s*****6
发帖数: 74 | 1 今天去CVS，发现一堆Vanilla Reload Network，本想用信用卡买一张，再用500块的
American Express gift card买一张，信用卡的成功买到，gift card刷卡后，选择
gift card的选项后系统却无法通过。是不是在CVS无法用gift card（无论是VISA,
MASTERCARD, 还是AMERICAN EXPRESS)来买Vanilla Reload啊？ |
y****i
发帖数: 17878 | 2 you should have chosen "credit card"
【在 s*****6 的大作中提到】
: 今天去CVS，发现一堆Vanilla Reload Network，本想用信用卡买一张，再用500块的
: American Express gift card买一张，信用卡的成功买到，gift card刷卡后，选择
: gift card的选项后系统却无法通过。是不是在CVS无法用gift card（无论是VISA,
: MASTERCARD, 还是AMERICAN EXPRESS)来买Vanilla Reload啊？
|
s*****6
发帖数: 74 | 3 也就是说，即使我拿amex gift card，刷完后选择“credit card”的选项，就能成功
吗？
【在 y****i 的大作中提到】
: you should have chosen "credit card"
|
y****i
发帖数: 17878 | 4 yes
"gift card" option means CVS gift card which of course won't go through
【在 s*****6 的大作中提到】
: 也就是说，即使我拿amex gift card，刷完后选择“credit card”的选项，就能成功
: 吗？
|
s*****6
发帖数: 74 | 5 多谢，我下次再去试试
【在 y****i 的大作中提到】
: yes
: "gift card" option means CVS gift card which of course won't go through
|
q******o
发帖数: 1107 | 6 为什么不用你的cc呢，用amex,visa之类的gc买不是又有一个$3.95或者$5.95的费用产
生吗？
【在 s*****6 的大作中提到】
: 今天去CVS，发现一堆Vanilla Reload Network，本想用信用卡买一张，再用500块的
: American Express gift card买一张，信用卡的成功买到，gift card刷卡后，选择
: gift card的选项后系统却无法通过。是不是在CVS无法用gift card（无论是VISA,
: MASTERCARD, 还是AMERICAN EXPRESS)来买Vanilla Reload啊？
|
s*****6
发帖数: 74 | 7 目前我的credit card在pharmacy没有高的返利，但我有amex blue cash preferred在
grocery买gift card有6%
【在 q******o 的大作中提到】
: 为什么不用你的cc呢，用amex,visa之类的gc买不是又有一个$3.95或者$5.95的费用产
: 生吗？
|
f*****e
发帖数: 5177 | 8 那3.95 activate fee怎么付？刷另外一张卡？
【在 s*****6 的大作中提到】
: 今天去CVS，发现一堆Vanilla Reload Network，本想用信用卡买一张，再用500块的
: American Express gift card买一张，信用卡的成功买到，gift card刷卡后，选择
: gift card的选项后系统却无法通过。是不是在CVS无法用gift card（无论是VISA,
: MASTERCARD, 还是AMERICAN EXPRESS)来买Vanilla Reload啊？
|
y****i
发帖数: 17878 | 9 so you get paid $20 each time you buy a $500 GC //hoho
【在 s*****6 的大作中提到】
: 目前我的credit card在pharmacy没有高的返利，但我有amex blue cash preferred在
: grocery买gift card有6%
|
y****i
发帖数: 17878 | 10 just load $496 which makes everyone's life easier
hoho
【在 f*****e 的大作中提到】
: 那3.95 activate fee怎么付？刷另外一张卡？
|
|
|
s*****6
发帖数: 74 | 11 今天收银员还专门拿纸笔给我算了一下496.05
【在 y****i 的大作中提到】
: just load $496 which makes everyone's life easier
: hoho
|
y****i
发帖数: 17878 | 12 so nice
hehe
【在 s*****6 的大作中提到】
: 今天收银员还专门拿纸笔给我算了一下496.05
|
z*******i
发帖数: 2904 | 13
为什么20呢 老余是算上atm withdraw的费用了吗
【在 y****i 的大作中提到】
: so you get paid $20 each time you buy a $500 GC //hoho
|
e*i
发帖数: 10288 | 14 vanilla reload is cash already. Why do you want to get real cash?
virtual cash is better for me.
