has some goofy service reps. read this email exchange: I wrote: they responded: I lost it and wrote back:
My money would be of there as soon as I could get it. Nobody on the planet questions how you put money into your checking acct? thx for the BAD CUSTOMER FOCUS warning. c ya dogman
I have moved money from my credit cards to my visa check card, no problem at all!!. The transaction is posted in two days.
Wow. I never thought of using my checkcard to receive a cash advance. Clever. But wouldn't PayDirect know that it was a checkcard by the 16 digit number on the card?
If they check it out. I doubt they do. They are just complying with some sort of agreement with card companies. I just can't get over how they cannot read. Or do you suppose they do not know the difference between a deposit account and a credit account?
When you move money like that , is that considered a cash advance or a purchase???? And are there any fees involved?
I moved money from CC to Bank card, and it took 9 days. Man, was I worried.... The terms do say up to 10 days though.
I haven't done yahoo paydirect yet. Do I need to just make 1 account and then i can move money? Or do i need to make 2 accounts and send money to myself?
Leo: It's treated as a purchase. No fees, it's free. Mike, I haven't done that - don't want them to close my account. making - yes, just sign up, they will send a snail mail thingy to verify your address, and they have a little thing they do to verify bank accounts. Takes about a week altogether, then you're all set. Nothing to it. BTW, I got an email today, reply to my nasty note that they couldn't read, telling me to call. The CSR said, well, the account is for sending money not for moving money, I said, it isn't against the rules, though. We argued about what a deposit account was, finally he said he was just tech service for the website, didn't know about bank accounts, LOL, and gave me the bank's 800 number. He also said they couldn't have authorized it twice, because they don't allow that - he kept saying "if you did it twice..." I said "I didn't do it twice, you all did." Then I told him my credit card company said it was yahoo and it was done twice. He kept insisting it couldn't be, it must be my credit card company, LOL. They don't know diddly.
I use it to move money between cards. So, say card A reports on closing date which is the 5th of the month. card B reports/closes on the 20th. I can make the balance look lower on both by moving money from one to the other. Or say, card A refuses to lower your rate when you ask them, and you have said "well I really can't afford to continue to carry a balance on this card." then you move it over to card B, and let card A sit for a while without activity. Their system notices. They give you a line increase - you call back and try again..... just a tool, whatever you need it for.
I don't have big balances. I also use the Cobalt card. Was using the Chase thingy until they stopped. I may go on and use it and pay their fee for telephone service.
leo, you are out of the loop! LOL You get a Cobalt card - it's a prefunded card from AmEx. You can fun it with a credit card, withdraw as cash at ATM. Limit is $100/day; $300/week (not calendar).
last time I did it (3 weeks ago) no fee from Cobalt. But they do reserve the right to charge a nominal fee. I used an ATM that charged $1.50. There is one that is free (military credit union) but it was about 5 miles away and it was time for the watch to change (that's "shift change" in military), so I paid the $1,50. If you have Naval Air FCU ATM's nearby they are fee-free. Probably some others I don't know about.
That happened to me when I moved the funds from my paydirect account to my checking account (Like 9 days). So the second time I tried this I used my Visa check card instead and the money was deposited in 1 or 2 days to my checking account. It is treated as a purchase, no fees.
