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Bluebird

Sign up for a free account from Bluebird. Wait 7-10 business days to receive the card. If you have a Serve account, you will need to cancel it and then wait about 30 days before signing up. You need to wait for your physical BB card before you can proceed here.

Please note: You can load a maximum of $1,000 a day (plus $100/day with a debit card, though this might be risky, see below, II.4.) and $5,000 each calendar month into your Bluebird account, from all methods combined.

√ You can find answers to many questions here: https://www.bluebird.com/faqs?linknav=us-Prepaid-Bluebird-Home-Faqs#bluebird-checks
    And here: https://www.bluebird.com/ (just scroll down instead of clicking 'log in')

Ways to load it:

I. Vanilla Reload (VR)

1. Purchase a Vanilla Reload at any location that sells them. It is a hard plastic card similar to most gift cards. CVS is basically the only location that carries them and allows paying with a CC, although YMMV, even within the same store. Finding VR can be very difficult in regions with high DDF-er density. Load $500 on the VR, for a total of $503.95 including fees. The store will usually only let you buy two cards at a time, but again, YMMV. Pay by credit card, obviously.

Some stores will ask for ID and possibly scan your license. This is to make sure you don't default on payment. (It may be possibly to avoid this, if it bothers you, if the loaded value is less than $1,000 but as always, YMMV, and odd load values might look pretty... odd to the employees. You probably don't want to be the talk of the break room. Please use your best judgement.)

Vanilla Reload looks like this:



2. Scratch off to reveal the PIN on the back of the VR.

3. Go to https://www.vanillareload.com and put in the PIN, and then your BB account number on the next screen. No fee will be charged. The money is now in your BB account. If it doesn't work, make sure you entered both numbers correctly. In certain locations you may need to wait about 15 minutes for the money to show up.

II. "Gift" cards (GC)
 
As of April 1st, 2013, Mastercard (MC) and Visa GCs have PIN codes that will make the cards function as debit cards. GCs may be used to load up your Bluebird account in any Walmart, as will be explained below, or get cash back on purchases. There is still a lot of confusion and YMMV very much at this point, so be wary of the risks. Note that not all GCs work. Those from Metabank do, as do others. AMEX GCs are not capable of working with a PIN. They can only be used as gift cards. GCs for a specific business or store (iTunes or Home Depot or whatever) will never work in the ways described here.

1. Buy Visa or MC GCs. The larger the denomination the better, since the fee-to-balance ratio will be better. Buy them anywhere, but you get the most out of this if you buy them with a CC that pays more than 1 point per dollar at that store at that time.

2. You will need a PIN for each GC. If you bought a MC GC, call the number on the back of the card or go online to set a PIN. If you bought a Visa, the last four digits of the card number will usually work, as long as you have not used the card yet. If you have used it, you had to set a PIN, so use that.

3. Go to Walmart.

There are two suggested ways to load the GCs to BB at Walmart. Via a MoneyPass ATM (preferred) or via any cashier. Neither method charges an additional fee to what you paid when you bought the card. Please do not go to the service desk. Certainly do not refer to the GCs as gift cards, as they are, in fact, debit cards.

3a. MoneyPass ATMs

Not all Walmarts have MoneyPass ATMs, and MoneyPass ATMs at non-Walmart locations will not work to load BB. You can search for MoneyPass ATMs at Walmarts here: http://www.moneypass.com/atm-locator.aspx

Some report that MoneyPass ATMs in Walmarts near areas with high concentrations of DDFers seem to be permanently out of service. You may need to go farther afield or use the other method, mentioned below.

Follow the instructions on the machine to load your BB card. In some cases, the "Walmart Money Card" option will work for Bluebird as well. Be patient and careful with your card swipes, as the machines are often slow or touchy. Each GC will be a separate transaction. Remember, the maximum of $1,000/day per BB account always applies.

3b. Cashier

Please remember to be friendly, considerate and compassionate in all your interactions.

Ask a cashier to load your Bluebird account from a debit card. If they don't know how, tell them to use action code 70 and follow the instructions on their screen. They are able to split a single transaction into up to four different cards, but it can be simpler to add one GC at a time, especially with people waiting behind you on line. You can then go back around to the same or another cashier to add other cards. Again, the $1,000/day per BB account applies.

This method should work at any Walmart - as intended by the Bluebird product - but there are many stores in which some or all of the staff and management are suspicious of such transactions and will not do it. Your chances of convincing them to do something they think will risk their jobs is slim to none so if you encounter such resistance, please: Do take no for an answer and leave courteously to try another store or another day.

4. It is apparently possible to load up to $100 (one hundred dollars, not thousand) per day to BB from GC debit cards on the BB site for free. Please note that people have had their BB accounts frozen or shut down for using GCs to load BB online, and that the BB site clearly says that any debit card used must be in the BB account holder's name. You have been warned.

What to do with it:

BB money can be sent, via the BB site, to pay bills that don't normally accept CCs (think rent/mortgage, tuition, insurance, car payment, gas bill, even pay your cc bill) or to anyone in the U.S. for free. Checks sent online this way are delivered within 5 business days. It may be prudent not to use BB to directly pay the CC on which you purchased the VRs/GCs that funded BB, but, once again, YMMV.

