Reminder to those who have honey accounts and are doing the Chase Pay promo at walmartdotcom. I clicked the honey pop up that says you’ll earn 500 = $5 for this purchase while I was at checkout buying $200 vanilla. Since no other portals gave CB for buying physical/eGC at walmartdotcom, I have nothing to lose since I got savings the last time using CP. The last time I got the pop up bonus was buying VGC from giftcardsdotcom, I earned 5000 = $50.
HU on discounted fees on TCB wyb Visa GC valid until 11/27. Use promo code BFSALE2017 to take off $3 fee from each GC you buy. IME, my past orders tracked and I got the CBs even when I used the discount codes.
Use BFSALE2017 promo code to take off $3 from Visa GC purchase at TCB. Regular fee is $5.95 less $3 makes it $2.95. Thanks to Chuck of doc’s site for this HU. This code is valid 11/24 thru 11/27 
The last time I used a promo code to decrease the fees, my order still got tracked and paid.
Today is the last day for this GC promo, don’t forget the savings!
take note that there are Taco Bell stores that give add’l 10% for those with AARP cards so try asking and you may be pleasantly surprised. Many have gotten their AARP membership free from Walgreens deals. So stack the deals with these discounted GCs : )
@fivetalents Yes you will see this in $3 in a separate line in your dashboard above the transaction that qualified.
Happy Thanksgiving ya’ll!
@rowan DH found it in his spam folder so check to see if it went there.
@psxzombie I have always gotten the bonus $3 each time they offer this by making sure I activate the offer and I am logged in to my account. When I was just starting, I forgot to activate the offer thinking it will be automatically added but I have learned from it.
@crabbing activate offer first before you choose your merchant.
PSA to MSers who order from GCM. TODAY is the last day to get $3 CB bonus from TopCashBack for over $10 purchase in one transaction. Make sure to activate offer first before you go to GCM website so it’ll get tracked. It’ll post as add’l CB to your account when your GCM purchase tracks.
Taco Bell has the variable GC that starts with $15 load so I paid $25 for two of them. The discount was instantly applied at the register. Our DGs accept CC for GCs.
Still working.
I logged in to my account first and then clicked on the link provided and clicked Get Yours. That was easy. Thanks Tuskers!
Earn $3.00 extra cash back: November 20th - 22nd
As an early Black Friday treat, we are offering a cash back bonus! Get $3.00 extra cash back* when you spend over $10.00, on one transaction.
Simply activate the promotion via the link below. Once you’ve made your transaction the bonus will appear in your account. When it’s payable, your bonus will be too.
Ends November 22nd at 23:59 PT.
*Make sure to activate the offer BEFORE you proceed with transaction to ensure it’s properly tracked.
I made 2 billpays on the 16th and I checked my accounts today to find both of them posted dated 11/21! This is a game changer for me since I input all personal info and avoid cashier error on their end. Hopefully, they’ll allow payment with debit online as well…I know that’s wishful thinking…LOL
BTW, since I’ve always had good experience with WM, I paid $1999 and $1998.99. I was willing to gamble based on my relationship with the cash department when debit payments went wrong and they gave me cash refund.
@ritholtz
If you try it and get another bonus on the regular savings, please let us know.
@ritholtz I don’t think so. These offers from Discover Bank are non churnable, IINM. Hopefully, data points come up saying others can now apply for regular, AAA and AAII after a certain time and get new bonuses.
PSA: I got email from WAG that they now have free shipping when you choose ship to store. I’m glad they did this because there are items I can find only online but their shipping is outrageous that’s why I buy it from other merchants. With this, I’m likely to buy LaRoche Posay skincare items from them when they’re having 25 to 30 percent off sale online.
You have to input the name of the payee and if it’s on their list, there’s a dropdown menu that’ll show and click it. If payee is NOT on their list, I don’t know if there’s a generic way to do it but I’d be leery sending a payment if it’s not on the list of payees. There is a screen where you’ll choose CheckFreePay for $1 anytime fees, $1.50 next day and another option I can’t remember right now. I chose $1 and then a screen comes up to enter the amount I’m paying. In your case, input $300 and it will ask you to confirm in the next screen including the fee, let’s say you choose $1 total will be $301. The last screen that’ll come up before you pay says SCAN QR CODE. You can log off and open app when you’re at WM. Just tell cashier you’re doing CheckFreePay to pay a bill and there is a QR code you’ll see on customer’s screen they will ask you to scan with your app. If successful, it’ll say YOU’RE CONNECTED. It will then show the amount you’re paying $300 plus $1 fee which you will confirm and press YES. When it’s time to pay, you can pay $1 in cash and swipe your VGC for the balance of $300. You will not get a paper receipt, it is saved in the app. Wait 3 to 4 days and check if payment posted to your account. Depending on the payee, it may take a while for payment to post especially these holiday season so give it some time and if it has been two weeks and you don’t see it, check with WM and show the receipt on your app.
