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Ill spell it out for the feeble.
You dont call up and ask if they take Visa gift cards for  a money order.
You dont call up and ask if they take Mastercard gc for a MO
You dont flippin call!


You go into a store and ask for an MO and she says ok its, XXX.XX say no p, take out your debit card and swipe. If the rep says no debits then apologize and leave. If she says lemme see that is that a gc say NO ITS A DEBIT. if she asks wheres your name you say (among many other options to think of) the permanent one is on the way and im using the temp one until i receive it. If you need to swipe more than once, its ok to have multiple debits (for those who are lacking in common sense). But be nonchalant dont be in your face about it to the rep. Reps want to feel they're in charge, its natural for a minimum paid employees...




I think this should give the basics on how to get a MO if you find a place.... this is not rocket science. But it seems like it is to some.... Where to cash out GCs for MO:

Where                                       Which gift card                                   Fee                                     max MO amount                                   

Service desk @ Wal-Mart                  MVD,  Visa from Meta bank,                                  70 cents                                           $1000
                                                  chase (phased out)                                                                                      $1000   
                                                     
Rite Aid                                                                                                 $0.89                                          $500
       
"HaNesher HaGadol"                            One Vanilla                                 .52                                          $500 max     
meijer-69 cents up to $1000-most stores
NOTES:
MVD charges 50 cents per transaction so ask for MO of card amount- (fee+ 50 cents) eg @WM ask for 498.80 on MO (or cover $1.20 some other way)
« Last edited by bb1836 on June 04, 2015, 06:22:46 PM »

Author Topic: Money Orders (USPS RIP 11/3/17)  (Read 313782 times)

Offline yochiek93

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Re: Money Orders
« Reply #1000 on: November 19, 2015, 04:37:34 PM »
At USPS MO is coded as a cash advance.  As a result GC's for MO will not work at USPS.  Only reason GC's work elsewhere for MO is because some places code the transaction as "debit."
Why if its coded as a cash advance wouldn't a gc work

Offline PBaruch

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Re: Money Orders
« Reply #1001 on: November 19, 2015, 04:39:12 PM »
Why if its coded as a cash advance wouldn't a gc work

Hmmm.....because you can't take a cash advance against a GC.  It's like going to a bank ATM and trying to take money out of the GC.  Won't work.
What do you do after your dreams come true?

Offline mord1

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Re: Money Orders
« Reply #1002 on: November 19, 2015, 04:45:43 PM »
At USPS MO is coded as a cash advance.  As a result GC's for MO will not work at USPS.  Only reason GC's work elsewhere for MO is because some places code the transaction as "debit."
Not sure if I should open up a can of worms or not, but....

Offline yochiek93

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Re: Money Orders
« Reply #1003 on: November 19, 2015, 04:46:07 PM »
Hmmm.....because you can't take a cash advance against a GC.  It's like going to a bank ATM and trying to take money out of the GC.  Won't work.
My question was isn't the coding of the gc from visa or mc so it should code as a debit

Offline username

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Re: Money Orders
« Reply #1004 on: November 19, 2015, 04:47:56 PM »
These plastic cards have a few things that they can do. some only work for 1 or 2.

credit
debit
cash advance

apparently the gift cards only work when the merchant processes it as credit or debit.
^^^

Offline jediwho

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Re: Money Orders
« Reply #1005 on: November 19, 2015, 07:56:37 PM »
There is some talk that in the last 6-9 mo's accounts that were shutdown before were just now being flagged. I was shutdown twice for I guess what they would call CC abuse and once for the MO's.

Care to give us your 2 cents on what we should not do or do so that Chase does not shut us down for CC abuse?

