Bluebird

All about maximizing your rewards!
Members share tips and tricks for getting the most miles, & points.
101 posts
Mountainmanduy
Green Member
Green Member
 
Posts: 23
Joined: Mon Mar 04, 2013 4:57 am
Location: San Jose

Postby Mountainmanduy » Sun Mar 17, 2013 12:28 pm

You actually call Fraud monitoring department before going to CVS? Yesterday when I went to CVS, he swiped the card to reload. He did not know if it was credit card only, so he asked his coworker and she said only cash only. I have heard some place debit cards only. Could we just buy the store's gift card and use that as a valid payment for the card?

nishant wrote:My experience in buying Vanilla Reloads from CVS in Chicago area has been free of any issues. Almost every stores has dozen of cards stacked in the prepaid section.

I have bought 15 cards in last 3 months from 5 different stores and all my limits for 5% cash back cards are used up.

I have been using my CVS points cards as well each time when I buy VR using credit cards without any issue. At times, they ask for ID other times did not ask.

I think, my approach of calling Fraud monitoring department- Not the customer service- before I started buying these VR- seems to have helped in going through the transaction without any issue.

Now that I have used up 5% cards, using 2% cash back cards for VR is not very profitable because you get net 1.21% considering VR fee of $3.95.

That will slow down use of VR for Bluebird


nishant
Centurion Member
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Posts: 120
Joined: Wed Dec 19, 2012 10:07 am
Location: Chicago

Postby nishant » Sun Mar 17, 2013 2:42 pm

I donot call fraud monitoring department every time but only first time. It has nothing to do with CVS. It could have been any stores. Most credit cards have algorithm which compares normal activity with high expense single item and if you have not informed fraud department before hand, it will decline the transaction with a message " Alternate Tender Required".

Now for the rest of the year, my card will be inactive so next time I need to use to get cash back, I will call again.

Gift card is not accepted to buy Vanilla Reload.

FutureBillionaire
Centurion Member
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Posts: 1590
Joined: Sun Jun 19, 2011 2:37 pm
Location: Down South

Postby FutureBillionaire » Mon Mar 18, 2013 4:36 pm

nishant wrote:My experience in buying Vanilla Reloads from CVS in Chicago area has been free of any issues. Almost every stores has dozen of cards stacked in the prepaid section.

I have bought 15 cards in last 3 months from 5 different stores and all my limits for 5% cash back cards are used up.

I have been using my CVS points cards as well each time when I buy VR using credit cards without any issue. At times, they ask for ID other times did not ask.

I think, my approach of calling Fraud monitoring department- Not the customer service- before I started buying these VR- seems to have helped in going through the transaction without any issue.

Now that I have used up 5% cards, using 2% cash back cards for VR is not very profitable because you get net 1.21% considering VR fee of $3.95.

That will slow down use of VR for Bluebird


The profits aren't the main reason for me. I also like to use CC to pay for things that normally don't accept cc payments.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

Mountainmanduy
Green Member
Green Member
 
Posts: 23
Joined: Mon Mar 04, 2013 4:57 am
Location: San Jose

Postby Mountainmanduy » Mon Mar 18, 2013 8:34 pm

Thanks for the insight. Yeah it has been so hard to get those vanilla reload. I been trying to find ways to churn out more miles besides the obvious things like paying bills and other expenses. I finally managed to get the visa vanilla preload card, but that comes with a transaction fee every time of 50 cents. I been trying to find a free prepaid debit card, which I have no luck with.

DavidNY
Centurion Member
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Posts: 1332
Joined: Tue Jul 05, 2011 12:28 pm
Location: New York

Postby DavidNY » Mon Mar 18, 2013 9:00 pm

Mountainmanduy wrote:I finally managed to get the visa vanilla preload card, but that comes with a transaction fee every time of 50 cents.


The non-reloadable vanilla prepaid card doesn't have a 50 cent fee for purchases.

FutureBillionaire
Centurion Member
Centurion Member
 
Posts: 1590
Joined: Sun Jun 19, 2011 2:37 pm
Location: Down South

Postby FutureBillionaire » Tue Mar 19, 2013 5:44 pm

I'm hearing rumors that CVS is beginning to change their policy regarding using credit cards to pay for vanilla reloads. I will keep everyone posted.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

nishant
Centurion Member
Centurion Member
 
Posts: 120
Joined: Wed Dec 19, 2012 10:07 am
Location: Chicago

Postby nishant » Tue Mar 19, 2013 6:43 pm

No Vanilla Reloads on credit card, then No use of Bluebird. As simple as that.

FutureBillionaire
Centurion Member
Centurion Member
 
Posts: 1590
Joined: Sun Jun 19, 2011 2:37 pm
Location: Down South

Postby FutureBillionaire » Tue Mar 19, 2013 6:54 pm

nishant wrote:No Vanilla Reloads on credit card, then No use of Bluebird. As simple as that.


Not necessarily. I have another strategy in mind, if it works. I think I may test it out later this week.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

Mountainmanduy
Green Member
Green Member
 
Posts: 23
Joined: Mon Mar 04, 2013 4:57 am
Location: San Jose

Postby Mountainmanduy » Tue Mar 19, 2013 10:30 pm

Whats your strategy? I might as well be a test dummy.

Mountainmanduy
Green Member
Green Member
 
Posts: 23
Joined: Mon Mar 04, 2013 4:57 am
Location: San Jose

Postby Mountainmanduy » Tue Mar 19, 2013 10:31 pm

I will have to be on the lookout for non reloadable no fee vanilla reloads.



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