It is best to try this with small amounts first until your payment goes through successfully within a reasonable amount of time.
FYI, you can now pay a bill using the WM app and enter all your info, payment amount and required IDs. Click the Express Money and follow prompts. You have up to 24 hrs to pay at WM (you will be asked to choose a store but IME, I was able to pay at any WM) using the Money Express lane where there is usually no line. You can pay with meta VGCs up to 4 swipes, no paper receipt prints, it’ll be saved in your app account. Go try it and see!
@ritholtz I have yet to hear of funding an account by CC inside branch that was NOT charged as cash advance. It is coded as sale/purchase ONLY when done online.
For now, only the regular savings bonus has been extended $150/$15K, $200/$25K although the threshold to get $200 has been increased to $25K. It is possible AAA and AAII will have bonuses sometime in the future, just stay tuned.
@ritholtz afaik, there’s no limit per HH and even though the terms may say you cannot get a bonus if you have/had a regular savings, many of us got 3 bonuses while opening the 3 accounts. sad to say, this isn’t churnable so that if higher bonuses come up in the future, we can’t likely get bonus for signing up.
Breaking News ~ Meijer is now rejecting giftcards as payments for MO seen at reddit posted by alias_max. They now run as credit.
For those who MS at Meijer, make sure to find new ways to MS and don’t get caught with stacks of plastic money with no way to drain them.
Note: ONLY the 171574T code expires tonight, the AXP sync offer expires 1/3/18. IINM, the PPDEAL1 is posted on TCB so those who will use this code will get their portal CB stacked with AXP Puritan offer. The $10 off $40 code that expires tonight has a lower free shipping threshold but CANNOT be used via portal click thru.
For those who buy vitamins and supplements online, you can stack the AXP sync offer ~ $10 credits wyb $30 or more with this discount code you enter at checkout on Puritan’s website: 171574T. I have the sync offer on several cards so I set up order(s) with final total of at least $30 and I got the AXP email that triggered the $10. This code CANNOT be stacked when using a portal but I chose it over portal offers since $10 CB is much higher than what portals offer.
Thank you for another website to check class action settlements we qualify. I’ve always used Danny the Deal guru’s website and the ones I submitted have been paid.
I saw my email from IDD that I’m getting a check from Revlon DNA Advantage settlement. I’m excited to know how much it is : )
We decided not to use CCs to put funds on the BBVA after reading a lot of problems posted by others. Since there’s no maintenance fee, I’d be glad to just get the bonus in January. Fingers crossed.
@alanmax you’re very welcome!
did you do the BBVA $200 bonus nationwide? last day to register is 11/20 so check details at doc’s site. CAVEAT on using CCs to fund the account unless you have a lot of time to spend dealing with complications.
@alanmax I think so. I’ve seen the regular savings promo extended although the threshold to earn $200 was increased to $25K.
MSers will be busy starting tomorrow doing the rounds of stores. These should be top 2 on your list that’ll give the most profit/rewards.
*OD/OM - instant $15 discount on Meta VGCs. Don’t 4get to try the “everywhere” cards with $4.95 fees, they qualified for the promo in the past.
*WAG - free $5WAGgc wyb any 2 vanilla GC. Keep in mind these CANNOT be drained at the PO so if that’s the only place you can drain it, stay away from this promo. Best card to use is AXP OBC for 1% RD if you haven’t reached $6.5K threshold but once you do, you’ll start earning 5% on your purchases at gas stations, supermarkets, drugstores up to $50K.
We got our bonuses from AAII posted today but with date of 11/20. Those who opened accounts on or before 10/31, they should post by today since the last day to put funds and qualify for bonus was 11/15. For those who got approved for three, you may see three $200’s.
$1200 earned on $20K juggled in less than 60 days.
Thank you Discover!
I found another use for the WM app to pay a bill. I input the payee to see if it’s on their list and then I input the amount I want to pay. I am given up to 24 hrs to pay at the WM branch I chose and when I go to the store, I go to Express Money lane and just scan the QR code after I tell cashier I’m paying a bill via CFP. After scanning the QR code, I see the message that I’m connected and the next screen shows me the amount I’m paying plus the fee. I paid $1999 plus $1 fee for 3 day delivery. I just saw the payment posted to my payee’s account! For MSers, you can swipe up to 4 VGCs as usual but as always, YMMV depending on cashier you’re dealing with. After doing this payment, you can buy up to $2K MO and swipe another 4 VGCs : )
@david-scubadiver So far, the credit was not clawed back from my account and CFP has continued to take my payments. I did my best to contact them but got stucked when they asked for a reference number which I don’t have any since it just showed up on my account when I have not paid that much at anytime. Two more weeks of using this CC and it’ll go to the sock drawer so I will enroll it for alerts so I will know if there’s any activity.
