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M$ speed bumps

Konrad2012

By Konrad2012
in Advanced Credit Topics

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The last post in this topic was posted 1423 days ago. 

 

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casemodgod

casemodgod

Posted
Posted

None of the Targets near me sell Redbirds, they are literally on the other side of the state. That or buy one off of eBay for $30+. A got American Express for Target by mistake. :(

 

Just buy one off Ebay. Yes its a premium, but its worth it.

 

I live in a region where Target is testing them all around me. But the stores IN my city, nope, not testing there.

 

So, I'm gonna have to drive about 1.5 hours RT to get one. Figure 2 gallons of gas to be fair, thats $6, then the purchase

and load, another $5-10 for the sake of saying it. $30 is reasonable, its a markup, sure, but its not absurd. You can easily

make that back.


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Kat58
Kat58

You need to STOP asking stores questions and read this thread first.  

centex
centex

I've had no problems at a local grocery store (national chain) running both store-type gift cards as well as the V/MC/AXP gift cards and paying with American Express.  Granted, i was not doing it for

hyschmied
hyschmied

Vanilla. They work with serve at Family Dollar but not at Walmart.  I'll add that it is hit or miss on variable loads. My closest Walgreens only carries $200 VGC's. Another town away they have $50

Konrad2012

Konrad2012

Posted
  • Author
Posted

 

 

more at this per hour than their normal job.

then they need a better job...

I make a reasonable 29.72 an hour

Msing I make around 52 an hour

Post tax, probably closer to 80-100 equivalency.

GoEagles997

GoEagles997

Posted
Posted (edited)

 

None of the Targets near me sell Redbirds, they are literally on the other side of the state. That or buy one off of eBay for $30+. A got American Express for Target by mistake. :(

 

Just buy one off Ebay. Yes its a premium, but its worth it.

 

I live in a region where Target is testing them all around me. But the stores IN my city, nope, not testing there.

 

So, I'm gonna have to drive about 1.5 hours RT to get one. Figure 2 gallons of gas to be fair, thats $6, then the purchase

and load, another $5-10 for the sake of saying it. $30 is reasonable, its a markup, sure, but its not absurd. You can easily

make that back.

 

 

Just did. Was my birthday recently I used brought it using a MGC via PayPal. From what I've skimmed so far, I can load the Redbird with VGCs, but not MGCs? Can you have Amex for Target and a Redbird at same time?

Edited by GoEagles997
JeffeVerde

JeffeVerde

Posted
Posted (edited)

There's an issue (and a workaround) for MGC's at wallyworld. I haven't heard the same of targé (but I've also not read anything about there not being an issue at targé ).

 

Konrad - have you fed your birds MGC's?

Edited by JeffeVerde
Wross

Wross

Posted
Posted

There's an issue (and a workaround) for MGC's at wallyworld. I haven't heard the same of targé (but I've also not read anything about there not being an issue at targé ).

 

Konrad - have you fed your birds MGC's?

MGC should be fine, since IIRC the only problem at wm was that it defaulted to credit.
Konrad2012

Konrad2012

Posted
  • Author
Posted

There's an issue (and a workaround) for MGC's at wallyworld. I haven't heard the same of targé (but I've also not read anything about there not being an issue at targé ).

 

Konrad - have you fed your birds MGC's?

Yes loaded 9 of them yesterday. Tell the cashier how much you want to load, Swipe, press cancel, press credit, sign, swipe the rest of the cards.

 

Staples has a rebate on MCG's for another day.

cv91915

cv91915

Posted
Posted

 

 

MS for dummies like me.

 

The easiest way to get started is with a Red Card. If you don't have them in your area you can buy one on DDF for $20. You can load 5k/mo to the RC at Target using any CC. You drain the funds via bill pay or transfer to your checking/savings account.

 

Next would be using CC's 5x categories like G/G/D (grocery/gas/drug stores) to purchase GC's. You then find stores that let you purchase MO's (money orders) with the GC's. Deposit MO's and pay off your CC.

 

Rinse and repeat.

This may be a stupid question....but what is DDF? I googled it and it came back as an acronym for Drug and Disease Free.....I'm assuming this use is something different.

You need to stay off of Grindr.

mendelssohn

mendelssohn

Posted
Posted

How many of you are msing a BlueCashPreferred or Freedom or Discover?

