Manufactured Spending

My Week in Manufactured Spending: Bye Bye (RED) Birdie?

How many Walmart employees does it take to print a money order? One to do it and three others to stand around and watch while the line gets longer. That’s what happened last week when I went to a local Neighborhood Walmart to unload my Paypal Business Debit Card balance with a $2,900 money order. The cashier processed the transaction, one money order printed, then the machine ran out of paper. Getting the forms replaced would be time consuming at an efficient store. Since we’re dealing with Walmart, it had to be 10x more difficult. Two people had to be notified before one of them decided to find the forms. Two others came around to watch the spectacle as the lines got longer. Eventually the remaining two money orders printed. 

Bye Bye Redbird

The cashier had chatted me up and asked me to fill out the survey at the end of the transaction. When she handed me the receipt and reminded me of the survey, one of her colleagues laughed and said, “Why are you asking her to do it when she just spent 20 minutes waiting for you to replace the paper in the machine?” Apparently these surveys really matter, but since they’d already wasted 20 minutes of my day in the turtle race to replace the money order forms, I wasn’t about to waste any more time.

I had one $200 Visa gift card left over from an old Staples order (which I was initially going to spend down but decided to liquidate instead) along with a $100 loading limit left on one of my Target Prepaid RED cards. I gave both cards to my brother, since he passes some very easy Target stores on his way to work. Imagine my shock and horror when he came back and told me two of those Target stores wouldn’t let him load Redbird with the Visa gift card! Apparently cashiers are now asking to see cards and reciting the store policy when it’s a gift card without a name on it. I fully expected this at my local Target, but not those two Target stores!

Since I’m holding off on placing American Express gift card orders until I get confirmation that Extrabux is actually going to pay out on my order, that’s probably it for me in the manufactured spending department for now. I’ve toyed with the idea of reselling items for miles, but that’s not very appealing nowadays considering all the other things I have on my plate. The cost and hassle involved don’t always make it a worthwhile endeavor, though it seems guys like Big Habitat are able to make it work. Unless I become the head of a pharmaceutical drug company, buy the rights to a prescription drug and sell it at a 5000% markup, I’m not interested in the reselling game right now. That hasn’t always been the case.

Four years ago, before I even had a mile-earning credit card, I had a prime reselling opportunity on my hands. I did quite well buying and selling items in high demand – specifically clothes worn by Kate Middleton. The blue Zara dress she wore the day after her wedding, which sold out nationwide? I found two Zara stores in San Francisco that still carried them. I bought them for $89 each, then sold them on eBay for around $250 a piece. The obscure perfume The Daily Mail claimed she wore on her wedding day? I called the only US-based company that carried it, bought them out and sold each bottle for nearly $300. After I placed my order, they were back-ordered for 3 months and demand was very high.

I lost touch with that whole frenzy during my month-long trip to the Middle East and Europe in 2011. By then, the royals had gone on their tour of North America and there was a new outfit every day that people were clamoring to get their hands on. Meanwhile, I was missing out. By the time I made it back, I couldn’t keep up. Plus, she began wearing more high-end stuff that was less accessible to the general public. But just by reading The Daily Mail every day (something I’m otherwise ashamed of), I had a profitable mile-earning opportunity on my hands.

Reselling items for a profit can be lucrative both in terms of the number of miles it can generate as well as a cash profit, especially when you get shopping portal bonuses involved. It’s all about choosing a product that’s in high demand and thus has a high resale value. Until I muster up the excitement to get started with the reselling game, I’m limiting my manufactured spending activities to the occasional grocery store Visa gift card purchase. Unloading them via money order still seems to be a viable option for now.

What alternatives are you considering now that there are so many obstacles when it comes to gift card churning?

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  1. Are you able to get $2,900 MO ant WM? My WM says they have a $1K limit.

  2. I would guess she bought 3 MO, $1K, $1K and other amount.

  3. I just want to a WM to buy a money order for the 1st time and was told they no longer accept prepaid gift cards even if it has a pin number for payment. What did I do wrong?

  4. depends on how u weight ur own ms game, if feel necessary for the upcoming trip, i don’t mind go as far as 30 miles for other locations. if i’m just hogging the points which it isn’t wise then just go down which ever easy route for u. I am failrly lucky to say the targets around my house and work is very friendly at loading multiple cards.

  5. My Walmart manager says i can only load one 500 transaction to serve. He is lying but he is a lazy ass who doesn’t want to work.

  6. totally off subject, but i was one of the ones who bought kate’s wedding day perfume. now it’s driving me crazy ’cause i can’t remember the name! i do remember having to wait about 3 mo. to receive it and i think it was a little sample size. what was the name and thanks for the memory!

  7. Just curious…how did you know beforehand that people were going to pay a lot of money for something that Kate wore? Was it a personal hunch about that particular situation or were you following certain websites that talk about reselling stuff like that in the way we talk about miles and MS-ing?

    It might sound like a stupid question, but keep in mind that I’m a guy 😀

    • Not stupid at all. There was a lot of hype around her at the time and when I read that the blue dress was “sold out,” just out of curiosity I checked online and saw they were selling for almost 4x the retail price on eBay. That’s when I called the SF stores and found out they had them in stock after all. I also remember when this fanfare surrounded Michelle Obama, a lot of what she wore would end up on ebay at a significant markup. After that first blue dress, I knew this was going to be a trend so I bought the perfume, some of her shoes, and a couple of dresses and tops.

  8. Loading my redcard has come to a screeching halt. My two reliable stores, two unreliable stores and two stores I have never tried all had a variation of the same story. Cant load unless you use a “bank issued debit card’, card “must have name on it” and you “cant use a gift card” (I always say that I am not using a gift card (1vgc) but a debit card. They all now look at the actual card and say that its a prepaid card same as a gc.

    • It’s definitely becoming more widespread. However, my hope is that Target has as high of an employee turnover rate as Walmart, and as the next batch of cashiers replaces the current one, we’ll be able to take advantage of their gap in store policy knowledge.

  9. As of Tuesday my local Target was still letting me load cards with no problems. I’ll try again this weekend and hope it hasn’t changed!

  10. Just loaded a bunch of cards at Target on Sunday with no problems.

  11. Hopefully my Target stores in Indiana wont change to this when I get back from Costa Rica tonight! 🙂

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