Author Topic: Money Orders (USPS RIP 11/3/17) (Read 313902 times)

username · « **Reply #920 on:** July 04, 2015, 11:50:26 PM »

Quote from: Ydad on July 03, 2015, 07:00:41 PM

FTFY

Thanks.

Freddie · « **Reply #921 on:** July 06, 2015, 04:12:27 PM »

Well, I just got turned down at Target (which was a surprise to me) so I went to my grocery store to cash out $2000 of OVs by MO. The lady did the first MO for me but when I asked for another she got nervous and asked what kind of card. I said DEBIT of course. Nevertheless, she ran to the back and spoke with a manager. A minute later she comes out and says if you want to buy MOs you need to fill out a form. She asked for my DL and I calmly handed it over to her. Then she asks for my SS#. I said I am not comfortable with that. She said she understand but then she cannot sell me MOs because this is how people "do money laundering." I pointed out that the top of the form said $3,000-$10,000 and I was not doing that much. She said it doesn't matter. Anyone buying MOs with a store bought debit card must fill it out.

The line was growing so I calmly said, "I see the line is growing and I have to think about whether I am comfortable with giving my SS#. I will come back later."

Anyway, she already had half the form filled out (name, DL#, address.)

Should I go back and give her my SS# and finish cashing out and just be happy? Should I worry that she has my info and that I refused to give her my SS#?

Any advice?

username · « **Reply #922 on:** July 06, 2015, 04:19:33 PM »

Depending on the distance, i would first try Target again.

coralsnake · « **Reply #923 on:** July 06, 2015, 04:21:09 PM »

Quote from: Freddie on July 06, 2015, 04:12:27 PM

Well, I just got turned down at Target (which was a surprise to me) so I went to my grocery store to cash out $2000 of OVs by MO. The lady did the first MO for me but when I asked for another she got nervous and asked what kind of card. I said DEBIT of course. Nevertheless, she ran to the back and spoke with a manager. A minute later she comes out and says if you want to buy MOs you need to fill out a form. She asked for my DL and I calmly handed it over to her. Then she asks for my SS#. I said I am not comfortable with that. She said she understand but then she cannot sell me MOs because this is how people "do money laundering." I pointed out that the top of the form said $3,000-$10,000 and I was not doing that much. She said it doesn't matter. Anyone buying MOs with a store bought debit card must fill it out.

The line was growing so I calmly said, "I see the line is growing and I have to think about whether I am comfortable with giving my SS#. I will come back later."

Anyway, she already had half the form filled out (name, DL#, address.)

Should I go back and give her my SS# and finish cashing out and just be happy? Should I worry that she has my info and that I refused to give her my SS#?

Any advice?

I doubt she will require to see your SS card, so....

Aerial Dag · « **Reply #924 on:** July 06, 2015, 04:26:12 PM »

Quote from: coralsnake on July 06, 2015, 04:21:09 PM

I doubt she will require to see your SS card, so....

+1

I used to do this to get free crap at those CC sign up stations at sport games and other festivals.

I would never give out my SS# unless necessary and I would even hesitate to give out my license #. I once gave it out to get a $500 VGC and I still regret doing it. Remember, you have no idea who has access to this information and if it's on paper any employee could have a look without anyone else even knowing...

ChaimMoskowitz · « **Reply #925 on:** July 06, 2015, 09:47:51 PM »

Quote from: coralsnake on July 06, 2015, 04:21:09 PM

I doubt she will require to see your SS card, so....

This is true but I would be careful going down this road.

Zzzzx · « **Reply #926 on:** July 07, 2015, 10:26:44 PM »

Quote from: Aerial Dag on July 06, 2015, 04:26:12 PM

+1

I used to do this to get free crap at those CC sign up stations at sport games and other festivals.

I would never give out my SS# unless necessary and I would even hesitate to give out my license #. I once gave it out to get a $500 VGC and I still regret doing it. Remember, you have no idea who has access to this information and if it's on paper any employee could have a look without anyone else even knowing...

Lessee, DL has birthday and address....SS has...yep, that's a bad idea. Never give out your SS. Go elsewhere.

username · « **Reply #927 on:** July 07, 2015, 11:02:21 PM »

For someone who has access to money orders (.52/ $500) what is the advantage to using serve/bb/redcard for cashing out gift ...uuhh... debit cards? Is it to save the fee, or are there risks in using MO, and what are they.

rileywiles23 · « **Reply #928 on:** July 07, 2015, 11:33:27 PM »

Quote from: username on July 07, 2015, 11:02:21 PM

For someone who has access to money orders (.52/ $500) what is the advantage to using serve/bb/redcard for cashing out gift ...uuhh... debit cards? Is it to save the fee, or are there risks in using MO, and what are they.

