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发帖数: 5282 | 1 ☆─────────────────────────────────────☆
sxjk126 (sxjk126) 于 (Thu Nov 15 15:51:33 2012, 美东) 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？
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yudeli (余德利) 于 (Thu Nov 15 15:54:12 2012, 美东) 提到:
you should have chosen "credit card"
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sxjk126 (sxjk126) 于 (Thu Nov 15 16:01:45 2012, 美东) 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？
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yudeli (余德利) 于 (Thu Nov 15 16:05:49 2012, 美东) 提到:
yes
"gift card" option means CVS gift card which of course won't go through
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sxjk126 (sxjk126) 于 (Thu Nov 15 16:18:37 2012, 美东) 提到:
多谢，我下次再去试试
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qoqoqoqo (还没想好) 于 (Thu Nov 15 16:21:34 2012, 美东) 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？
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sxjk126 (sxjk126) 于 (Thu Nov 15 17:07:27 2012, 美东) 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%
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flyfire (flyfire) 于 (Thu Nov 15 17:09:16 2012, 美东) 提到:
那3.95 activate fee怎么付？刷另外一张卡？
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yudeli (余德利) 于 (Thu Nov 15 17:11:23 2012, 美东) 提到:
so you get paid $20 each time you buy a $500 GC //hoho
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yudeli (余德利) 于 (Thu Nov 15 17:15:09 2012, 美东) 提到:
just load $496 which makes everyone's life easier
hoho
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sxjk126 (sxjk126) 于 (Thu Nov 15 18:27:52 2012, 美东) 提到:
今天收银员还专门拿纸笔给我算了一下496.05
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yudeli (余德利) 于 (Thu Nov 15 18:35:42 2012, 美东) 提到:
so nice
hehe
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zhengqiji (蒸汽机到底是不是瓦特发明的呢) 于 (Thu Nov 15 21:05:36 2012, 美东) 提到:
为什么20呢 老余是算上atm withdraw的费用了吗
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emi (emi) 于 (Thu Nov 15 21:09:11 2012, 美东) 提到:
vanilla reload is cash already. Why do you want to get real cash?
virtual cash is better for me.
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skrn (skrn) 于 (Thu Nov 15 21:12:02 2012, 美东) 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
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zhengqiji (蒸汽机到底是不是瓦特发明的呢) 于 (Thu Nov 15 21:16:10 2012, 美东) 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。
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yudeli (余德利) 于 (Thu Nov 15 21:16:27 2012, 美东) 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
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zhengqiji (蒸汽机到底是不是瓦特发明的呢) 于 (Thu Nov 15 21:21:29 2012, 美东) 提到:
哦 净收入啊 我以为是支出呢
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yudeli (余德利) 于 (Thu Nov 15 21:30:12 2012, 美东) 提到:
5% after $6,500 spending, right?
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shipd (Harley Davidson) 于 (Fri Nov 16 12:48:37 2012, 美东) 提到:
Yes, 5% at grocery, drug store or gas station after $6500 spending. Before $
6500 it's 1%.
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weizwei11 (weizwei11) 于 (Fri Nov 16 14:00:33 2012, 美东) 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...
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sxjk126 (sxjk126) 于 (Fri Nov 16 14:24:06 2012, 美东) 提到:
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
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caoyu (草原鱼) 于 (Fri Nov 16 14:35:10 2012, 美东) 提到:
这个reload卡, 加到bluebird里面, 要fee吗?
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sxjk126 (sxjk126) 于 (Fri Nov 16 14:38:46 2012, 美东) 提到:
就只有3.95的reload fee，其他没有了
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caoyu (草原鱼) 于 (Fri Nov 16 14:43:30 2012, 美东) 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?
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emi (emi) 于 (Fri Nov 16 14:55:18 2012, 美东) 提到:
buy 500, pay 503.95
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skrn (skrn) 于 (Fri Nov 16 16:11:45 2012, 美东) 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
a high credit limit, spending 3-4k monthly from CVS won't raise a flag.
$
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zfei518 (fei) 于 (Fri Nov 16 16:34:37 2012, 美东) 提到:
同发现这个valilla 的visa card，而且激活费好像是4.95
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sxjk126 (sxjk126) 于 (Fri Nov 16 17:25:01 2012, 美东) 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
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sxjk126 (sxjk126) 于 (Fri Nov 16 17:26:24 2012, 美东) 提到:
不是这个，是vanilla reload network.
