Amex Serve Online CC Loading Options Changing

[Anonymous]

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@JSS3 wrote:
I bet they start FR-ing or cutting limits when you use it for Serve. Amex just seems like one big trap master.

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You don't get points on Amex issued cards anyway

[thelethargicage]

I wonder if "fake" Amexes will start treating Serve loads as cash advances.

[Anonymous]

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@Kenny wrote:
Received this e-mail this AM. Curious if it will apply later to all other Serve based products. (Such as Blue Bird and Target Prepaid.)

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This method of Serve loading involves only Amex, so they can more easily restrict it.   Target Prepaid and to some extent BlueBird have other partners who might not want to do this, (e.g. Target having to tell people you can use any card for these purchases but this one has to be Amex).  And cc loads don't really apply to Bluebird.

[JSS3]

LTL,

Why do you think they're forcing us to only use their card?

[thelethargicage]

He must've churned like $800K last month, so next we know, Serve gets nerfed :-P

[JSS3]

"Nerf" is the abbreviation for what?

[Anonymous]

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@JSS3 wrote:
"Nerf" is the abbreviation for what?

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Being "nerfed" just means that the program has downgraded in some way.  Like how US Bank Cash+ used to have a crapload of categories for the 5% and now it just has a dozen or so - the rewards program was "nerfed".

It's gamer slang, opposite of "buff" (like skill or status buffs).

[Open123]

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@Anonymous wrote:

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@JSS3 wrote:
I bet they start FR-ing or cutting limits when you use it for Serve. Amex just seems like one big trap master.

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You don't get points on Amex issued cards anyway

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Right, there's never been any reason to use any non-cobranded Amex cards to load Serve.  Moving forward, the cobranded cards with have more value for those who utilize Serve, such as the Fid Amex, Wells Fargo Propel, and Flexperks Amex.

[Open123]

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@JSS3 wrote:
LTL,

Why do you think they're forcing us to only use their card?

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In my estimation, since Serve waives CC loading fees, they are taking a loss each time a customer loads with a CC. 

Since Amex owns Serve, if they're going to subsidize CC load losses in hopes of making it back with Serve card debit useage, they mind as well monetize the load fees by limiting it to the Amex network, rather than having it spillover to Visa, MC or Discover.

[JSS3]

@michikade

Thanks.