First of all to save the fee. Second, there are risks ( although minimal ) in depositing many MO's into ones bank account. Mainly money laundering concerns, which is why many banks don't let you deposit big amounts of cash, or MO's w/o I.d. etc.

sam i am · « **Reply #929 on:** July 08, 2015, 05:55:47 PM »

Quote from: username on July 07, 2015, 11:02:21 PM

For someone who has access to money orders (.52/ $500) what is the advantage to using serve/bb/redcard for cashing out gift ...uuhh... debit cards? Is it to save the fee, or are there risks in using MO, and what are they.

Why is the question to do MO or serve/bb/redcard. You should do MO and serve/bb/redcard!

username · « **Reply #930 on:** July 08, 2015, 11:28:15 PM »

Quote from: sam i am on July 08, 2015, 05:55:47 PM

Why is the question to do MO or serve/bb/redcard. You should do MO and serve/bb/redcard!

I get the tone of your post, but AFAIK, you can load infinite amounts with MO, so why do you need anything else?
I started this game with bluebird (I did dabble with the mint...) before i knew about MO, and Im wondering why i keep the blue-red bird. I use both, so as not to become a pain in any specific store, but i was wondering what others do.

ChaimMoskowitz · « **Reply #931 on:** July 09, 2015, 12:45:03 AM »

Quote from: username on July 08, 2015, 11:28:15 PM

I get the tone of your post, but AFAIK, you can load infinite amounts with MO, so why do you need anything else?
I started this game with bluebird (I did dabble with the mint...) before i knew about MO, and Im wondering why i keep the blue-red bird. I use both, so as not to become a pain in any specific store, but i was wondering what others do.

What works today might not work tomorrow so keep all your options open.

sam i am · « **Reply #932 on:** July 09, 2015, 10:53:50 AM »

Quote from: ChaimMoskowitz on July 09, 2015, 12:45:03 AM

What works today might not work tomorrow so keep all your options open.

This. Also while technically there are no limits on MO's, there is concern how much banks will tolerate. So bb takes some pressure off of that.
There is another factor as well. BB/serve can be loaded with VR so back in the day that was way more preferable to MO's. You only had to make 1 trip to cvs. The rest you did from home. With MO's in addition to buying GC's you have to go to WM or elsewhere that sells MO and then to bank. And red of course had CC option. I would imagine people just continue old habits and don't re-evaluate.

rileywiles23 · « **Reply #933 on:** July 09, 2015, 10:57:23 AM »

Quote from: sam i am on July 09, 2015, 10:53:50 AM

This. Also while technically there are no limits on MO's, there is concern how much banks will tolerate. So bb takes some pressure off of that.
There is another factor as well. BB/serve can be loaded with VR so back in the day that was way more preferable to MO's. You only had to make 1 trip to cvs. The rest you did from home. With MO's in addition to buying GC's you have to go to WM or elsewhere that sells MO and then to bank. And red of course had CC option. I would imagine people just continue old habits and don't re-evaluate.

You can deposit mo's from home as well. No need to go to a bank.

Marco Polo · « **Reply #934 on:** July 09, 2015, 11:00:11 AM »

Quote from: rileywiles23 on July 09, 2015, 10:57:23 AM

You can deposit mo's from home as well. No need to go to a bank.

Some apps do not read MO's and/or limit deposit amount.

username · « **Reply #935 on:** July 09, 2015, 11:00:45 AM »

True. All good points, was making sure im not missing anything.

BTW, with mobile deposits, it cuts out the trip to the bank.

sam i am · « **Reply #936 on:** July 09, 2015, 11:24:16 AM »

Quote from: username on July 09, 2015, 11:00:45 AM

True. All good points, was making sure im not missing anything.

BTW, with mobile deposits, it cuts out the trip to the bank.

Yes, but as Marco Polo pointed out, some apps don't take or can't read.I remember doing one where it took so long that it would have been quicker to just go to the bank.

rng · « **Reply #937 on:** July 09, 2015, 04:13:55 PM »

Quote from: Marco Polo on July 09, 2015, 11:00:11 AM

Some apps do not read MO's and/or limit deposit amount.

how do you deposit mo from home? Which banks accept it? Chase, citi, Amex?

ChaimMoskowitz · « **Reply #938 on:** July 09, 2015, 05:08:32 PM »

Quote from: username on July 09, 2015, 11:00:45 AM

BTW, with mobile deposits, it cuts out the trip to the bank.

Have yet to find a FI that will tolerate large sustainable mobile MO deposits.

username · « **Reply #939 on:** July 09, 2015, 07:01:15 PM »

Quote from: rng on July 09, 2015, 04:13:55 PM

how do you deposit mo from home? Which banks accept it? Chase, citi, Amex?

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Author Topic: Money Orders (USPS RIP 11/3/17) (Read 313902 times)