Using a prepaid card to pay bills

For just about anything you want to get off your chest about credit cards.
5 posts
yuppicide
Green Member
Green Member
 
Posts: 5
Joined: Tue Nov 17, 2015 12:37 pm

Using a prepaid card to pay bills

Postby yuppicide » Mon Dec 14, 2015 11:14 pm

I have some real credit cards (and other bills) that I'd like to pay online.. but some of them have ridiculous charges if you wish to pay by credit card. One of them charges you $10.95 convenience fee, yet if I do it myself through the website electronically it's free.

So, I've had a Green Dot card for what seems like forever. It originally started out as a $4.95 a month fee. I was okay with that because back then I didn't have a real credit card and it provided me a needed service. But then they upped their monthly fee to $5.95 and now they say it's going up to $8.95. That's ridiculous. I cancelled it. I was using the card all the time to do online bill payments and make purchases.

I was shopping around for another card that would provide me the same benefit with a cheaper monthly rate or none. I picked up a MyVanilla card, because I needed something quick because bills were due soon. They charge you 50 cents per transaction, which is fine because it would be less than $5 a month. So I loaded money on it and set up 3 bill payments. That was around Thanksgiving. One by one the people were crediting my account, so I figured all was good. Not so. December 2 rolls around and PayPal Credit sent me an email that my payment was rejected. I went on PayPal's website and confirmed the bank account and routing number were correct. I called PayPal and they just told me I need to contact MyVanilla. MyVanilla says I need to call back PayPal. They said they never saw a "prenote" and that is can take up to XX amount of days (I forget the number). When I had the Green Dot card I never had such issues. I spoke with multiple people at MyVanilla.

So, December 4th rolls around and I get a call at work from another one of the bills I thought was paid. They said the payment got rejected as well and if I'd like to take care of the matter on the phone via Debit Card. I forget what the fee was, but there was a fee for doing so.

The third bill was a credit card and it was rejected too. But now it was also late. So the bill is now over $80 because it's late.

MyVanilla still insists they don't see a prenote. They want me to conference the other person on the phone with them, but I don't have two phone lines.

(If you're wondering the MyVanilla website is VERY vanilla (plain) and I wouldn't recommend that card. You cannot do bill payment through their website.. they only provide account number and routing number for you to do it through the bill collectors website)

So, I cancel the MyVanilla. I picked up an American Express Serve. Much better. $1 a month. Website is awesome. Phone app too. Can pay bills right through their website.

So I load a shit load of cash on it. I buy some Christmas presents. I pay some bills via debit card like my car insurance. I start setting up people in the Serve website for bill payment. I do some bill payments.. it tells me when the person might receive the money and says it will be faster if I go through their website, so the bills that aren't due yet I pay through Serve website. The bills that are late I schedule through that person's website.

So the bills that I pay through Serve website seem to be going through. Shows them being delivered and they should credit my account in a day or two.

Problem is the ones I paid through the other website isn't going through again.. it's one of the ones I am already late on! I have two credit cards with them and now the second card might be late too. On their website, they already credited my account, but on Serve's website they don't see any prenote or sign or anyone trying to debit my account. The money is definitely not taken out of my account because I have everything itemized on an Expenses Excel sheet I made.

Any ideas what could be wrong?

I cut and paste the account and routing from Serve's website. I can't see the full number on other websites, but I can see the last 4 digits. At least with PayPal if I try to add it a second time it will give me a message saying it already exists, so I know it's entered right.


Gamma
Centurion Member
Centurion Member
 
Posts: 464
Joined: Sat Sep 15, 2012 1:15 am
Location: Los Angeles, CA

Re: Using a prepaid card to pay bills

Postby Gamma » Tue Dec 15, 2015 1:06 am

The Serve account and routing number can only be used for direct deposit. It will NOT work for ach payments. So bill paying a credit card company or any company using the account and routing number from Serve won't work. Only way you can pay them is bill pay via Serve website or using the Serve card number. If the bank or company isn't listed in the bill pay system, you can add them to the system and they will send a physical check in the mail. I recommend using the bill pay system from Serve to pay the credit cards you're already late on.
The payment you made using the account and routing number to the credit cards will be rejected. It tells you online in the Serve website while viewing your account number that it can only be used for direct deposit.

augiedog
Centurion Member
Centurion Member
 
Posts: 252
Joined: Fri Jun 07, 2013 9:46 am
Location: Broward County FL

Re: Using a prepaid card to pay bills

Postby augiedog » Tue Dec 15, 2015 1:16 am

You need to use the bill pay from the Serve website.