Offline yakrot

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Re: Money Orders
« Reply #1006 on: November 19, 2015, 07:58:22 PM »

Care to give us your 2 cents on what we should not do or do so that Chase does not shut us down for CC abuse?
i wouldn't hold my breath waiting for an answer

Offline PillanSmye

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Re: Money Orders
« Reply #1007 on: November 20, 2015, 11:55:30 AM »
Care to give us your 2 cents on what we should not do or do so that Chase does not shut us down for CC abuse?
Deposit MO's to another bank, and bill pay Chase

Offline jediwho

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Re: Money Orders
« Reply #1008 on: November 20, 2015, 02:39:10 PM »
Deposit MO's to another bank, and bill pay Chase

In this case, by CC abuse, it sounds like the OP was using it to MS and Chase was not too happy with it.

Offline sams

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Re: Money Orders
« Reply #1009 on: December 09, 2015, 03:01:27 PM »
Anyone ever have issues depositing let's of mo to bofa? Closures? Flagged?

Offline mord1

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Re: Money Orders
« Reply #1010 on: December 09, 2015, 03:27:11 PM »
Anyone ever have issues depositing let's of mo to bofa? Closures? Flagged?
I have heard BOFA is pretty good with these things

Offline lunatic

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Re: Money Orders
« Reply #1011 on: December 09, 2015, 04:26:08 PM »

Offline sams

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Re: Money Orders
« Reply #1012 on: December 29, 2015, 09:19:31 PM »
Any reason not to by a lot of MO (5k) to avoid filling out money laundering compliance form?? Anything to be afraid off?

Offline A3

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Re: Money Orders
« Reply #1013 on: December 30, 2015, 09:08:10 AM »
Any reason not to by a lot of MO (5k) to avoid filling out money laundering compliance form?? Anything to be afraid off?
That depends on you.

Just keep all receipt.


Offline WAM

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Re: Money Orders
« Reply #1014 on: December 30, 2015, 09:15:21 AM »
Any reason not to by a lot of MO (5k) to avoid filling out money laundering compliance form?? Anything to be afraid off?

If you have nothing to be afraid of, and you have all receipts (as A3 wrote), then there's nothing to be afraid of. AFAIK

Offline 3yummyboys

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Re: Money Orders
« Reply #1015 on: December 30, 2015, 09:31:03 AM »

Any reason not to by a lot of MO (5k) to avoid filling out money laundering compliance form?? Anything to be afraid off?

Excuse my ignorance, but what's a money laundering compliance form?

Offline WAM

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Re: Money Orders
« Reply #1016 on: December 30, 2015, 09:39:32 AM »
Excuse my ignorance, but what's a money laundering compliance form?
A form that you need to fill out when buying large dollar amounts of MO & sometimes in other (suspicious) circumstances as well. this should give you an idea of what type of questions may be asked on the form. (I know that it's not a US form, but the point is there.)

Offline Barryg

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Re: Money Orders
« Reply #1017 on: December 30, 2015, 11:10:59 AM »
Any reason not to by a lot of MO (5k) to avoid filling out money laundering compliance form?? Anything to be afraid off?
If the form asks for debit card numbers (or last four numbers) it would prob be better not to fill forms too often as the c/s rep will see your debit cards. Also, I'm sure the c/s rep will like you a lot more if they don't have to fill out forms.

Offline ual902

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Re: Money Orders
« Reply #1018 on: March 29, 2016, 09:24:50 AM »
So here are some of the ways I'm liquidating MO:
Rent
Giving my friends, siblings MO for $998 they in return give me a check.
Deposit MO $998 into my personal apple bank account and my business citi bank account, ive done the deposits only one time, is it safe to deposit once a month $998?.

Any other ideas to liquidate Money Orders?.

Offline GettingReady

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Re: Money Orders
« Reply #1019 on: March 29, 2016, 09:39:33 AM »
So here are some of the ways I'm liquidating MO:
Rent
Giving my friends, siblings MO for $998 they in return give me a check.
Deposit MO $998 into my personal apple bank account and my business citi bank account, ive done the deposits only one time, is it safe to deposit once a month $998?.

Any other ideas to liquidate Money Orders?.

If you're going to all the trouble to give MOs to friends, why not change the amount so it's not always $998 being deposited into your account? Whether it's a personal check or a MO, who ever gets and deposits the same exact amount?