topic Re: Question on Serve with ISIS wallet in Personal Finance

Question on Serve with ISIS wallet

Open123 — Sun, 20 Jul 2014 14:44:06 GMT

Serve CC limits are raised to $500 per day and $1,500 per month whe associted with an ISIS wallet acount.

However, my questions is this. In the past, the new higher limit was only recognized with new Serve accounts opened via the ISIS App, not when adding ISIS to an existing Serve account, which had been still restrained by the old $200/$1,000 limits. So, the only way to be certain of having the higher loading bands was to close an existing Serve account, and open a new one through the ISIS App.

Naturally, I'd rather not go through the trouble, especially since it'll require an extra case an iPhone. Does anyone know how it works now? If they've fixed this glitch?

Thanks!

Re: Question on Serve with ISIS wallet

mongstradamus — Sun, 20 Jul 2014 14:52:08 GMT

@Open123 wrote:
Serve CC limits are raised to $500 per day and $1,500 per month whe associted with an ISIS wallet acount.

However, my questions is this. In the past, the new higher limit was only recognized with new Serve accounts opened via the ISIS App, not when adding ISIS to an existing Serve account, which had been still restrained by the old $200/$1,000 limits. So, the only way to be certain of having the higher loading bands was to close an existing Serve account, and open a new one through the ISIS App.

Naturally, I'd rather not go through the trouble, especially since it'll require an extra case an iPhone. Does anyone know how it works now? If they've fixed this glitch?

Thanks!

I still think you have to cancel card and order thru isis, I am thinking about whehter i want to do that or not. I have isis installed on my phone already. I don't have to get the extra case like you do tho , since i don't use an iphone. My phone already has NFC built in.

Re: Question on Serve with ISIS wallet

Kenny — Sun, 20 Jul 2014 14:53:25 GMT

@mongstradamus wrote:
@Open123 wrote:
Serve CC limits are raised to $500 per day and $1,500 per month whe associted with an ISIS wallet acount.

However, my questions is this. In the past, the new higher limit was only recognized with new Serve accounts opened via the ISIS App, not when adding ISIS to an existing Serve account, which had been still restrained by the old $200/$1,000 limits. So, the only way to be certain of having the higher loading bands was to close an existing Serve account, and open a new one through the ISIS App.

Naturally, I'd rather not go through the trouble, especially since it'll require an extra case an iPhone. Does anyone know how it works now? If they've fixed this glitch?

Thanks!
I still think you have to cancel card and order thru isis, I am thinking about whehter i want to do that or not. I have isis installed on my phone already. I don't have to get the extra case like you do tho , since i don't use an iphone. My phone already has NFC built in.

Oh wow, lucky! I was thinking of purchasing it, but can't really justify it since it's 70 bucks. ( i think it's 70.) Plus it's out of stock online.

Re: Question on Serve with ISIS wallet

mongstradamus — Sun, 20 Jul 2014 14:55:52 GMT

@KennyRS wrote:
@mongstradamus wrote:
@Open123 wrote:
Serve CC limits are raised to $500 per day and $1,500 per month whe associted with an ISIS wallet acount.

However, my questions is this. In the past, the new higher limit was only recognized with new Serve accounts opened via the ISIS App, not when adding ISIS to an existing Serve account, which had been still restrained by the old $200/$1,000 limits. So, the only way to be certain of having the higher loading bands was to close an existing Serve account, and open a new one through the ISIS App.

Naturally, I'd rather not go through the trouble, especially since it'll require an extra case an iPhone. Does anyone know how it works now? If they've fixed this glitch?

Thanks!
I still think you have to cancel card and order thru isis, I am thinking about whehter i want to do that or not. I have isis installed on my phone already. I don't have to get the extra case like you do tho , since i don't use an iphone. My phone already has NFC built in.
Oh wow, lucky! I was thinking of purchasing it, but can't really justify it since it's 70 bucks. ( i think it's 70.) Plus it's out of stock online.

Yea all i had to do was goto att store and they issued me an new isis sim card. I think you have to have one of the newer phones tho the ones made within last year or two. On a side note i did get 15 dollar credit for opening isis with serve, but still shows me not having isis account on serve account, weird maybe will give isis an call.

