MS Adventures? Or Misadventures?
By now, I’m sure you have seen everybody’s e-mail from Target that explains what you can and cannot feed your RedBird with. I will throw mine in here, just in case it looks different from every other blogger’s e-mail.
This isn’t really new. I’m sure since they stopped allowing credit card loads on May 6, that many people have had success loading the “old fashioned” way with gift cards purchased from other sources.
Here is what I have done over the past two months. Hold onto your hats! You know I’m a big spender! <sarcasm>
On April 8 and April 13 I purchased two $2,000 American Express gift cards and loaded them directly to my RedBird account. I paid $12.90 for fees and shipping for each card, but I earned $60 cash back. (which should pay out at the end of this month) So I was ahead with $34.20 in my pocket. And $4,000 in my RedBird.
Between mid-April and May 6, I loaded $7,300 via direct credit card loads onto my account and Matthew’s. That sure was fun while it lasted.
After May 6, I did not do any MS. I didn’t like the hassle of going to Wal-Mart and if I was going to go to Walmart, I would rather just load up there with Kate. But I can no longer use Kate since I canceled my Bluebird and Serve accounts.
Then, I got bored.
I really did not like just sitting here and not doing anything to actively earn miles and points. So on May 27, I decided to jump back in. I tested the waters at Walmart.
It had been awhile since I had purchased a gift card at Walmart. I was nervous that things had changed. I have had Walmart cashiers bark at me “cash or debit only” when I start to swipe my credit card. I just always smile and say, “It’s ok” and then it goes through.
The gift card rack looked different now. There were many more options of card designs to choose from. But having been burned in the past, I stuck with the “Happy Birthday” card that has always worked for me.
I have learned a few things over the years about buying gift cards at Walmart. Never go to the cigarette lane. That is usually where the Customer Service Managers hang out, en masse, to go over whatever it is Walmart CSMs have to discuss. Also avoid older ladies and the 10 item or less express lane. My plan is to always look for a young person and preferably a guy. They tend to care the least. I found just who I was looking for in Jacob in lane 7. I don’t think he said a word to me other than “how much” when I handed him the gift card. He was too busy trying to sneak glances at his phone and flirt with the girl in lane 10. I was in and out in about 5 minutes. No muss, no fuss.
That gift card has a fee of $4.94 so now I am only ahead by $29.26
I then drove directly to Target to load the gift card to my RedBird. Again, I was nervous because I wasn’t sure if this would work. But it worked like a charm. In and out.
The next day, Matthew and I drove to Indianapolis to see the Weird Al concert. Best Concert Ever, by the way. So good in fact, we are going to see him again next week in Dayton. And taking Parker!
I have always heard that the MS opportunities in Indiana are abundant. They have Simon Malls, which have lower fees on their gift cards than Walmart. I have also heard it is still possible to buy Vanilla Reloads with credit cards! How sweet!
On our way to the concert we stopped at the very nice Circle Centre mall in downtown Indy. We ate dinner and then went to the customer service kiosk to buy a Simon Mall gift card. The old lady working there was nice enough (at first), but very slow and somewhat suspicious of why we were buying such a large denomination gift card with a credit card. We bought one $500 gift card charged to Matthew’s US Airways card. There was a $3.95 fee so now I am only ahead by $25.31.
We walked around for about 30 minutes and as we were about to pass the kiosk again on our way out, I decided to buy another gift card using my Citi AA Mastercard.
When I approached the kiosk and told the lady I wanted to buy another gift card, she gave me a very accusatory look and asked, “Why?” Yikes. Because I am a consumer and it is my right to purchase whatever I want. I had to stand firm. I am not doing anything wrong. I was holding my credit card in my hand. She took it from me and started digging through her receipts to find Matthew’s receipt. I asked what she was doing. She said she was looking to see if it was the same card. What? I told her it was not, and even if it was, why does that matter?
Let’s write the rest of this out like a one act play, shall we?
Lady: “How much do you want to buy?”
Lady: “No. I’m not selling you one for $500.”
Me: “What are you talking about? I want to buy a $500 gift card. If my credit card is declined, you can refuse the sale, but you can’t refuse to sell me something that I am capable of paying for.”
Lady: “Yes I can. I’m not selling you one for the same amount that he bought. I can’t do it.”
This is getting scary now. I was waiting for her to push the secret security button.
Me: “Of course you can. You just won’t”
Lady: “That’s right. I won’t.”
Wow. Matthew is getting jittery now.
Matthew: “What about $499”
Lady: “No. I won’t do that either. It’s not allowed.”
Me: “This is crazy. You are just making stuff up.”
Matthew kicks my foot and gives me a look like “you better watch it”
Since when do you have to haggle to buy a gift card? This is insane!
Me: “Why are you doing this?”
Lady: “Because he just bought one”
Me: “So. If we had walked up here and pretended like we weren’t together, you would have never known.”
Matthew: “OK what about $495”
Lady: “No. I would feel more comfortable doing $450.”
Me: “Comfortable? This makes no sense whatsoever.”
Lady: “I’m not selling another one to you for $500”
Lady: “Because I can’t”
This went back and forth for a while longer, but you don’t need to read all the “yes/no” stuff.
Finally I just said, “Just do $450 and let’s get this over with.”
This was the worst gift card buying experience of my life. Talk about feeling like a criminal.
But I did get my $450 gift card with a $3.95 fee so I am now ahead by $21.36. I loaded both Simon Mall gift cards to my RedBird with no problem.
A Simon Mall In Another Universe
Matthew was in Oklahoma City on a business trip this week. There is a Simon Mall there where he has purchased gift cards in the past. Yesterday he bought two $500 gift cards in the same transaction, with no issues. $7.90 in fees for both cards so my bottom line is $13.46 in my pocket after all my gift card purchases.
Today, I took those two gift cards to Target to load to my RedBird. I did the first $500 load with no questions asked. I told her I wanted to do another one and she started the transaction and she said “Oh I forgot to look at the card you used” I said “Oh for the last four digits?” (which is what they used to do for credit card loads) and she said, “No, to make sure the names matched.” I was not prepared for this and should have had my credit union debit card on standby for such an issue. But the gift card was still right there in my hand so I just showed it to her. That transaction had already cleared so there was nothing she could do, but she could have denied the 2nd one if she felt something was wrong. Although, really…why should they care? She looked at it and said “Oh it’s a gift card. Ok” and continued to ring the 2nd transaction.
You can order personalized Simon Mall Visa Gift Cards via giftcardmall.com, but you have to pay a shipping fee which brings your total in fees to $7.94.
Taking Time Off
So now I have enough in my RedBird to pay my July mortgage and a couple bills so I am going to take a short break from MS. Maybe the next time Top Cash Back offers over 2% on American Express Gift Cards I will buy a couple and start again. Earning the cash back to cover the VISA fees is the only way this MS hobby makes sense now.
I have a $3,000 spending requirement on the new Citi AA card I just got. But I don’t usually have a problem spending $3,000 in 3 months without MS.
Have you had any MS Adventures lately?