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US Rep experience

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longtimelurker
Epic Contributor

Re: US Rep experience


@Kforce wrote:

To overcome VoIP issues, I went this route.

 

I got a cheap $19.95 flip phone and a prepay $10 for 166 minute plan.

The minutes last for 4 months, before you need to drop another $10.

Unused minutes rollover.  (10+tax) = < 11.00

11.00/4 = $2.75 a month will solve the issue.

I really like my $20 flip phone.    Smiley LOL

 

pp_1.png

pp_2.png

 

 

 

 


Oh, I have another number via Tello (more expensive, around $8 a month but that includes 20 mins international minutes, if I ever needed that).   I use an esim for my "real" number and the Tello sim in my phone, so no need for a special flip.

Message 11 of 16
Kforce
Valued Contributor

Re: US Rep experience


@Remedios wrote:

@Kforce wrote:

@Remedios wrote:

I bet you're typing with your brand new Leapfrog laptop, too! Because $9.99 (might be more now cuz inflation n'stuff ) 


Almost:

It is a 12 year old Intel Core2 Duo, booting from a "linux puppy CD" all running in 8 megs ram.

No hard drive, no storage, no possible virus, malware, keylogger's, etc.

Do have a nice "Leopold FC750R Mechanical Keyboard" and "Eizo Color Edge Monitor" attached.

 

 


It's as if you can see inside my office 

 


You look nice today   Smiley Happy

Message 12 of 16
zerofire
Valued Contributor

Re: US Rep experience


@longtimelurker wrote:

Amazingly, I had an interaction with a rep from US Bank which was underwhelming (yes, big news I know).  I didn't receive a text for Real Time Rewards and wondered why.  He asked what the number was and I told him.  "Is that a cell phone?"  I told him it was Google Voice.  "A WHAT???"  and told me it has to be a cell phone, even though the GV account in front of me shows lots of RTR texts.  OK, maybe it's changed.

 

I asked if he could do the redemption for me.  "Yes, I can do statement credit."  For 1c per point, and that's all RTR is anyway he told me, showing unaware of the benefits.


Is the purchase amount over $10 in qualified categories? They will not send a Real Time Rewards text for every transaction. Also it really is a redemption at $0.01 per point. Also while most providers will partner together to deliver SMS between themselves when a company is doing automated SMS the provider charges the company. This also means the automated SMS might have a smaller network as VoIP companies try to get a slice. In the end one vender might include Google Voice but a new vender that is cheaper might not include them after a switch. It depends on the rep and how you classify the phone line. Personally I just lie that it is a cell phone on my VoIP line and then see what happens. If that does not work then I say its a land line. What I never tell them is that I can route the phone call to Antarctica if I wanted.

TU:837 09/19/23 Bank of America--EX: 841 09/20/23 Experian--EQ:832 09/21/23 myFICO--Gardening since N/A
Active:
Bank of America (Unlimited Cash Rewards WMC, Customized Cash Rewards WMC, Customized Cash Rewards VSC), Capital One Walmart WMC, Chase(Amazon Prime VSC, Freedom Flex WEMC [x2], Freedom Unlimited VC), Citi Dividend MC, Citizens GreenSense WMC, Curve WEMC, Discover It C, FNBO Ducks Unlimited VSC, PenFed (Platinum Rewards VSC, Pathfinder Rewards VSC), Synchrony PayPal Cashback MC, UMB Simply Rewards VC[Milford Federal], US Bank (Altitude Go VSC, Cash+ VSC [x2], Pick n Save/Metro Market WEMC)
Wishlist: AAA Daily Advantage Visa, AOD Signature, Bellco Colorado Rewards, Citi Custom Cash, EBates, Nusenda Platinum Cash Rewards, Ollo Optimum, Redstone Signature, Security Service Power Travel Rewards, Vantage West Connect Rewards
Message 13 of 16
UncleB
Credit Mentor

Re: US Rep experience


@zerofire wrote:

@longtimelurker wrote:

Amazingly, I had an interaction with a rep from US Bank which was underwhelming (yes, big news I know).  I didn't receive a text for Real Time Rewards and wondered why.  He asked what the number was and I told him.  "Is that a cell phone?"  I told him it was Google Voice.  "A WHAT???"  and told me it has to be a cell phone, even though the GV account in front of me shows lots of RTR texts.  OK, maybe it's changed.