I remember I told you to get the Bluebird since it comes with a checkbook! That might be useable with online payments on Paypal. But it might be wise to use the bill pay feature just to be safe.
American Express: Blue Cash Everyday (10k), Everyday, ; Discover It (7.3k) ; Target (2.1k)

Citi: Diamond (2k) ; Bank of America: Cash Rewards (2.6k) ; Capital One: Quicksilver (3k) , Sony ; Chase: Freedom (3.7k), Slate (3k), (Amazon) ; Barclay Ring ; Synchrony: Walmart MC, Amazon, Ebates

yuppicide
Green Member
Green Member
 
Posts: 5
Joined: Tue Nov 17, 2015 12:37 pm

Re: Using a prepaid card to pay bills

Postby yuppicide » Tue Dec 15, 2015 8:10 pm

Thanks for the read and replies.

You guys are right. It is in very small print. I didn't see it. I am glad I came here. I just don't understand why people who work at actual credit card companies don't know to tell me that.

The only reason I didn't go with Bluebird is because I saw it can only be reloaded at Walmart.. but now I see I can snap a photo of my check and have it directly deposited. I like that, but I don't think I want to deposit my whole check. I'll have to think that over. If I can withdraw some cash at an ATM it might work well for me.. because not every store accepts Amex and thus I might save money by not buying things. A lot of people seem to say to stay away from Bluebird (I guess it's really just aimed at AMEX in general). Some people say certain stores will and will not take Amex.. and I'm talking about stores within the same chain like Walmart even or Dollar General. They're saying it's hit or miss because the fees are so high for the retailer.

Anyway, I might stick with Serve for now.. especially now that I know I'm not going crazy. I've got about 7 or 8 credit cards (all balances under $1000 and I'm not counting gas cards I have). Starting the new years I'm gonna pay them all off and keep maybe 3 of them. I don't mean that as a New Years resolution nobody keeps. I just mean after the holidays I won't need to buy any one gifts, so I'll have more free money.

augiedog
Centurion Member
Centurion Member
 
Posts: 252
Joined: Fri Jun 07, 2013 9:46 am
Location: Broward County FL

Re: Using a prepaid card to pay bills

Postby augiedog » Tue Dec 15, 2015 8:42 pm

The Bluebird has free ATM access at the same ATMs that GreenDot uses, MoneyPass. I personally have not come across a merchant that refuses Amex in at least a year. Possibly some corner stores don't accept Amex, but every major retailer and gas station accepts Amex as far as I know. It's good to have cash on hand. To me, the cash reloads at Walmart is a great deal since I do shop there frequently.

It can get confusing and overwhelming to use many cards and meet the redemption requirements to get meaningful rewards. I am actually a real-world example of how one can get by just having an Amex in his wallet, since my Amex Blue Cash has been the only card I've been carrying in my wallet lately! Of course, I have some new cards and will meet their spending bonus, but I don't plan on keeping them in my wallet after that (keeping it light and not so bulky! I have a lot of gift cards this year that are taking the spot of my credit cards).

I hope everything works out for you and appreciate you keeping us posted. It's wise of you to cut back your banking fees. I haven't paid a single banking fee in my life! To some, a fee such as a credit card annual fee makes sense, but I don't spend enough to make sense of the fees.
American Express: Blue Cash Everyday (10k), Everyday, ; Discover It (7.3k) ; Target (2.1k)

Citi: Diamond (2k) ; Bank of America: Cash Rewards (2.6k) ; Capital One: Quicksilver (3k) , Sony ; Chase: Freedom (3.7k), Slate (3k), (Amazon) ; Barclay Ring ; Synchrony: Walmart MC, Amazon, Ebates



Return to “General Credit Card Talk”

Who is online

Users browsing this forum: No registered users and 2 guests