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zfei518 (fei) 于 (Fri Nov 16 18:09:15 2012, 美东) 提到:
http://www.mitbbs.com/article_t/Money/31894095.html
这里有人说可以也
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santawind (圣文德) 于 (Fri Nov 16 19:00:10 2012, 美东) 提到:
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？
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lli (Look Like iDol) 于 (Fri Nov 16 20:44:47 2012, 美东) 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？
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bbt (bbt) 于 (Fri Nov 16 21:46:47 2012, 美东) 提到:
今天在cvs买了2张。剩下的估计还有10张。
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skrn (skrn) 于 (Sat Nov 17 00:01:26 2012, 美东) 提到:
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
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leesuin (lee) 于 (Sun Nov 18 06:28:16 2012, 美东) 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
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xiaobei (xiaobei) 于 (Sun Nov 18 10:18:49 2012, 美东) 提到:
我这里也要CASH才给买，唉~
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langzixin (浪子无恨) 于 (Sun Nov 18 11:04:58 2012, 美东) 提到:
I also don't understand who will buy those cards with cash. Drug dealers?
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zengdl (方鸿渐博士) 于 (Sun Nov 18 17:32:14 2012, 美东) 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.
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sioc (煎饼爱果子) 于 (Sun Nov 18 17:44:23 2012, 美东) 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
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zengdl (方鸿渐博士) 于 (Sun Nov 18 17:47:50 2012, 美东) 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.
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sioc (煎饼爱果子) 于 (Sun Nov 18 17:52:00 2012, 美东) 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
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emi (emi) 于 (Sun Nov 18 17:52:36 2012, 美东) 提到:
haha... you used two addresses for staples deal?
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sioc (煎饼爱果子) 于 (Sun Nov 18 17:57:03 2012, 美东) 提到:
3
another 1k had been already cashed out.
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ebaz (亏一点) 于 (Sun Nov 18 19:23:31 2012, 美东) 提到:
how to cash out?
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yudeli (余德利) 于 (Sun Nov 18 20:50:30 2012, 美东) 提到:
read the title of this thread
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yudeli (余德利) 于 (Sun Nov 18 20:56:39 2012, 美东) 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
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zengdl (方鸿渐博士) 于 (Sun Nov 18 21:53:33 2012, 美东) 提到:
老余，您一般一张信用卡买几张重载卡？
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yudeli (余德利) 于 (Sun Nov 18 22:02:38 2012, 美东) 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.
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zengdl (方鸿渐博士) 于 (Sun Nov 18 22:08:04 2012, 美东) 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
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yudeli (余德利) 于 (Sun Nov 18 22:14:51 2012, 美东) 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
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zengdl (方鸿渐博士) 于 (Sun Nov 18 22:25:14 2012, 美东) 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
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luckyjane (Jane) 于 (Sun Nov 18 22:28:01 2012, 美东) 提到:
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.
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ebaz (亏一点) 于 (Sun Nov 18 22:28:10 2012, 美东) 提到:
买VR 到bb转bank是吧
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zengdl (方鸿渐博士) 于 (Sun Nov 18 22:31:49 2012, 美东) 提到:
or,
VR -> BB -> bill
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yudeli (余德利) 于 (Sun Nov 18 22:35:43 2012, 美东) 提到:
yes, diversify the types of your transactions with your BB account
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maogou (毛狗) 于 (Mon Nov 19 13:42:32 2012, 美东) 提到:
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。
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superrmini (mini) 于 (Mon Nov 19 14:47:55 2012, 美东) 提到:
包子求详细功略！
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TimeValue (early retirement) 于 (Wed Nov 21 00:12:30 2012, 美东) 提到:
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
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TimeValue (early retirement) 于 (Wed Nov 21 00:13:27 2012, 美东) 提到:
call FIA and tell them it's not fraud.
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wifeholder (cdfr) 于 (Wed Nov 21 08:10:24 2012, 美东) 提到:
re
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TimeValue (early retirement) 于 (Wed Nov 21 21:07:07 2012, 美东) 提到:
faint. Today, another cashier in the same walgreens store told me cash only
.
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xuxiaoyao (小妖) 于 (Wed Nov 21 21:22:38 2012, 美东) 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。
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zengdl (方鸿渐博士) 于 (Wed Nov 21 21:24:33 2012, 美东) 提到:
you need to call Discover to put a travel alert on your acct
before you go abroad.
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xuxiaoyao (小妖) 于 (Thu Nov 22 10:04:06 2012, 美东) 提到:
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。
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lobby (Judy) 于 (Thu Nov 22 17:40:30 2012, 美东) 提到:
Your FIA card is checking (debit) card, not credit card right?
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TimeValue (early retirement) 于 (Thu Nov 22 21:29:14 2012, 美东) 提到:
Of course, credit card, 2% rebate. Otherwise, I might be losing money.
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TimeValue (early retirement) 于 (Thu Nov 22 21:33:06 2012, 美东) 提到:
https://www.fidelity.com/cash-management/american-express-cards
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IronGiant (没) 于 (Thu Nov 22 22:35:06 2012, 美东) 提到:
google下了，满大街都是:
http://millionmilesecrets.com/2012/10/31/vanilla-reload-cards/ |
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