Re: Question on Serve with ISIS wallet

Open123 — Sun, 20 Jul 2014 15:17:08 GMT

@mongstradamus wrote:
I still think you have to cancel card and order thru isis, I am thinking about whehter i want to do that or not. I have isis installed on my phone already. I don't have to get the extra case like you do tho , since i don't use an iphone. My phone already has NFC built in.

So, eventhough you've added Isis wallet, I assume you don't see the higher limits on your account?

Re: Question on Serve with ISIS wallet

mongstradamus — Sun, 20 Jul 2014 15:29:15 GMT

@Open123 wrote:
@mongstradamus wrote:
I still think you have to cancel card and order thru isis, I am thinking about whehter i want to do that or not. I have isis installed on my phone already. I don't have to get the extra case like you do tho , since i don't use an iphone. My phone already has NFC built in.
So, eventhough you've added Isis wallet, I assume you don't see the higher limits on your account?

I just tried adding 500 to my account, it didn't let , so i assume i am just on regular serve account, since isis serve account allows 500 dollars an day transfer.

Re: Question on Serve with ISIS wallet

Kenny — Sun, 20 Jul 2014 15:32:04 GMT

Multiple accounts of this. Have to close first one down (go ahead and do your 1000 if you want/need to and then close it down.) lol

Re: Question on Serve with ISIS wallet

mongstradamus — Sun, 20 Jul 2014 15:37:01 GMT

@KennyRS wrote:
Multiple accounts of this. Have to close first one down (go ahead and do your 1000 if you want/need to and then close it down.) lol

i have like 100 and change left on that account would just transferring to bank account and closing account be suspicious or should i add more money to pay off an bill so its zeroed out ?

Re: Question on Serve with ISIS wallet

Open123 — Sun, 20 Jul 2014 15:42:12 GMT

@mongstradamus wrote:
i have like 100 and change left on that account would just transferring to bank account and closing account be suspicious or should i add more money to pay off an bill so its zeroed out ?

I would just drain it, and be up front with Serve if the ever inquire.

I'd tell them candidly, "I want the higher limits." Just as when I kept changing new CCs where you have to call their fraud dept; when asked why, I just said, "cycling CC bonuses." Just don't mess aorund with loading from a GC, which is the one thing they will no longer tolerate.

Re: Question on Serve with ISIS wallet

mongstradamus — Sun, 20 Jul 2014 15:44:14 GMT

@Open123 wrote:
@mongstradamus wrote:
i have like 100 and change left on that account would just transferring to bank account and closing account be suspicious or should i add more money to pay off an bill so its zeroed out ?
I would just drain it, and be up front with Serve if the ever inquire.

I'd tell them candidly, "I want the higher limits." Just as when I kept changing new CCs where you have to call their fraud dept; when asked why, I just said, "cycling CC bonuses." Just don't mess aorund with loading from a GC, which is the one thing they will no longer tolerate.

sorry i wasn't clear, i meant just loading money from my cc to serve. Say i have only 100 left on my serve account and i have an cable bill coming up thats 150. I would add from 50 from my cc to amex serve. So i would have 150 in my serve account to pay off my cable bill. Would that be safer than just transferring the 100 dollars from my serve to an bank account, and closing my serve account.

Re: Question on Serve with ISIS wallet

Open123 — Sun, 20 Jul 2014 15:46:41 GMT

@mongstradamus wrote:
sorry i wasn't clear, i meant just loading money from my cc to serve. Say i have only 100 left on my serve account and i have an cable bill coming up thats 150. I would add from 50 from my cc to amex serve. So i would have 150 in my serve account to pay off my cable bill. Would that be safer than just transferring the 100 dollars from my serve to an bank account, and closing my serve account.

Oh, I see.

Yes! I've never and have always refrained from withdrawing a CC load into a bank account. Or, you can just use the Serve card and pay your cable bill online with the difference taken from your registered CC.

Re: Question on Serve with ISIS wallet

Kenny — Sun, 20 Jul 2014 15:52:16 GMT

Mong, it's not going to hurt you at all to just go ahead and finish the last bill you need to pay and then proceed in closing it to get your newly activated ISIS serve account. To me, the main reason to switch to the ISIS is that you can do 500/day that's 2.5 days with regular Serve.

