria! $1000. Swiped the card. It accepted and the signature box showed up on the screen. I'm thinking, "This is awesome!!! I broke Target" Then, she says, "Oh, the system cancelled it." Emotional roller coaster. Link to comment Share on other sites More sharing options...
cloknem Posted June 1, 2015 Share Posted June 1, 2015 So I went to a new Target (for me). Happened to be near Smart and Final. Had some VGC's to dump. Chit chatting with the girl, ask her if the Redbird business had dropped off since they quit accepting credit card loads. "Oh, we still take credit cards". Euphoria! $1000. Swiped the card. It accepted and the signature box showed up on the screen. I'm thinking, "This is awesome!!! I broke Target" Then, she says, "Oh, the system cancelled it." Emotional roller coaster. Damn, I was on my way out the door! Link to comment Share on other sites More sharing options...
Konrad2012 Posted June 1, 2015 Author Share Posted June 1, 2015 So I went to a new Target (for me). Happened to be near Smart and Final. Had some VGC's to dump. Chit chatting with the girl, ask her if the Redbird business had dropped off since they quit accepting credit card loads. "Oh, we still take credit cards". Euphoria! $1000. Swiped the card. It accepted and the signature box showed up on the screen. I'm thinking, "This is awesome!!! I broke Target" Then, she says, "Oh, the system cancelled it." Emotional roller coaster. Damn, I was on my way out the door! When I swiped that CC and the signature box appeared on the screen, I was giddy. Link to comment Share on other sites More sharing options...
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