@pricelessprice IINM, there are reports of those who got shutdown in 2014 who got back in so if you can find a working link to it, might as well try your luck and you may get in again. HOWEVER, there were also reports they got approved for the card but when they received it and tried to activate, they found out the account was closed.
@pricelessprice I’m not sure if it’s still available for registration but for those who have it for years, it’s still working.
yes, the reward dollars have been capped as of last year to $50K max spend so you earn 5% on gas, groceries, drugstores up to $50K after you meet the threshold of $6.5K. Beyond that amount, you earn only 1% on those categories.
I know many who used Tio as MS route but I knew this was bound to happen when PayPal got into the picture.
Check thread on Deals forum for week of Nov 19 thru Nov 25 at Walgreens. There is a deal on variable vanilla GCs wyb 2 that’ll make the fees lower after the $5 WAG gc. After the first transaction you earn the $5 WAG gc, go buy another set of 2 variable vanillas loaded with $500 each and grab a WAG gc (snowflakes design) from the rack. Make sure to swipe your Balance Rewards card first before the cards are scanned. Tell cashier you want to load $5 on the WAG gc and $500 each on the vanilla GCs. Your total should be $1011.90 and *if you have the $5 GC from the first transaction, swipe that first and you’ll see your balance go down to $1006.90, pay balance with your CC. Rinse and repeat.
*Do NOT ask cashier if you can pay with the $5 GC, most of them don’t know so just swipe it and see if it takes $5 off your total.
For those with the AXP old blue cash, you’ll earn 5% on this purchase if you have already met the $6.5K threshold. Since drugstores have raised the fees on variable vanilla cards to $5.95, this promo will cost only $6.90 per $1000. These Bancorp Vanillas will NOT drain at the USPS so make sure you have plans on how to drain these vanillas.
This is on page 12 of next week’s ad, MSers can plan on meeting their MSR on the Old blue cash AXP card to earn 5% thereafter on gas, groceries and drugstores purchases. Once you reach the $6500 threshold, you’ll start earning 5% on these vanilla purchases.
You must swipe your Balance rewards card and bring a new WAG gc to the register (choose the snowflakes design with $5 min load) together with the variable Vanilla GC you can load up to $500 (purchase fee is $5.95). Tell cashier you want to load $5 on the WAG gc and as long as you swiped your BRC, it’ll be taken off at the end and only the two vanilla GCs will be charged. Your total should be $1011.90 so if it’s greater than this amount, something went wrong so check if $5 was loaded to WAG gc and BRC was swiped and accepted.
I found out we can use the BBY points/certificates to buy 3rd party GCs. I used a certificate for a small appliance on sale and there was $14.xx remaining so I got a $15 Papa John’s GC to use up all the points and paid some cents after the certificate.
For those who have the $20/$50 google express AXP sync offer, you can stack these codes for add’l discounts:
SHOPMORE20 x 11/15
FIRSTORDER20 x 11/21
ORDERNOW20 x 11/21
If by chance, you know you saved the offer before your purchase and cannot find the offer in your CC account, relax… and in a few days you’ll likely see your $20 credits. Enjoy!
For those with Synchrony Walmart Mastercard CC in their sock drawers, it’s time to add them to the WM app and do WMPay. You get 3% cashback for all purchases using the app when you pay. You also get 3% CB if you use it to pay at walmartdotcom. On Thanksgiving Day and Black Friday, you get 6% cashback, the 3% CB is a promotional offer from Nov 1 to Dec 31, 2017. Charges on this card can be paid at ANY WM register with VGCs so you can imagine all the possible ways to “abuse” this card; I don’t think there’s a lot of people who has this CC that’s why they’re so linient for overpayments. They sent me a check those times I paid more than I owed them. This card used to be issued by Discover before Synchrony took over and it became “better”, IMO.
MS opportunities at Target to get 5% up to $1500 on your DiscoverIT cards this quarter:
To avoid going around the store looking for $400 Target Visa with $6 fee, ask an associate to look up this DCPI: 290 00 0028. If they have it, you found a goldmine UPC of this product is 799366115267. These are NO longer sold online but there are stores that still sell them if you ask.
Ya’ll can call ahead to ask so you don’t go around looking for this “unicorn”.