【在 z*******i 的大作中提到】
:
: 为什么20呢 老余是算上atm withdraw的费用了吗
|
s**n
发帖数: 425 | 15 For those who had the old Amex blue cash card (not blue cash everyday or
blue cash prefered), you have 5% from CVS, unlimited |
z*******i
发帖数: 2904 | 16
我还在用netspend，有时候转账到其他银行账户，有时候取一些现金出来，这样虽然产
生一些费用，但是让netspend多多少少赚一点免得把账户咔嚓了。
好奇为什么老余算了20，如果拿cc买gc再买vr，不cash out的话，每500也就10手续费
吧。
【在 e*i 的大作中提到】
: vanilla reload is cash already. Why do you want to get real cash?
: virtual cash is better for me.
|
y****i
发帖数: 17878 | 17 he uses AmEx blue cash preferred to buy GC at grocery, then uses GC to buy
VR at CVS
$500 x 6% - $5.95 - $3.95 = ~$20
【在 z*******i 的大作中提到】
:
: 我还在用netspend，有时候转账到其他银行账户，有时候取一些现金出来，这样虽然产
: 生一些费用，但是让netspend多多少少赚一点免得把账户咔嚓了。
: 好奇为什么老余算了20，如果拿cc买gc再买vr，不cash out的话，每500也就10手续费
: 吧。
|
z*******i
发帖数: 2904 | 18
哦 净收入啊 我以为是支出呢
【在 y****i 的大作中提到】
: he uses AmEx blue cash preferred to buy GC at grocery, then uses GC to buy
: VR at CVS
: $500 x 6% - $5.95 - $3.95 = ~$20
|
y****i
发帖数: 17878 | 19 5% after $6,500 spending, right?
【在 s**n 的大作中提到】
: For those who had the old Amex blue cash card (not blue cash everyday or
: blue cash prefered), you have 5% from CVS, unlimited
|
s***d
发帖数: 973 | 20 Yes, 5% at grocery, drug store or gas station after $6500 spending. Before $
6500 it's 1%.
【在 y****i 的大作中提到】
: 5% after $6,500 spending, right?
|
|
|
w*******1
发帖数: 112 | 21 哪个地方的CVS有卖啊？去了BOSTON城里4家CVS，都没Vanilla Reload Network。
最接近的 one valilla visa gift card...
【在 s*****6 的大作中提到】
: 今天去CVS，发现一堆Vanilla Reload Network，本想用信用卡买一张，再用500块的
: American Express gift card买一张，信用卡的成功买到，gift card刷卡后，选择
: gift card的选项后系统却无法通过。是不是在CVS无法用gift card（无论是VISA,
: MASTERCARD, 还是AMERICAN EXPRESS)来买Vanilla Reload啊？
|
s*****6
发帖数: 74 | 22 我们这小地方，上周看了也没有，只有walgreens有，但这周CVS上了货，也许大地方很
快就被卖光了
【在 w*******1 的大作中提到】
: 哪个地方的CVS有卖啊？去了BOSTON城里4家CVS，都没Vanilla Reload Network。
: 最接近的 one valilla visa gift card...
|
c***u
发帖数: 4107 | 23 这个reload卡, 加到bluebird里面, 要fee吗? |
s*****6
发帖数: 74 | 24 就只有3.95的reload fee，其他没有了
【在 c***u 的大作中提到】
: 这个reload卡, 加到bluebird里面, 要fee吗?
|
c***u
发帖数: 4107 | 25 请问, 这个3.95的reload fee, 是在cvs买卡的时候, 交给cvs,
还是买500的卡, 就给cvs交500, 但是load到bluebird的时候, 再交3.95?
【在 s*****6 的大作中提到】
: 就只有3.95的reload fee，其他没有了
|
e*i
发帖数: 10288 | 26 buy 500, pay 503.95
【在 c***u 的大作中提到】
: 请问, 这个3.95的reload fee, 是在cvs买卡的时候, 交给cvs,
: 还是买500的卡, 就给cvs交500, 但是load到bluebird的时候, 再交3.95?
|
s**n
发帖数: 425 | 27 Well, $6500 used to be the deal killer. But now with UNLIMITED 5% from CVS.
This becomes the new god card. You can penetrate $6500 easily with Kiva
loans at the beginning of year. Then it's 5% from CVS for the rest of the
year.
For the first $6500 spent on Kiva loan, you get 0.5% instead of 1% or 2% you
could earn elsewhere. So you lose $32.5 or $97.5 cashback. If you see $97.5
as annual fee, then this becomes whether you are willing to pay $97.5
annual fee to get unlimited 5% from grocery, gas and most importantly CVS.
My answer is hell yes.
