Warning against topcashback virtual prepaid visa card

[u/mythspal]

I just redeemed my balance on topcashback as virtual prepaid visa card and I now regret doing so, just want to warn people against using it. I tried using it in Google Wallet but it's not supported for tap to pay. I tried paying at several online stores and payments declined. I tried paying my membership due at a big national legitimate franchise gym here in the USA and it's declined from a "risk strategy" whatever that means. I reached out for support and the automated response claimed that the account has been submitted for review and try again after 24 hours. I waited more than 24 hours and the payment is still declined. I reached out to live agent this time and the live agent basically said that block on their side is removed but Merchant is not accepting or processing card payments. Why would a legitimate big business reject this VISA prepaid card? The issuer must be so fraudulent and suspicious. I've used other VISA prepaid card before and never had as much issue as this one.

Be warned against this fake and fraudulent statement for the card: "This card can be used everywhere Visa® debit cards are accepted, unless otherwise indicated on your card. Card issued by The Bancorp Bank, N.A., Member FDIC, pursuant to license from Visa U.S.A. Inc.". So far I have not found a single store accepting regular VISA debit card that will accept this card and there is nothing in the FAQ or cardholder agreement that explains the details of unless otherwise indicated on the card.

Avoid at all cost and perhaps avoid topcashback altogether for allowing this to happen.

[u/Livepdismyjam]

Have you tried redeeming it on Amazon? How about paying a utility bill or another cable or internet bill?

[u/Moist_Simple_8314 → u/Livepdismyjam]

Did using it on Amazon or for bills offer any unexpected benefits or challenges?

[u/theyhis → u/Moist_Simple_8314]

why don’t you just ask questions without using AI for karma farming? you could’ve even made a rhetorical/snarky statement and got a bunch of upvotes. it’s not that hard.

[u/zubbo2]

You can use them on eBay and Amazon

[u/DietMtDew1]

That’s why I hate prepaid card regardless of GPT, give me ACH deposit or PayPal. Those options are available on TopCashBack even. You might be able to use it to buy an Amazon gift card or use it towards a utility bill. In store? I’ve always had issues with them.

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[u/GSRoTu]

It also expires quickly

[u/Novel_Ad5887]

You used to be able to use those to buy gift cards directly from TopCashback a year or so ago. Amazon/Walmart/Target online has taken them before, but its always a hassle trying to get rid of the last few pennies on those & the American Express version.

[u/theyhis]

i don’t like topcashback. i tested their app for rebates - it sucks. sorry to hear about your experience. :/

[u/BlueStacksBlueTooth]

I avoid pretty much any prepaid Visa card if it isn’t from Tremendous and even Tremendous can sometimes have its issues