manufactured spending

Tag Archives for manufactured spending.

Out and Out’s Best Posts of 2015

Wow. Out and Out made huge strides in 2015. A lot happened – and even more will happen in 2016.

Blog traffic tripled this year. In fact December 2015 is the biggest month ever for the blog (and it’s not over yet!). I’m thinking of how to improve things around here even more, and celebrating every step of the way because I couldn’t grow without your support.

Celebrate!

Celebrating!

You guys are awesome. I love my readers!

I’ve ironed out many ideas on here and found solid resolutions thanks to tons of community-focused comments. And meeting new peeps at the regular Reach for the Miles meetup has been fantastic.

I hope to continue the momentum and keep improving.

But first, I want to take a moment to pause and look back at where we’ve been this year.

Best of 2015

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PayPal My Cash Cards With Credit Cards at CVS Still Working, but YMMV

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Out and Out reader Jack commented:

Had trouble today for the first time loading my PayPal my cash card with a credit card at CVS.

Once the lady scanned the PayPal My Cash card the computer prompted her as CASH ONLY. She refused my credit card.

Did they finally hardcode?

I wanted to follow up because I had a similar experience here in New York City.

I went to a CVS on Houston Street, handed over 2 PayPal My Cash cards, and requested $500 on each, for a total of $1,007.90 after activation fees.

The cards scanned without a problem, and the total popped up.

I swiped my new Citi Prestige card, hoping to help meet the $3,000 minimum spending requirement this way, and then pay with rent with RadPad and the PayPal Business Debit MasterCard.

Like Jack, I got a similar prompt on the register. I asked if she wouldn’t mind just trying to swipe the card. It wasn’t declined. It simply didn’t process.

She said it looked like cash only – no credit cards allowed.

So I set out to try a store in southern Illinois over the Thanksgiving break.

Success! But it’s very YMMV

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Get an Easy 1% Cash Back on Your Rent and Other Debit Card Purchases

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I have to thank Out and Out reader Greg for pointing this out.  He says:

I have a Paypal Business Debit MasterCard that earns me 1% cash back on “credit” purchases. I don’t fund it, I just use it to pay almost all of my bills and have it linked to my bank account.

I get my 1% cash back on everything, don’t have to worry about my Paypal balance (as long as my bank balance is good), it makes me feel like I’ve added a layer of protection to my bank account, and it buys me some float time from when I make a purchase until it clears my bank account.

I don’t do “debit” transactions with it BC I don’t get 1% cash back and and money is immediately withdrawn from my bank account… Unless of course my Paypal account still has a balance left from my monthly cash back reward, then that is deducted before anything hits my bank account.

After doing a little digging, Greg is absolutely right!

I wrote about how to pay rent with RadPad and the PayPal Business Debit MasterCard.

You can add in PayPal My Cash cards purchased from CVS to earn points and miles, too. As long as you load up your account and ONLY take the money out through a purchase made from the PayPal Business Debit MasterCard.

asd

RadPad and PayPal play well together

And yes, RadPad specifically codes as a purchase and earns 1% cash back.

In application

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List of AMEX Cards NOT Issued by American Express

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Spoiler alert. On this list, I find the FIA Fidelity AMEX to be the most valuable. I just love that card so much.

List of AMEX Cards NOT Issued by American Express

Thank you for being a friend – and for NOT being issued by American Express

And this post is gonna be focused on Serve.

Note: It is possible to send money between Serve and REDbird, or Serve and Bluebird.

So if you’re managing multiple cards, you can get a Serve card, load it up for $1,000 each month, and send it to Bluebird or REDbird to pay bills that normally don’t accept credit cards. Like student loans, utilities, mortgage payments, or anyone else.

List of AMEX Cards NOT Issued by American Express: 

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A warning about Flint for manufactured spending

Just a quick note.

I was poking around last night and came across a mention on Rapid Travel Chai’s Week in Points about a new way to earn some extra points via manufactured spending from a service called Flint (HT to Miles Remaining – I just discovered the blog and loved it! I instantly subscribed on my feedly).

I toyed around with the idea of signing up for the service for about 1.5 minutes before I decided to go for it.

I downloaded the app, got my US Bank Club Carlson Visa Signature card ready, snapped it in, and ran up a purchase for $750 (the max daily allowance).

This was after I entered in my bank info for direct deposit.

I saw the charge on the US Bank website. There it was, for $750, and it looked like it was gonna code as a purchase. Sweet. 18,000+ Club Carlson Gold Points for free? Yes, please.

The Flint charge at US Bank

The Flint charge at US Bank

So I was going to use the same plan as Miles Remaining to run $750 through 5 times in 30 days: on Days 1, 8, 15, 22, and 29.

And now, the warning

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Bye, REDbird; Hello again, Serve

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From the I-knew-if-was-too-good-to-be-true files…

Well, consider this a data point if anything.

Oh, kwitcher cryin'

Oh, kwitcher cryin’

Tonight, I decided I was done messing with the REDbird card in New York City. It’s just too hard. The closest Target to me is the one at Atlantic Terminal, and they no longer accept credit cards for reloads – only cash and debit cards – which makes this product useless to me.

