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Open Serve: Do 1 of the following:
1) Buy a temporary card. (free in cvs in NJ won’t take cc)($3.95 fee), or
2) Open online. They’ll send you a card. (free)
Note that you COULD have more than one of these: Bluebird (BB), Redcard and serve. 

Loading Serve: Serve does not have any fees to load money.
a) At CVS, 7-11, and Rite Aid ONLY CASH can be loaded.
b) At Walmart GCs …uh Debit Cards (besides Vanilla cards) can be loaded onto Serve just like onto BB. Load limit: $2500/day up to $5000/month
c) At Family Dollar max $499.99/Day, not hard coded, YMMV, Cash or Debit/Gift Card.
WARNING: There are reports of debit cards being drained at FD, and not loading onto Serve, so FD is not recommended.
d) An Amex CC of the serve cardholder can be linked and used to fund your Serve ONLINE. Load limit: $200 per day/$1000 per month
Amex cc loads are not considered cash advance. They DO NOT earn points, or count towards a spending threshold.
e) Debit Cards linked to Serve: $200/day up to 1000/month ONLINE.  But only a permanent DC with your name on it. (NOT GCs)

So your total loading limit per month, if using all 3 methods is $7K.

-Serve has a $1 monthly inactivity fee (waived in VA, NY and TX) that is waived if you use Direct Deposit OR add $500.
-If Serve has a bonus for using direct deposit, use AP.

Using the funds on Serve:
-Free ATM use/withdrawal at MoneyPass ATMs. $2 elsewhere.
-Serve has a Bill Pay feature – same as BB.  You tell them who to pay, and they send a check for you.  You can pay up to 5k of unregistered billers, but 10K of registered ones (registered= those on their bill pay list). Pay your Credit Cards bills as well as many other bills or any person!
WARNING: Do not use the bill pay feature to pay the Credit Card that is linked for online loads.
-money in your Serve account can be withdrawn directly to a linked bank account, which, if done too much, may be seen as risky by Serve, but in moderation should be fine.
Withdraw to your bank https://secure.serve.com/Actions/WithdrawMoney

Make sure the name, address and phone number on your profile match your credit card billing address, or you may get declined.  When linking your credit card at serve.com, the website will only show you the address on your profile, but not the phone number, so this is easy to overlook.  Go to profile, and check/update your phone number there.

Error likely with the Serve account:
When you create a new account and add a credit card, you will be allowed to do the first transaction. After that, your account will probably go into system lockdown until you verify some information. Likely error message for this case is "Risk declined operation" when you try to add money on to the account. You will need to send in (online, fax or mail) a photo ID and a copy of your credit card or statement. Upload your documents here -
https://secure.serve.com/User/SecureFileUpload. Then Call up AMEX Account Protection Services at 1-800-555-4318 and tell them you uploaded the documents and ask them to verify it for you.
« Last edited by Iz on August 18, 2016, 10:36:02 AM »

Author Topic: Amexserve/Softcard  (Read 844393 times)

Offline chff

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Re: Amexserve/Softcard
« Reply #3135 on: January 30, 2015, 08:27:09 AM »
Can't. Forex fee is for online or US purchases made in foreign currency.
Forex is even when made in USD from a non US POS

Offline reed

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Re: Amexserve/Softcard
« Reply #3136 on: January 30, 2015, 02:47:02 PM »
Can I load serve with a PRG card? Which I believe is a charge card

Offline ranhan429

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Re: Amexserve/Softcard
« Reply #3137 on: January 31, 2015, 04:11:45 AM »
Can I load serve with a PRG card? Which I believe is a charge card
No. Besides- u don't get miles with amex cc using serve
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Offline tjak

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Re: Amexserve/Softcard
« Reply #3138 on: January 31, 2015, 12:24:10 PM »

No. Besides- u don't get miles with amex cc using serve
Why not? And I believe it would count for the threshold.

Offline ranhan429

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Re: Amexserve/Softcard
« Reply #3139 on: January 31, 2015, 12:27:47 PM »
Why not? And I believe it would count for the threshold.
Towards a threshold yes.

Cuz IME charge cards don't work since they don't allow for CA and that's what these trans seem to pend as. Why don't u just try it and report back? What have u got to lose.
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Offline eli.f

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Re: Amexserve/Softcard
« Reply #3140 on: January 31, 2015, 01:29:32 PM »
Towards a threshold yes.

Cuz IME charge cards don't work since they don't allow for CA and that's what these trans seem to pend as. Why don't u just try it and report back? What have u got to lose.
Who said charge cards don't have a CA ability? (Aside from the IB)
According to AMEX's 'Check Spending Ability', my PRG could be used for CA.

Offline Boruch999

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Re: Amexserve/Softcard
« Reply #3141 on: January 31, 2015, 03:44:35 PM »
Forex is even when made in USD from a non US POS

On regular Amexs, there is no forex fee for charges in USD even swiped at a non US POS.

Offline ranhan429

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Re: Amexserve/Softcard
« Reply #3142 on: January 31, 2015, 04:01:38 PM »
Who said charge cards don't have a CA ability? (Aside from the IB)
According to AMEX's 'Check Spending Ability', my PRG could be used for CA.
Ah. Then I stand corrected. Only had experience with my IB which was denied since it doesn't have CA capabilities I assumed it was a charge card thing.
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Offline eli.f

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Re: Amexserve/Softcard
« Reply #3143 on: January 31, 2015, 04:16:13 PM »
Ah. Then I stand corrected. Only had experience with my IB which was denied since it doesn't have CA capabilities I assumed it was a charge card thing.
Plus, AFAIK, it's only pending as CA on Visa. MC and AMEX should be fine. So even if it had no CA line, it should work fine.

Offline reed

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Re: Amexserve/Softcard
« Reply #3144 on: January 31, 2015, 07:08:31 PM »
Plus, AFAIK, it's only pending as CA on Visa. MC and AMEX should be fine. So even if it had no CA line, it should work fine.

Yes it's towards a threshold. So PRG works? Anybody have success?

Offline peace123

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Re: Amexserve/Softcard
« Reply #3145 on: January 31, 2015, 07:34:09 PM »
i have target red card so closed down my own serve card. But I am AU on wife's Serve card. Can I do the monthly $1500 online load too like her using my own . credit card?

Offline AnonymousUser

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Re: Amexserve/Softcard
« Reply #3146 on: February 01, 2015, 02:45:55 AM »
i have target red card so closed down my own serve card. But I am AU on wife's Serve card. Can I do the monthly $1500 online load too like her using my own . credit card?
No. AU cards cannot load.

Offline clear thinker

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Re: Amexserve/Softcard
« Reply #3147 on: February 01, 2015, 07:24:27 AM »
i have target red card so closed down my own serve card. But I am AU on wife's Serve card. Can I do the monthly $1500 online load too like her using my own . credit card?

No. AU cards cannot load.
Cmiiw you can load ur wife's serve with that credit card if she's an additional on that credit card.

Offline AnonymousUser

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Re: Amexserve/Softcard
« Reply #3148 on: February 01, 2015, 12:01:57 PM »
Cmiiw you can load ur wife's serve with that credit card if she's an additional on that credit card.
Correct, although you might need additional verification.
You cannot load onto a Serve AU.

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Re: Amexserve/Softcard
« Reply #3149 on: February 01, 2015, 01:51:17 PM »
why does nobody talk about tmibile reloadits seems like a pretty solid option for MS see here http://www.doctorofcredit.com/credit-cards/manufactured-spending/using-t-mobile-reloadits-cards-to-manufacture-credit-card-spend/