End of Serve for me

[red259]

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@mongstradamus wrote:

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@slap_happy wrote:

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@red259 wrote:

So I am seeing reports of people who had their CA limit decreased when using CSP on serve are now reporting that a day after the transaciton posts it is switching over to purchase and CA fund is replenished. Anyone able to confirm this has happened to them? 

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I can confirm that I did a $20 load and it decreased my CA limit by $20 the payment posted today and it postes as a PURCHASE and I even got 20 points for it! so it seems that it initially seems to be a CA but posts as a purchase, maybe its still good!

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That is good news, i was wondering to myself if chase may have changed something due to them being hacked probably not, but just wondered why change all of a sudden. 

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I have heard in multiple places that this occured because Amex changed the visa code or something for the transaction. 

[Anonymous]

I'm still uncomfortable with it initiallly being a CA transaction, even if it is temporary. Besides, I'd have to message Chase back and ask them to reinstate my CA limit for this to work.  I'll wait a month or two to see how this plays out.

[elim]

any update on loading with chase cards online? is it just a temp cash advance that is charged as a purchase soon after and no cash advance fee's charged?

[Anonymous]

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@elim wrote:

any update on loading with chase cards online? is it just a temp cash advance that is charged as a purchase soon after and no cash advance fee's charged?

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That's what I've been seeing so far. I've also seen where Citi has been formally charging cash advance fees, so there's a strong chance other banks will follow suit.

[Anonymous]

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@Anonymous wrote:

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@elim wrote:

any update on loading with chase cards online? is it just a temp cash advance that is charged as a purchase soon after and no cash advance fee's charged?

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That's what I've been seeing so far. I've also seen where Citi has been formally charging cash advance fees, so there's a strong chance other banks will follow suit.

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Yes, the panic seems to be over, although if you adjusted your cash advance limit to 0, you need to change that back.

Don't know about the Citi point though.  Citi has been doing this for ages on things like purchasing Amex gift cards from Amex, and no other big bank has done the same.

[mongstradamus]

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@Anonymous wrote:

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@Anonymous wrote:

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@elim wrote:

any update on loading with chase cards online? is it just a temp cash advance that is charged as a purchase soon after and no cash advance fee's charged?

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That's what I've been seeing so far. I've also seen where Citi has been formally charging cash advance fees, so there's a strong chance other banks will follow suit.

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Yes, the panic seems to be over, although if you adjusted your cash advance limit to 0, you need to change that back.

Don't know about the Citi point though.  Citi has been doing this for ages on things like purchasing Amex gift cards from Amex, and no other big bank has done the same.

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I am doing an little experiment this quarter to see if discover gives you 5% on cc loads of serve. My most recent one went thru with no problems. No cash advance fees i mean,but i can't really tell till statement cuts if i got 5 % on it or not. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@elim wrote:

any update on loading with chase cards online? is it just a temp cash advance that is charged as a purchase soon after and no cash advance fee's charged?

---

That's what I've been seeing so far. I've also seen where Citi has been formally charging cash advance fees, so there's a strong chance other banks will follow suit.

---

Yes, the panic seems to be over, although if you adjusted your cash advance limit to 0, you need to change that back.

Don't know about the Citi point though.  Citi has been doing this for ages on things like purchasing Amex gift cards from Amex, and no other big bank has done the same.

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Yeah, I set my cash advance limits to $0 on both of my Chase cards. Unfortunately, I have my CSP linked. I'm debating whether I should call Chase and have them reinstated, or if I should just move on to a different lender. Although, the ones that are an option for me are Citi, Capital One, and AMEX. I may just chuck using Serve all together and move on. It's becoming a bit too risky for my taste.

[mongstradamus]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@elim wrote:

any update on loading with chase cards online? is it just a temp cash advance that is charged as a purchase soon after and no cash advance fee's charged?

---

That's what I've been seeing so far. I've also seen where Citi has been formally charging cash advance fees, so there's a strong chance other banks will follow suit.

---

Yes, the panic seems to be over, although if you adjusted your cash advance limit to 0, you need to change that back.

Don't know about the Citi point though.  Citi has been doing this for ages on things like purchasing Amex gift cards from Amex, and no other big bank has done the same.

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Yeah, I set my cash advance limits to $0 on both of my Chase cards. Unfortunately, I have my CSP linked. I'm debating whether I should call Chase and have them reinstated, or if I should just move on to a different lender. Although, the ones that are an option for me are Citi, Capital One, and AMEX. I may just chuck using Serve all together and move on. It's becoming a bit too risky for my taste.

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I can still use my csp I think since i never changed my cash advance fee on that card, wonder if its worth the risk. I did try loading with freedom and it got declined because i put cash advance limit on that card to 0. 

[JSS3]

Well I hope Serve stays as is and CCC will continue to allow us to upload free of charge on top of categorizing it as a purchase. It's been beneficial for paying my utility bills that I'd have to pay almost $3 in fees(I believe $2.35 exactly)

I have my electricity and water bill that I put on there. My other bills cost me nothing if I pay using their mobile app. I just received Barclays and it offers 2% for utilities but it's not advantageous for me to use the card for my situation. I'd much rather use Barclays to load serve and then use Serve to pay my bills. Water bill is usually 70/month. If I use a CC, it would charge me an almost 3 dollar fee. Barclays will then give me $1.50 cents back on that purchase. I will not break even and my fee cost more than the 2% cashback given by Barclays. I'd much rather load up Serve, pay no fee and then get 1% on all purchases. That way I only gained and didn't lose/break even. It's the same situation with my electricity bill when it's the non winter months. That will be under $90/per month and also an almost $3 fee. Now, during the winter months, I can use a CC since I'll be spending upwards of 300-400/month on gas heating(I'm guesstimating---first year not dealing with oil heat). Then again, 300 + 2.35(fee) x 2% = $6. I paid a $3 fee so will net $3 dollars. Now if I upload $300 to Serve and pay no fee, then use a card with 1% back on all purchases, I net 3 dollars. Same difference.

Serve is absolutely needed for paying bills on your CC fee free!

[Anonymous]

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@JSS3 wrote:

Well I hope Serve stays as is and CCC will continue to allow us to upload free of charge on top of categorizing it as a purchase. It's been beneficial for paying my utility bills that I'd have to pay almost $3 in fees(I believe $2.35 exactly)

I have my electricity and water bill that I put on there. My other bills cost me nothing if I pay using their mobile app. I just received Barclays and it offers 2% for utilities but it's not advantageous for me to use the card for my situation. I'd much rather use Barclays to load serve and then use Serve to pay my bills. Water bill is usually 70/month. If I use a CC, it would charge me an almost 3 dollar fee. Barclays will then give me $1.50 cents back on that purchase. I will not break even and my fee cost more than the 2% cashback given by Barclays. I'd much rather load up Serve, pay no fee and then get 1% on all purchases. That way I only gained and didn't lose/break even. It's the same situation with my electricity bill when it's the non winter months. That will be under $90/per month and also an almost $3 fee. Now, during the winter months, I can use a CC since I'll be spending upwards of 300-400/month on gas heating(I'm guesstimating---first year not dealing with oil heat). Then again, 300 + 2.35(fee) x 2% = $6. I paid a $3 fee so will net $3 dollars. Now if I upload $300 to Serve and pay no fee, then use a card with 1% back on all purchases, I net 3 dollars. Same difference.

Serve is absolutely needed for paying bills on your CC fee free!

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I don't think anyone doubts that serve is useful to the users, but so would a credit card that gave 110% back (and didn't require payment either).  So it's more if Amex considers it a viable product if cc loading reaches a high enough level.