I’ve heard the one in Harlem is still accepting credit cards, but from my vantage point in Bay Ridge, Brooklyn, it might as well be on the other side of the moon. I will go far for points and miles – but not that far.

At about 6 hours round-trip (yes, I am serious. New York City is huge and the MTA is a nightmare), I have to weigh my opportunity costs as well as my time. And while loading $5,000 per month is obviously more than $1,000 per month, at least I can run my Serve reloads from the app on my phone while I’m still lying in bed.

Time required: seconds. Opportunity cost: slight delay on coffee in the morning. 

My REDbird story

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Confirmed: You can load REDbird at Target stores in New York

Here at Out and Out, I had this idea to make February “Manufactured Spend Month.”

With the impending blizzard, and then frigid single digit temps on the horizon, I used this nearly 50-degree day to manufacture some spend ahead of schedule.

First, I went to CVS with my Chase British Airways Visa Signature and got $1,000 worth of PayPal My Cash cards. The transaction went through flawlessly. And later this evening, I will pay my first round of rent utilizing RadPad.

After CVS, I dared to face the Target at Atlantic Terminal in Brooklyn, New York.

My heart was pounding as I went in. It’s perhaps the busiest Target store in the entire United States and some say one of the busiest in the Northern Hemisphere (Target does not officially publish their busiest locations), so I wasn’t sure what their stance would be on ol’ REDbird. Would it be par for the course or the one store where credit cards were NOT accepted for reloads?

My experience

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Confirmed: CVS accepts credit cards for PayPal My Cash reloads in NYC

I couldn’t wait until February to kick off Manufactured Spend Month: I just got back from CVS, where I successfully purchased two $500 PayPal My Cash reloads with my Barclaycard Arrival Plus World Elite MasterCard.

New York can be kind of a barren wasteland for manufactured spending, but today it was a gold mine. It was like the Vanilla Reload days all over again.

I walked into a CVS in East Midtown in Manhattan. The gift cards were on an endcap, prominently displayed, near the registers. I immediately saw the bounty.

cvs paypal my cash credit cards

PayPal My Cash cards at CVS

I grabbed two of them and walked to the register – there was no line (the joy of shopping mid-day on a week day). I pulled out my license and credit card. The cashier looked at them and asked to see both. She didn’t say anything like, “Cash only,” or “We don’t accept credit cards,” which I was kinda bracing for. Whew.

She scanned the reload cards, then my license (because with activation fees, the transaction was over $1,000). I was a little worried that Barclays would flag the transaction like they did when I got my temporary REDbird card last month, but the little signature screen popped up, I signed, and all was good to go.

It was SO EASY and took all of a minute. I walked in, checked out, and was done. It was JUST LIKE Vanilla Reloads in every regard, including the loading up (which I will get to in a sec).

Then, in Brooklyn…

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How to pay bills with PayPal My Cash + Business Debit Card + RadPad + Evolve Money

UPDATE 1/26/15: A few readers have reported that their PayPal Business Debit Cards no longer work with Evolve Money. Indeed, when I deleted the card and went to re-add it, I got this error message:

Evolve Money error message

Evolve Money error message

Apparently other users that added the card previous have been grandfathered in, but new users are not able to add the PayPal card as a new payment method. Major bummer. I have updated posted to reflect this. RadPad is still working great though!

UPDATE 2: Just got this email from Evolve Money:

Screenshot 2015-01-26 10.30.17

#deadinthewater

I’m going to dub February “Manufactured Spend Month” for Out and Out.

I still have the intention to make that data point about the REDbird (see link above), and I’ve been eyeballs deep in FT/Milepoint convos about it the past few days. All signs point to: it should work. I’ve been nervous about killing my Serve card only to find that it can’t be loaded in NYC – which is already kind of a barren wasteland for MS to begin with. If the Target in Brooklyn doesn’t let me load REDbird, the next closest Target is in Harlem, which is a bit far for me. But, positive vibes.

With the Serve card, I can reload $1,000 per month from my computer or phone without leaving home. With REDbird, I’d have to make at least two in-store visits per month. But I can reload 5 times more per month. And I won’t have to worry about cash advance fees, which means I am free to use any card I want (although I’ve heard US Bank is beasting about the reloads and flagging them all as fraud.)

With all of this in mind, and with all the other work I have going on, I have decided to make my data point in February and get one more round of loading out of the Serve card before I kill it. Hence February being declared MS Month.

Anyway, aside from REDbird, I started adding up the ingredients for an addendum to the madness. It could be another way to run an additional $4,000 of MS through credit cards and a great way to pay rent, student loans, and everyday bills, or to load Serve or REDbird.

Stop! HT time.

Before I get any further, I have to stop and do some HTs:

Finally, I thought I had coined the term “Perpetual Points Machine” (PPM). No. That would be Frequent Miler, who began using the term as early as 2011. It’s one of those terms that you read once or twice and it just gets stuck in your head. FM has lots and lot of great stuff about manufacturing spend, and I’m not surprised he is original user of this phrase.

PayPal My Cash Cards

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