One note is that Amex is pretty good at account review/closure. If you have
a high credit limit, spending 3-4k monthly from CVS won't raise a flag.
$
【在 s***d 的大作中提到】
: Yes, 5% at grocery, drug store or gas station after $6500 spending. Before $
: 6500 it's 1%.
|
z*****8
发帖数: 3043 | 28
同发现这个valilla 的visa card，而且激活费好像是4.95
【在 w*******1 的大作中提到】
: 哪个地方的CVS有卖啊？去了BOSTON城里4家CVS，都没Vanilla Reload Network。
: 最接近的 one valilla visa gift card...
|
s*****6
发帖数: 74 | 29 那一般保持每月花的钱占credit limit比例是多少不易被amex注意呢
.
you
.5
have
【在 s**n 的大作中提到】
: Well, $6500 used to be the deal killer. But now with UNLIMITED 5% from CVS.
: This becomes the new god card. You can penetrate $6500 easily with Kiva
: loans at the beginning of year. Then it's 5% from CVS for the rest of the
: year.
: For the first $6500 spent on Kiva loan, you get 0.5% instead of 1% or 2% you
: could earn elsewhere. So you lose $32.5 or $97.5 cashback. If you see $97.5
: as annual fee, then this becomes whether you are willing to pay $97.5
: annual fee to get unlimited 5% from grocery, gas and most importantly CVS.
: My answer is hell yes.
: One note is that Amex is pretty good at account review/closure. If you have
|
s*****6
发帖数: 74 | 30 不是这个，是vanilla reload network.
【在 z*****8 的大作中提到】
:
: 同发现这个valilla 的visa card，而且激活费好像是4.95
|
|
|
z*****8
发帖数: 3043 | 31
http://www.mitbbs.com/article_t/Money/31894095.html
这里有人说可以也
【在 s*****6 的大作中提到】
: 不是这个，是vanilla reload network.
|
s*******d
发帖数: 660 | 32 话说我一直想不通blue bird到底有啥用，能当prepaid的卡刷么还是什么，它能做的没
它似乎更方便吧。把钱转一圈进去再花不是舍近求远？ |
l*i
发帖数: 5732 | 33 CVS允许用CC买VR是不是很亏啊， CC fee基本本也要1%吧， 他从VR那里能拿几个钱 ？
今天去walgreen就不能用CC买， 而且checkout电脑上直接显示只能用cash. 谁有病回
去用cash买这个卡？ |
b*t
发帖数: 489 | |
s**n
发帖数: 425 | 35 25% or less
Even better if your monthly spending has been relatively stable. Say, if you
've been spending 1k a month on certain card. I'd gradually go up to 3-4k in
5-6 months. It will also help if you call Amex first before a large cvs
purchase.
Even if you go through Amex financial review, you will be fine if your w2 is
consistent with income and not having small biz card without small biz tax
return
【在 s*****6 的大作中提到】
: 那一般保持每月花的钱占credit limit比例是多少不易被amex注意呢
:
: .
: you
: .5
: have
|
l*****n
发帖数: 5018 | 36 啥也不说了，眼泪哗哗滴，cvs系统cc过不去，小二倒是很nice |
x*****i
发帖数: 5035 | 37 我这里也要CASH才给买，唉~
【在 l*****n 的大作中提到】
: 啥也不说了，眼泪哗哗滴，cvs系统cc过不去，小二倒是很nice
|
l*******n
发帖数: 2718 | 38 I also don't understand who will buy those cards with cash. Drug dealers?
【在 l*i 的大作中提到】
: CVS允许用CC买VR是不是很亏啊， CC fee基本本也要1%吧， 他从VR那里能拿几个钱 ？
: 今天去walgreen就不能用CC买， 而且checkout电脑上直接显示只能用cash. 谁有病回
: 去用cash买这个卡？
|
z****l
发帖数: 5282 | 39 system can go through.
please keep the transaction amount no more than $1000
otherwise your transaction could be declined by credit card company.
This is a hard lesson to me.
I got a fraud alert from FIA. I had to call back to confirm transactions.
wasted one trip of mine.
【在 l*****n 的大作中提到】
: 啥也不说了，眼泪哗哗滴，cvs系统cc过不去，小二倒是很nice
|
s**c
发帖数: 34339 | 40 哪家信用卡公司不让啊？
我用hh，ink一次买好几千都没事
【在 z****l 的大作中提到】
: system can go through.
: please keep the transaction amount no more than $1000
: otherwise your transaction could be declined by credit card company.
