smarterbucks
Dec 22, 2014, 11:12 am
#1
Original Poster
Join Date: Dec 2014
Posts: 7
smarterbucks
Accidentally thru this site stumbled on this. I signed up for the rewards to go towards my student loans.
But, I stumbled onto a manufactured spending part. You need to open a radius checking account. The beauty was you can open it with a credit card so I was able to earn a huge amount of points.
This is the first time I'm posting so figured I would add something to the community.
But, I stumbled onto a manufactured spending part. You need to open a radius checking account. The beauty was you can open it with a credit card so I was able to earn a huge amount of points.
This is the first time I'm posting so figured I would add something to the community.
Dec 22, 2014, 3:45 pm
#3
FlyerTalk Evangelist
Join Date: Oct 2014
Posts: 10,904
I just took a look at the radius website and read all the FAQs and everything -- there is no warning that your CC may charge a CA fee. That's not conclusive, but it's possible that they are willing to code it as a purchase and eat the swipe fee to get people to open accounts (a lot of banks offer a lot better bonuses than that to open and fund accounts)
You can only use a CC for the initial deposit, so it's a one-time thing (or at least, one-per-account)
It actually seems like a pretty decent checking account with fee-free ATMs and unlimited ATM fee reimbursements, with no min balance or monthly fees.
You can only use a CC for the initial deposit, so it's a one-time thing (or at least, one-per-account)
It actually seems like a pretty decent checking account with fee-free ATMs and unlimited ATM fee reimbursements, with no min balance or monthly fees.
Dec 22, 2014, 3:52 pm
#4
Original Poster
Join Date: Dec 2014
Posts: 7
I used a priceline 2% back credit card with a very high limit and I didn't have a cash advance fee. I did this last month, so maybe the rules have changed. I've already transferred the money back to my primary bank account so there is no money sitting with them now.
Let me suggest this to you guys if you are nervous. You can open up both a savings account and a checking account with each can be funded with a credit card, so maybe try one, if there is no issue try the other.
Like I said, I'm just trying to contribute to this community as I've been doing manufactured spending for years now and recently stumbled upon this forum.
I found this all my accident as I do surveys when I eat my dinner and happened to stumble on smarterbucks which led me to radius bank.
Let me suggest this to you guys if you are nervous. You can open up both a savings account and a checking account with each can be funded with a credit card, so maybe try one, if there is no issue try the other.
Like I said, I'm just trying to contribute to this community as I've been doing manufactured spending for years now and recently stumbled upon this forum.
I found this all my accident as I do surveys when I eat my dinner and happened to stumble on smarterbucks which led me to radius bank.
Dec 22, 2014, 3:56 pm
#5
Join Date: Nov 2011
Posts: 1,944
Accidentally thru this site stumbled on this. I signed up for the rewards to go towards my student loans.
But, I stumbled onto a manufactured spending part. You need to open a radius checking account. The beauty was you can open it with a credit card so I was able to earn a huge amount of points.
This is the first time I'm posting so figured I would add something to the community.
But, I stumbled onto a manufactured spending part. You need to open a radius checking account. The beauty was you can open it with a credit card so I was able to earn a huge amount of points.
This is the first time I'm posting so figured I would add something to the community.
Dec 22, 2014, 5:30 pm
#7
Join Date: May 2014
Location: PHL
Programs: SW CP, SPG Gold, Hilton Gold
Posts: 571
I used a priceline 2% back credit card with a very high limit and I didn't have a cash advance fee. I did this last month, so maybe the rules have changed. I've already transferred the money back to my primary bank account so there is no money sitting with them now.
Let me suggest this to you guys if you are nervous. You can open up both a savings account and a checking account with each can be funded with a credit card, so maybe try one, if there is no issue try the other.
Like I said, I'm just trying to contribute to this community as I've been doing manufactured spending for years now and recently stumbled upon this forum.
I found this all my accident as I do surveys when I eat my dinner and happened to stumble on smarterbucks which led me to radius bank.
Let me suggest this to you guys if you are nervous. You can open up both a savings account and a checking account with each can be funded with a credit card, so maybe try one, if there is no issue try the other.
Like I said, I'm just trying to contribute to this community as I've been doing manufactured spending for years now and recently stumbled upon this forum.
I found this all my accident as I do surveys when I eat my dinner and happened to stumble on smarterbucks which led me to radius bank.
Dec 23, 2014, 11:49 pm
#10
Join Date: Jun 2014
Posts: 34
I'd be interested in info on the hard pull too... On another thought, this site is an interesting marketing tactic. Just spent some time poking around their site and they appear to basically be a cashback/rewards portal similar to swagbucks or something but aren't marketing themselves as such really. The desire to accelerate payment of student loans could motivate people to jump through the hoops of cashback/reward sites.