 

I asked if he could do the redemption for me.  "Yes, I can do statement credit."  For 1c per point, and that's all RTR is anyway he told me, showing unaware of the benefits.


Is the purchase amount over $10 in qualified categories? They will not send a Real Time Rewards text for every transaction. Also it really is a redemption at $0.01 per point. Also while most providers will partner together to deliver SMS between themselves when a company is doing automated SMS the provider charges the company. This also means the automated SMS might have a smaller network as VoIP companies try to get a slice. In the end one vender might include Google Voice but a new vender that is cheaper might not include them after a switch. It depends on the rep and how you classify the phone line. Personally I just lie that it is a cell phone on my VoIP line and then see what happens. If that does not work then I say its a land line. What I never tell them is that I can route the phone call to Antarctica if I wanted.


RTR redemptions for travel charges are at 1.5¢/point ($500 minimum for hotels, $250 minimum for car rentals) but customer service only seems to be able to do redemptions at 1¢/point. 

 

It seems many customer service reps are unaware of this nuance.

Message 14 of 16
longtimelurker
Epic Contributor

Re: US Rep experience


@UncleB wrote:

@zerofire wrote:

@longtimelurker wrote:

Amazingly, I had an interaction with a rep from US Bank which was underwhelming (yes, big news I know).  I didn't receive a text for Real Time Rewards and wondered why.  He asked what the number was and I told him.  "Is that a cell phone?"  I told him it was Google Voice.  "A WHAT???"  and told me it has to be a cell phone, even though the GV account in front of me shows lots of RTR texts.  OK, maybe it's changed.

 

I asked if he could do the redemption for me.  "Yes, I can do statement credit."  For 1c per point, and that's all RTR is anyway he told me, showing unaware of the benefits.


Is the purchase amount over $10 in qualified categories? They will not send a Real Time Rewards text for every transaction. Also it really is a redemption at $0.01 per point. Also while most providers will partner together to deliver SMS between themselves when a company is doing automated SMS the provider charges the company. This also means the automated SMS might have a smaller network as VoIP companies try to get a slice. In the end one vender might include Google Voice but a new vender that is cheaper might not include them after a switch. It depends on the rep and how you classify the phone line. Personally I just lie that it is a cell phone on my VoIP line and then see what happens. If that does not work then I say its a land line. What I never tell them is that I can route the phone call to Antarctica if I wanted.


RTR redemptions for travel charges are at 1.5¢/point ($500 minimum for hotels, $250 minimum for car rentals) but customer service only seems to be able to do redemptions at 1¢/point. 

 

It seems many customer service reps are unaware of this nuance.


Right.    And to answer the other question, this was two charges in the airline category of about $170 each, which have worked in the past.   

Message 15 of 16
Remedios
Credit Mentor

Re: US Rep experience


@zerofire wrote:

@longtimelurker wrote:

Amazingly, I had an interaction with a rep from US Bank which was underwhelming (yes, big news I know).  I didn't receive a text for Real Time Rewards and wondered why.  He asked what the number was and I told him.  "Is that a cell phone?"  I told him it was Google Voice.  "A WHAT???"  and told me it has to be a cell phone, even though the GV account in front of me shows lots of RTR texts.  OK, maybe it's changed.

 

I asked if he could do the redemption for me.  "Yes, I can do statement credit."  For 1c per point, and that's all RTR is anyway he told me, showing unaware of the benefits.


Is the purchase amount over $10 in qualified categories? They will not send a Real Time Rewards text for every transaction. Also it really is a redemption at $0.01 per point. Also while most providers will partner together to deliver SMS between themselves when a company is doing automated SMS the provider charges the company. This also means the automated SMS might have a smaller network as VoIP companies try to get a slice. In the end one vender might include Google Voice but a new vender that is cheaper might not include them after a switch. It depends on the rep and how you classify the phone line. Personally I just lie that it is a cell phone on my VoIP line and then see what happens. If that does not work then I say its a land line. What I never tell them is that I can route the phone call to Antarctica if I wanted.


 

I don't understand your argument since you literally listed the reason why a lot of FI don't allow VoIP.

It's big part of KYC because of safety concerns associated with spoofing calls, spam, no fixed address, number not tied to address etc.

 

It just makes my head spin ...

 

 

Message 16 of 16
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