BTW, these drain at the grocery store easily as long as they accept VGCs for MO.
I am one of those whom SB owes for offers like $15SB for flowers around Easter. I have opened support tickets and they never answered me. For this reason, I just accumulate points by entering codes every now and then or using it as search engine to get SBs. It takes a while to cash out via paypal but I know I can’t win them all 
@richard you can also try it at the drive thru window so you don’t have to go inside the bank. If it’ll require a lot of time, teller may request you to go inside but if the BM says it’s okay, then you’re good to go.
IME with Chase, if I intend to cash out the check and the face value is lower than my available funds, I had no problems BUT if my available funds are much lower than the check’s amount I’m depositing, I was told I can only withdraw amount which is less than my available funds. This is understandable so the bank will not be out of $$ if the check bounces fwr. For bounced checks, they assess a fee for it and Chase is one of those banks that aren’t forgiving especially to those who have opted out of overdraft protection.
I no longer have checking/savings accounts with Chase, only biz and personal CCs.
@fivetalents I can only speak for those I’ve helped using this technique which I got from the credit booster experts. I’d like to emphasize I DO NOT like their business model, it’s too risky for anyone to put their CCs for rent for monetary compensation. One requirement that turned me off was when he said I have to give him the PW on my credit karma so he will see my credit history aside from my CK Fako score. He11 NO!!! even if I can change my PW immediately after he makes his assessment whether I qualify or not to be his ‘business partner’. The ones I’ve helped have told me their credit scores went up just a few months after I added them as AU.
On my part, the benefit I get is to use the AU cards for sync offers that I like to get more credits. as stated…WIN-WIN. To add, I am not affected by all their other activities outside of this AU card issued to them which is IN MY POSSESSION at all times and I’ve tested the CCs if they’ll send the AU cards to other addresses and all said NO, the AU cards are sent only to primary card holder who’ll give the AU cards to their respective owners. That gives me confidence they can’t take hold of AU cards w/o my knowledge.
@fivetalents I concur; for those who have a lot of options to build their credit history, they can turn to fee free methods but those who have no other means they have to “pay the price” so to speak.
Another option that came to mind since I’ve done this for close friends and family is to add them as AUs to my CCs with long history and high CL. This is a sure way to build their credit without doing anything. I don’t give them the AU card, but if it’s an amex I put charges on them for sync offers that are moneymakers. They are not responsible for any charges I make, I pay for them and they benefit from my responsible use of credit cards. In fact, I’ve had several offers from enterprising people to pay me a fee to “piggyback on my excellent credit” but I turn them down no matter how enticing the offers are. I know some people make a few hundreds extra doing business with these ‘credit booster’ companies.
I think that would be the best option for OP’s friend w/o costing him/her any money IF he/she knows of anyone willing to make them their AU (they may have to give their SSN to ensure it’ll be recorded by CRAs because without SSN, the CRAs will not be able to associate the CC to the individual). It bears to remind them also to share their SSN only to people they trust.
@fivetalents afaik, NONE of the prepaid V/MC reloadable/non reloadable cards are useful to build one’s credit. Applying for a secured CC will build one’s credit.
I remember a banker told me years ago that taking out a small loan from the bank and then paying it as agreed is also a good way to build one’s credit. I wouldn’t do it myself because I’m sure bank will charge interest on that loan depending on the terms but for those who are desperate to build credit, that’s an option.
I saw on Amazon that they’re now selling VGCs and since I have accumulated a stash from previous deals, I thought it would be a good deal to cash out via Visa GC. The highest denomination available is $100 with a $5.95 fee (ouch!), free shipping. I went on to do a test purchase but when it came to pay, it wouldn’t allow me to pay with my GC balance 
There goes my plan to cash out…
Do you have siblings that may have claims to the property too? In my case, I have 2 siblings and I wanted full rights to a building in prime location we inherited from my dad. I offered to buy their share which both accepted since they’re both living here in the states and want nothing to do with any property overseas. Laws may vary regarding real estate transfers to kin so best for you to check with a lawyer that gives free initial consult/advice and go from there.
For those high yield checking accts from CUs, this trick worked for me in the past to get the high rate where they required ten swipes of the DC. I did SCO at WM adding a few cents to a WMgc to fulfill the ten swipes requirement in just one trip. I just got the high interest rate and when they lowered their rates, I just pulled all my funds from there.
Whenever swipes are required to fulfill bank terms in getting bonuses, this trick still works well for me w/o the need for cashier intervention.
@mrvietnam you can try creating an account for each of the AU. It’s what I did from the get go and that’s how I got the offers on each account and saved them accordingly. Try that and see if offers come up for each AU cards.