: This is a hard lesson to me.
: I got a fraud alert from FIA. I had to call back to confirm transactions.
: wasted one trip of mine.
|
|
|
z****l
发帖数: 5282 | 41 cashier claimed need to pay cash.
I asked her to try FIA AMEX
It didn't go through, due to fraud alert by FIA (part of BOA)
Cashier told me to use cash instead.
I asker her to cancel the purchase and walked away.
【在 s**c 的大作中提到】
: 哪家信用卡公司不让啊？
: 我用hh，ink一次买好几千都没事
|
s**c
发帖数: 34339 | 42 恩，那可能是fia管得严
我上周五还用了10张visa gc买了2k的呢，小儿啥都不管
【在 z****l 的大作中提到】
: cashier claimed need to pay cash.
: I asked her to try FIA AMEX
: It didn't go through, due to fraud alert by FIA (part of BOA)
: Cashier told me to use cash instead.
: I asker her to cancel the purchase and walked away.
|
e*i
发帖数: 10288 | 43 haha... you used two addresses for staples deal?
【在 s**c 的大作中提到】
: 恩，那可能是fia管得严
: 我上周五还用了10张visa gc买了2k的呢，小儿啥都不管
|
s**c
发帖数: 34339 | 44 3
another 1k had been already cashed out.
【在 e*i 的大作中提到】
: haha... you used two addresses for staples deal?
|
e**z
发帖数: 127 | 45 how to cash out?
【在 s**c 的大作中提到】
: 3
: another 1k had been already cashed out.
|
y****i
发帖数: 17878 | 46 read the title of this thread
【在 e**z 的大作中提到】
: how to cash out?
|
y****i
发帖数: 17878 | 47 haha, just about to write my exactly same experience with FIA
all other cards have been working smoothly - AmEx HH, SPG, Chase Ink/
Sapphire/Freedom, Citi HH, Orchard, etc.
received a phone call from FIA right after attempting to buy just one $500
card at CVS
【在 z****l 的大作中提到】
: system can go through.
: please keep the transaction amount no more than $1000
: otherwise your transaction could be declined by credit card company.
: This is a hard lesson to me.
: I got a fraud alert from FIA. I had to call back to confirm transactions.
: wasted one trip of mine.
|
z****l
发帖数: 5282 | 48 老余，您一般一张信用卡买几张重载卡？
【在 y****i 的大作中提到】
: haha, just about to write my exactly same experience with FIA
: all other cards have been working smoothly - AmEx HH, SPG, Chase Ink/
: Sapphire/Freedom, Citi HH, Orchard, etc.
: received a phone call from FIA right after attempting to buy just one $500
: card at CVS
|
y****i
发帖数: 17878 | 49 I'm still doing Paypal My Cash card since we don't have VR cards yet in my
neck of the woods
I usually do two transactions of $500 each on two different cards during my
visit to a CVS store
but for AmEx HH or SPG, I just do $1,000 with one shot.
【在 z****l 的大作中提到】
: 老余，您一般一张信用卡买几张重载卡？
|
z****l
发帖数: 5282 | 50 Thanks for your information.
yeah, both VR and PMC are difficult to find in my area.
I dropped in 7 stores,
finally found some (both kinds) in a store
not close to apartments or Chinese rich communities.
my
【在 y****i 的大作中提到】
: I'm still doing Paypal My Cash card since we don't have VR cards yet in my
: neck of the woods
: I usually do two transactions of $500 each on two different cards during my
: visit to a CVS store
: but for AmEx HH or SPG, I just do $1,000 with one shot.
|
|
|
y****i
发帖数: 17878 | 51 I wonder why? //hoho
we have plenty of PP cards in every CVS store. guess it is a less well known
secret
look forward to the day finally seeing VR at CVS
bought dozens of VR cards at OD on one weekend before they all got pulled
few days later
【在 z****l 的大作中提到】
: Thanks for your information.
: yeah, both VR and PMC are difficult to find in my area.
: I dropped in 7 stores,
: finally found some (both kinds) in a store
: not close to apartments or Chinese rich communities.
:
: my
|
z****l
发帖数: 5282 | 52 唉，俺的好卡太少，只有神卡和果园勉强充数。
二季度自由卡给力，可惜要曲线救国。
known
【在 y****i 的大作中提到】
: I wonder why? //hoho
: we have plenty of PP cards in every CVS store. guess it is a less well known
: secret
: look forward to the day finally seeing VR at CVS
: bought dozens of VR cards at OD on one weekend before they all got pulled
: few days later
|
l*******e
发帖数: 8896 | 53 同感. 不过我有几张卡的开户要求没达到, 现在就靠这个来完成了.