Some people would rather use the free physical checks that you can order from BB, which need to be preauthorized by you online. For checks of $2,000 or more, authorization will require additional information and time. You need to provide the information and wait for confirmation before the check will be valid.

The money in your BB account can be withdrawn directly withdraw to a linked bank account, which, if done too much, may be seen as risky by BB, but in moderation should be fine. You can also send money to your bank account online by check, same as any other payee, but this might be risky from the perspective of the bank (not BB) if you bank and have CCs at the same institution.
« Last edited by ShlockDoc on March 06, 2014, 10:45:46 PM »

Author Topic: Bluebird: Now you can pay bills that don`t take credit card with a credit card  (Read 219806 times)

Offline Yehoshua

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Here in LA OD said they'd be getting more next week.  Either way I have some on hold at CVS where the manager I spoke to said that 1) he'd hold them for me till next week (when my Ink bold card will come) and 2) I could use credit card.  I'll still look in OD just in case they get some in.

UPDATE- I just called OD and they said that as of today they won't be carrying VR anymore.  Oh well.
« Last Edit: November 10, 2012, 09:51:29 PM by Yehoshua »
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Offline ADanFan

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Yes --
I went to 2 Office Depots here to check,
and they were told to remove their stock...
I got some at CVS tonight, instead.

btw -- When you mentioned that you'll use your Ink Bold at CVS,
it's only 5X UR points at an office supply store (like OD).
With the Chase Ink Bold at CVS, it's a regular purchase.

So, an SPG card may give you more value -- CVS takes Amex.  :)

Offline Yehoshua

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I'm aware there's no 5x bonus at CVS , but 1) I just applied for the Ink card for the 50k UR bonus as my main incentive and 2) At least I have them at CVS.

Normally I'd just put it on SPG, but I'm trying to rack up a lot of UR points now as I'll need them for my next trip.
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Offline scwam

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Last week, I made it known to one store that I wanted to buy about 4k of these and asked them if ok to use cc. He said no problem. I came in today and asked a rep to hold 8 for me at 2pm today, he did, but seemed he felt uncomfortable about it. Flashback to yesterday: a different store's manager held 4 for me since 15 were suddenly gone in 2 days. I found those 4 hidden (by   8)). She agreed to pick some more up from another store that had them & allow me buy them today. When I called in today I was told they could not be sold according to the email.

So I immediately went back to the store holding the 8 and noticed the 30 cards previously there were completely taken off the shelf. The same guy that held them was there. I tried to avoid him, and got a rep to get them out of the drawer. Waiting some 15 minutes for the approval (call in), the original guy I spoke to from last week shows up. He remembers me and our conversation from last week, sees my DL and passport w/Chinese visa and verifies it closely. Authorization center takes 15 minutes and says I have to speak to Chase directly. I called and spent another 10 min and verified quite a bit of info and the unlocked my account and said to reswipe. Got the the total approved for a random number under 4k with some odd cents added. In this case it helped to talk to them ahead of time. Now just hope future human eyes don't look at the transaction.

Offline Yehoshua

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I hope I don't have problems at CVS when I go back.
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Offline Cbs

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Just went to walgreens and bought 2 vanilla cards with my spg .
interestingly enough, a diff walgreens told me i needed to pay cash and thats what it said on the register screen.
« Last Edit: November 11, 2012, 12:00:53 AM by Cbs »

Offline Cbs

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are there any precautind i should be taking when paying off my CC bill? (on amex) or after i buy the vanilla cards and load the money on bluebird, can i just pay off the bill once the transaction goes thru.?

Offline Yehoshua

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Why would you need to be careful in paying off a credit card bill?  Once the transaction posts, does AmEx of Chase really care how you pay it off?  I assume paying mid-month is fine.
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Offline Drago

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Just went to walgreens and bought 2 vanilla cards with my spg .
interestingly enough, a diff walgreens told me i needed to pay cash and thats what it said on the register screen.
Reports are that they are trying to roll that out to all their stores. Cash only.


Offline Cbs

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Reports are that they are trying to roll that out to all their stores. Cash only.
I better buy them out.

Offline compddd

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This is going to be dead everywhere soon, then it's back to the old tried and true ways of meeting spend.

Offline sky121

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This is going to be dead everywhere soon, then it's back to the old tried and true ways of meeting spend.
....until the next thing comes along :)
"Not all who wander are lost"

Offline AsherO

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....until the next thing comes along :)

Hopefully the bloggers don't get wind of that, or they'll kill it too. Stupid spoonfeeding.
Quote from: עירובין לד בשינוי
האי אפפוראמא דאזלינן מיני׳ כבי הילולא דמיא, חטוף ואכול חטוף ושתי

Offline PETERP

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Hopefully the bloggers don't get wind of that, or they'll kill it too. Stupid spoonfeeding.


We have to start speaking in PMs . Plus rumor of at least one Mole in FT .

Loose lips , sink ships !

Offline AJK

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We have to start speaking in PMs . Plus rumor of at least one Mole in FT .

Loose lips , sink ships !

I'd bet there are a number of "moles" on FT and elsewhere from each bank.
#CPFTW