Those cards all have spending caps, which limits the potential. The grocery category on the BCP is good for $285 per year after the AF.

CreditNewb15

CreditNewb15

Posted
Posted (edited)

 

How many of you are msing a BlueCashPreferred or Freedom or Discover?

Those cards all have spending caps, which limits the potential. The grocery category on the BCP is good for $285 per year after the AF.

 

 

This is where the disconnect is between the ms pros and someone like me, who is just starting.

I'm 0-6 trying to buy gift cards at grocery stores with a credit card.

But someone who has bigger fish to fry wouldn't even bother with that.

 

Going to Target 6 times in a month is basically no-hassle.

Edited by CreditNewb15
mendelssohn

mendelssohn

Posted
Posted

 

 

 

How many of you are msing a BlueCashPreferred or Freedom or Discover?

Those cards all have spending caps, which limits the potential. The grocery category on the BCP is good for $285 per year after the AF.

This is where the disconnect is between the ms pros and someone like me, who is just starting.

I'm 0-6 trying to buy gift cards at grocery stores with a credit card.

But someone who has bigger fish to fry wouldn't even bother with that.

 

Going to Target 6 times in a month is basically no-hassle.

That doesn't change the caps in the bonus categories.

CreditNewb15

CreditNewb15

Posted
Posted

 

 

 

How many of you are msing a BlueCashPreferred or Freedom or Discover?

Those cards all have spending caps, which limits the potential. The grocery category on the BCP is good for $285 per year after the AF.

This is where the disconnect is between the ms pros and someone like me, who is just starting.

I'm 0-6 trying to buy gift cards at grocery stores with a credit card.

But someone who has bigger fish to fry wouldn't even bother with that.

 

Going to Target 6 times in a month is basically no-hassle.

That doesn't change the caps in the bonus categories.

 

 

I don't follow.

I'll use myself as an example.

 

The only rewards cards I have are: Quicksilver, Venture, Barclay Rewards, and Freedom.

I'm trying to pimp out my Freedom and Barclays cards to prompt CLIs.

They are both 1% cards out of category, which no MSer would find worthwhile.

mendelssohn

mendelssohn

Posted
Posted

 

 

 

 

 

How many of you are msing a BlueCashPreferred or Freedom or Discover?

Those cards all have spending caps, which limits the potential. The grocery category on the BCP is good for $285 per year after the AF.

This is where the disconnect is between the ms pros and someone like me, who is just starting.

I'm 0-6 trying to buy gift cards at grocery stores with a credit card.

But someone who has bigger fish to fry wouldn't even bother with that.

 

Going to Target 6 times in a month is basically no-hassle.

That doesn't change the caps in the bonus categories.

I don't follow.

I'll use myself as an example.

 

The only rewards cards I have are: Quicksilver, Venture, Barclay Rewards, and Freedom.

I'm trying to pimp out my Freedom and Barclays cards to prompt CLIs.

They are both 1% cards out of category, which no MSer would find worthwhile.

You asked if anyone was using those cards for M$, and I was pointing out the limited potential. At least with the Freedom, the UR points can be used for transfer into miles if you have a CSP or IP.

 

1% cash back is a waste of time IMO.

CreditNewb15

CreditNewb15

Posted
Posted (edited)

 

You asked if anyone was using those cards for M$, and I was pointing out the limited potential. At least with the Freedom, the UR points can be used for transfer into miles if you have a CSP or IP.

 

1% cash back is a waste of time IMO.

 

 

Right, but because my primary goal is to get higher credit limits, the 1% is fine for me.

Maxing out the Freedom's category bonus is somewhere around a $50 difference for me over the span of 3 months.

Not worth it to try and track down a participating grocery store or gas station for ~$20 a month.

Which is why in another thread I mentioned I was too lazy to max out the category bonuses.

 

Then people went apes**t like I was degrading them for MSing or something.

Edited by CreditNewb15
cv91915

cv91915

Posted
Posted

 

 

Then people went apes**t like I was degrading them for MSing or something.

No one went apesh!+ on you. Lose the dramatics

 

 

If you want to see ape$#!t from me, just bring up Walmart® or Buca di Beppo®. :lol:

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