【在 z****l 的大作中提到】
: 唉，俺的好卡太少，只有神卡和果园勉强充数。
: 二季度自由卡给力，可惜要曲线救国。
:
: known
|
e**z
发帖数: 127 | 54 买VR 到bb转bank是吧
【在 y****i 的大作中提到】
: read the title of this thread
|
z****l
发帖数: 5282 | 55 or,
VR -> BB -> bill
【在 e**z 的大作中提到】
: 买VR 到bb转bank是吧
|
y****i
发帖数: 17878 | 56 yes, diversify the types of your transactions with your BB account
【在 z****l 的大作中提到】
: or,
: VR -> BB -> bill
|
m****u
发帖数: 434 | 57 没有这个规定，你说的那个是个人case，是平时不怎么刷卡的。
ebiz版老手，平时刷卡不眨眼的，一千两千三千的刷每天可以刷3次左右才被信用卡公
司电话骚扰。
【在 z****l 的大作中提到】
: system can go through.
: please keep the transaction amount no more than $1000
: otherwise your transaction could be declined by credit card company.
: This is a hard lesson to me.
: I got a fraud alert from FIA. I had to call back to confirm transactions.
: wasted one trip of mine.
|
s********i
发帖数: 1629 | 58 包子求详细功略！
【在 e**z 的大作中提到】
: 买VR 到bb转bank是吧
|
T*******e
发帖数: 4928 | 59 walgreens has VR netspend cards. They don't hang together outside with
other regular gift cards. Just ask the cashier. I bought one today with my
FIA card. Cashier told me that only one VR card allowed per day.
http://millionmilesecrets.com/2012/10/31/vanilla-reload-cards/
my
【在 y****i 的大作中提到】
: I'm still doing Paypal My Cash card since we don't have VR cards yet in my
: neck of the woods
: I usually do two transactions of $500 each on two different cards during my
: visit to a CVS store
: but for AmEx HH or SPG, I just do $1,000 with one shot.
|
T*******e
发帖数: 4928 | 60 call FIA and tell them it's not fraud.
【在 z****l 的大作中提到】
: cashier claimed need to pay cash.
: I asked her to try FIA AMEX
: It didn't go through, due to fraud alert by FIA (part of BOA)
: Cashier told me to use cash instead.
: I asker her to cancel the purchase and walked away.
|
|
|
w********r
发帖数: 1971 | |
T*******e
发帖数: 4928 | 62 faint. Today, another cashier in the same walgreens store told me cash only
.
【在 T*******e 的大作中提到】
: call FIA and tell them it's not fraud.
|
x*******o
发帖数: 2581 | 63 FIA,是比较敏感，但是只要打电话就可以搞定。discover也很敏感呢。封了1年内3次，
每次回国刷1次后，马上被封，然后打电话，解封。 |
z****l
发帖数: 5282 | 64 you need to call Discover to put a travel alert on your acct
before you go abroad.
【在 x*******o 的大作中提到】
: FIA,是比较敏感，但是只要打电话就可以搞定。discover也很敏感呢。封了1年内3次，
: 每次回国刷1次后，马上被封，然后打电话，解封。
|
x*******o
发帖数: 2581 | 65 我每次回国前，都打电话告诉他们的，他们封我帐号后，我打电话回去，他们说他们的
记录中的确也写了我将在中国消费，但是为了安全起见还是封了我的帐号。我很无辜的
。幸好现在有google voice，打美国长途不要钱。能在那里和他们耗10-20分钟。
【在 z****l 的大作中提到】
: you need to call Discover to put a travel alert on your acct
: before you go abroad.
|
l***y
发帖数: 348 | 66 Your FIA card is checking (debit) card, not credit card right?
【在 T*******e 的大作中提到】
: faint. Today, another cashier in the same walgreens store told me cash only
: .
|
T*******e
发帖数: 4928 | 67 Of course, credit card, 2% rebate. Otherwise, I might be losing money.
【在 l***y 的大作中提到】
: Your FIA card is checking (debit) card, not credit card right?
|
T*******e
发帖数: 4928 | 68 https://www.fidelity.com/cash-management/american-express-cards
【在 l***y 的大作中提到】
: Your FIA card is checking (debit) card, not credit card right?
|
I*******t
发帖数: 1838 | |