Re: Question on Serve with ISIS wallet

mongstradamus — Sun, 20 Jul 2014 15:53:18 GMT

@Open123 wrote:
@mongstradamus wrote:
sorry i wasn't clear, i meant just loading money from my cc to serve. Say i have only 100 left on my serve account and i have an cable bill coming up thats 150. I would add from 50 from my cc to amex serve. So i would have 150 in my serve account to pay off my cable bill. Would that be safer than just transferring the 100 dollars from my serve to an bank account, and closing my serve account.
Oh, I see.

Yes! I've never and have always refrained from withdrawing a CC load into a bank account. Or, you can just use the Serve card and pay your cable bill online with the difference taken from your registered CC.

Oh yeah i never thought about that :-) i am going to call isis up first and see what i can do before i do all that.

Re: Question on Serve with ISIS wallet

red259 — Sun, 20 Jul 2014 21:37:04 GMT

Using Serve with ISIS wallet is it ok to load the 1.5k per month from my ink card or will Chase take issue with that (I wouldn't think they will care but you never know)? I need to pay some other bills that will not take credit cards so I have to send out a check with serve.

Re: Question on Serve with ISIS wallet

Kenny — Sun, 20 Jul 2014 21:51:03 GMT

@red259 wrote:
Using Serve with ISIS wallet is it ok to load the 1.5k per month from my ink card or will Chase take issue with that (I wouldn't think they will care but you never know)? I need to pay some other bills that will not take credit cards so I have to send out a check with serve.

Chase doesn't treat these transactions as a cash advance. You do get rewards of the amount you use.

Re: Question on Serve with ISIS wallet

Anonymous — Sun, 20 Jul 2014 21:56:05 GMT

Should be fine, although you won't get many rewards. If you have a Quicksilver, BoA Travel Rewards, Fidelity Amex etc those would be better choices as they will give you more than 1% cashback.

AFAK no credit card treats Serve as cash advance, but AMEX issued cards don't earn rewards on Serve reloads.

Re: Question on Serve with ISIS wallet

Kenny — Sun, 20 Jul 2014 21:59:18 GMT

@Anonymous wrote:
Should be fine, although you won't get many rewards. If you have a Quicksilver, BoA Travel Rewards, Fidelity Amex etc those would be better choices as they will give you more than 1% cashback.

AFAK no credit card treats Serve as cash advance, but AMEX issued cards don't earn rewards on Serve reloads.

You're right about the cash advance.. I was confusing no rewards with cash advance.

Treated as purchase, but doesn't earn points/miles:

Amex (Might count toward minimum spend)

Re: Question on Serve with ISIS wallet

Anonymous — Sun, 20 Jul 2014 22:06:11 GMT

@Anonymous wrote:
Should be fine, although you won't get many rewards. If you have a Quicksilver, BoA Travel Rewards, Fidelity Amex etc those would be better choices as they will give you more than 1% cashback.

AFAK no credit card treats Serve as cash advance, but AMEX issued cards don't earn rewards on Serve reloads.

Since the Ink cards are earning URs, many would put 1UR above 1.5% QS etc, and maybe above 2% Fidelity Amex

Re: Question on Serve with ISIS wallet

red259 — Sun, 20 Jul 2014 22:08:42 GMT

@Anonymous wrote:
Should be fine, although you won't get many rewards. If you have a Quicksilver, BoA Travel Rewards, Fidelity Amex etc those would be better choices as they will give you more than 1% cashback.

AFAK no credit card treats Serve as cash advance, but AMEX issued cards don't earn rewards on Serve reloads.

I'm not really worried about the reward rate as I'm using the card on everything to meet min spend at this point.

Re: Question on Serve with ISIS wallet

mongstradamus — Sun, 20 Jul 2014 22:35:51 GMT

@Anonymous wrote:
Should be fine, although you won't get many rewards. If you have a Quicksilver, BoA Travel Rewards, Fidelity Amex etc those would be better choices as they will give you more than 1% cashback.

AFAK no credit card treats Serve as cash advance, but AMEX issued cards don't earn rewards on Serve reloads.

From FT thread I read earlier citi cards count as cash advance but Barclay's and chase do not