Amex serve?

[CreditDrama85]

what are everyone's opinions on the serve? how long have you used it, does it work well? I know its a prepaid product but it seems to offer benefits like online bill pay, check deposit, and cash reload. do all of these work smoothly, what are the load times like? Though I have several credit cards the idea of not having to play utilization games is kind of appealing.

[Creditaddict]

i don't really see the point to it if you have credit and if you have bank accounts and you are not trying to MS.

[Anonymous]

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@CreditDrama85 wrote:

what are everyone's opinions on the serve? how long have you used it, does it work well? I know its a prepaid product but it seems to offer benefits like online bill pay, check deposit, and cash reload. do all of these work smoothly, what are the load times like? Though I have several credit cards the idea of not having to play utilization games is kind of appealing.

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How are you planning to load it!  That puts utilization on your other cards.

[CreditDrama85]

i was thinking everyday spend but seperate from bank account. instead of putting everyday spend on credit cards and having to pay by a certain date. sure its similar to a debit card but i like the idea of spening money being seperate (if fraud charges or merchant puts through wrong amount the bulk of your funds are not at risk).  and i think theres a small psycological effect that we tend to spend more when swiping credit and are more reserved with debit.

[Anonymous]

OK.  It's not a debit card, so has to be loaded, but you could do that from a bank account if that is what you want.

But for most using it for this seems too much work.  It's good for the unbanked/underbanked and for MS.

[mongstradamus]

It use of r me is paying for bills you can't normally pay with credit card or things that charge service fee for using credit card 

[Anonymous]

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@mongstradamus wrote:

It use of r me is paying for bills you can't normally pay with credit card or things that charge service fee for using credit card 

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Yes, covered under the MS category.

[Anonymous]

I used it a short while. The main pain was having to loadcit. Overall it was decent. 

[red259]

I was using it just fine and now I can't do the online load with my chase ink. When I called serve the rep is claiming that chase is declining the transaction. Never had any problems loading in the past and there doesn't appear to be a problem with my ink card when I check the account online or pay my phone bill. I'm wondering if it would be a bad idea to call chase and ask.

[trumpet-205]

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@red259 wrote:

I was using it just fine and now I can't do the online load with my chase ink. When I called serve the rep is claiming that chase is declining the transaction. Never had any problems loading in the past and there doesn't appear to be a problem with my ink card when I check the account online or pay my phone bill. I'm wondering if it would be a bad idea to call chase and ask.

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It would be a bad idea to use Ink to load Serve in the first place. Ink is a business card. No matter how you look at it using it to load personal prepaid card doesn't count as business expense.