A reader sent me this yesterday (edited for clarity):
“Us bank closed my new reserve card cuz I bought 3 gift cards randomly along with other purchase using my mobile wallet. No warning ..no fraud alert… mixed purchases too. Today tried to use card and decline; called and they said your account is closed…no reconsideration…. so not a good sign for 3X mobile wallet with gc purchase.”
I asked the reader some more questions and it seems he had bought a $500 GC at a drugstore using mobile wallet just fine two times last week. Today he tried another $500 GC at a grocery store and was blocked. All 3 times he had filler items so USB must be looking at level 3 data or watching spending thresholds at certain stores. He also had normal purchases in between so it wasn’t purely GCs. The reader had gotten the card on the first day, so it’s only been 2 weeks or so? Seems the USB RAT team is not messing around.
Don’t even try to buy GCs using mobile wallet with this card. Heck, don’t even bother trying to MS on the card. Oddly, their RAT team seems to be somewhat lenient with groc spend on their Flex cards.