GM Rewards Card (Marcus) & Apple Pay

[SuperFlyEDSguy]

Bump. 👊

I wonder how much of this is still going on as I was recently approved for the My GM Rewards Mastercard and I couldn't access either my virtual card or Apple Wallet card even after I activated the physical card! Each time I attempted to get the virtual card number, an error would appear telling me that I have to call into customer support for help. I placed a couple of calls, but customer support couldn't even see that there was an issue! Their tier one support also didn't seem very knowledgeable about credit in general.

Interestingly enough, I was planning on making one final call, and was going to tell them that I no longer wanted the card if they still couldn't fix it. Same story with the tier one rep, and then she transfers me to their fraud department! I was thinking that there's just no way that a brand new card that never worked would finally be resolved with a fraud specialist, but she was both patient and knowledgeable. The fraud specialist figured out the issue and had everything working by the time I hung up. Having greater access to their system and being more experienced proved very useful! I was definitely growing a bit impatient as it took right around two hours to get to that rep, but it was worth it in the end, for both of us. I keep the card and they keep my business! 👍

[AzCreditGuy]

Same thing happened to me until I got physical card.  I have the Business Ver though and stopped using it as the rewards go towards GM related products only and I cant apply it towards the balance of my credit card. Too bad its a good easy card to use

[SuperFlyEDSguy]

Good points. It's probably worth putting a charge on it a handful of times each year just to keep it active. It could be helping your scores depending on the card age, how much the limit is helping with your overall utilization, etc. Now, I finally was at a point recently where I closed-out most of my starter cards. Surprisingly, I only saw a point or two drift, although I thought it would be a bit more. It just was no longer worth it to me to have those cards at this point. The unfortunate thing is that the new cards that I've been replacing them with seem to have issues all their own, whereas the starter cards just worked.

• For example, this seems like a common issue with GM.
  
  
• Then there's USAA who couldn't get my application(s) right all because they needed to verify my ID and that subsequently caused a chain of issues once resolved! Basically, they approved my ID, sat on the application for weeks, and then finally did a HP out of nowhere when one bureau was frozen! I then tried to reapply and got even more errors relating to another application is already in progress and too many attempts! A supervisor told me that he will escalate to have it manually approved, but again, weeks are going by!
  
  
• Today, it was Truist who locked me out of my brand new account because of an obscure question used to verify my identity during account setup! They have a policy that IDs have to be verified AT THE BRANCH if the online questions don't work for whatever reason!!! What about those of us with severe disabilities that only leave home but a few times each year?! I was transfered multiple times and finally got to the fraud lead, the top person on-call, and she WAS helpful, but she couldn't revert the error as once it's set for a branch to verify it, apparently NOBODY could touch it, but a branch manager! To make it worse the fraud people have no inbound contact methods! So, I couldn't even e-Mail or Fax her my IDs! She literally had to e-Mail two branch managers and her boss, the top fraud guy, to get them to contact me so the branch could follow-up with me! I told her that I'm certain others with disabilities like my own are just canceling their cards because Truist needs a real system in place for manual or secondary ID verification! Asking to go to a branch is unacceptable!

As for the GM Card, I wanted it for the 0% Intro APR Promo. I was a bit upset that it took so many hours on the phone to get a working card, but it's fixed all around... Finally! You also can get that $100 gas credit, so don't forget about that either. I think there's also a SUB, but I have to wrap-up my U.S. Bank SUB first as I'm maybe 70% there after just a couple of weeks!

So, it behooves us to ask: Is THIS the new normal?! 🙄