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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-money in your Serve account can be withdrawn directly to a linked bank account, which, if done too much, may be seen as risky by Serve, but in moderation should be fine.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 1009639 times)

Offline chuck447744

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Re: Amexserve/Softcard
« Reply #2380 on: November 04, 2014, 10:10:40 PM »
Does any one know a home depot or similar place where they accept soft card in NY or NJ area? (preferably with self checkout)




Offline 89mclarenstang

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Re: Amexserve/Softcard
« Reply #2381 on: November 05, 2014, 01:21:06 PM »
any updates as to whether ink plus is getting treated as a cash advance or as a purchase?  Is anyone's out of pending yet?

Offline kangarruu

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Re: Amexserve/Softcard
« Reply #2382 on: November 05, 2014, 02:28:48 PM »
any updates as to whether ink plus is getting treated as a cash advance or as a purchase?  Is anyone's out of pending yet?

It's a purchase.

Offline eli.f

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Re: Amexserve/Softcard
« Reply #2383 on: November 05, 2014, 02:43:51 PM »
It's a purchase.
+1
It's a purchase (on Barclay MC at least)

Offline D93

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Re: Amexserve/Softcard
« Reply #2384 on: November 05, 2014, 03:02:22 PM »
+1
It's a purchase (on Barclay MC at least)
89mclarenstang was asking about IP not Barclays MC

Offline eli.f

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Re: Amexserve/Softcard
« Reply #2385 on: November 05, 2014, 04:22:25 PM »
89mclarenstang was asking about IP not Barclays MC
Oops. Missed it.

Online m65

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Re: Amexserve/Softcard
« Reply #2386 on: November 05, 2014, 04:27:52 PM »
any updates as to whether ink plus is getting treated as a cash advance or as a purchase?  Is anyone's out of pending yet?
It's a purchase.

anyone else can confirm?

Offline eli.f

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Re: Amexserve/Softcard
« Reply #2387 on: November 05, 2014, 04:31:13 PM »
anyone else can confirm?
1 isn't enough?

Online m65

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Re: Amexserve/Softcard
« Reply #2388 on: November 05, 2014, 04:32:00 PM »
1 isn't enough?
not in these inyanim - for me at least

Offline 89mclarenstang

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Re: Amexserve/Softcard
« Reply #2389 on: November 05, 2014, 04:40:30 PM »
i would love to have at least another guarantee before i fill up my card.  my first time doing this...want to go into it with some confidence :)

Offline kangarruu

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Re: Amexserve/Softcard
« Reply #2390 on: November 05, 2014, 04:51:40 PM »
i would love to have at least another guarantee before i fill up my card.  my first time doing this...want to go into it with some confidence :)

Do $1 and see what happens. Worst case is $10 in fees, which you can probably have them waive.

What's life without a little risk?

Offline JT27MP

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Re: Amexserve/Softcard
« Reply #2391 on: November 05, 2014, 06:56:04 PM »
anyone else can confirm?

Confirmed

Offline kangarruu

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Re: Amexserve/Softcard
« Reply #2392 on: November 05, 2014, 07:40:10 PM »
not in these inyanim - for me at least


Offline chuck447744

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Re: Amexserve/Softcard
« Reply #2393 on: November 05, 2014, 09:06:06 PM »
See pic at Quick check in NJ stocked up approx.  180.00 good sale 2 for a $1 cosco sell for approx .72 cents

Online Shmulie

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Re: Amexserve/Softcard
« Reply #2394 on: November 05, 2014, 09:54:17 PM »
See pic at Quick check in NJ stocked up approx.  180.00 good sale 2 for a $1 cosco sell for approx .72 cents
180? you know you can only do max 5 cards 5x15=75

Offline chuck447744

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Re: Amexserve/Softcard
« Reply #2395 on: November 05, 2014, 10:57:58 PM »
Yes but I am using 2 soft card accounts and correction I think cosco  still has it cheaper


Offline aaa1

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Re: Amexserve/Softcard
« Reply #2396 on: November 05, 2014, 11:15:06 PM »
Used ib to charge on serve to meet a spend threshold. The charge showed up as travelers check money order etc. does that mean it won't count towards the threshold?

Online Shmulie

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Re: Amexserve/Softcard
« Reply #2397 on: November 06, 2014, 12:36:26 AM »
Yes but I am using 2 soft card accounts and correction I think cosco  still has it cheaper
oh wow that must have taken forever I hope there was nobody waiting in line behind you

Offline 89mclarenstang

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Re: Amexserve/Softcard
« Reply #2398 on: November 06, 2014, 09:12:50 AM »
Used ib to charge on serve to meet a spend threshold. The charge showed up as travelers check money order etc. does that mean it won't count towards the threshold?
Thats definitely something i didn't want to hear.  did it post that way or is it still pending?  I did my max 200$ last night and so far like everyone else its showing as cash advance.  also already got hit with the annual fee 2 weeks after getting the card.  Didn't expect that to show that quickly...  either way i have to decide whether or not to keep adding 200$ daily or do i wait the few days to see if it posted as a purchase??

Offline Jkhein

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Re: Amexserve/Softcard
« Reply #2399 on: November 06, 2014, 01:41:03 PM »
Can I use the serve account and routing number to make a cc payment, or I need to send a bill payment?