Southwest Debit

UPDATE: Beware, initial authorizations do not drop off this card once the transaction posts. 4 times now with 2 different companies I had to wait 7 business days for holds to drop off my pending transactions even though the transaction had already been showing under “Settled and posted” once posted, the pending amount is supposed to go away immediately. These people are holding hundreds of dollars of my money unnecessarily for 7 business days until it automatically drops due to the hold expiring. UPDATE: Filed a complaint with customer service 1 week ago. My card still has a negative balance and the app and website are showing completely different balances from the IVR system. Not a single word from technical support. ****************** started using this card a few weeks ago and it has been a disaster. Nothing but problems that customer service can’t resolve. Right now the app and the website are showing a completely different balance than what customer service and the phone IVR are showing. It’s off by over 300 dollars. I have 3 pending charges that shouldn’t be there because the transactions have settled. It is a mess! Customer service is outsourced and show a lot of fake empathy, but as usual they don’t get it. There’s certainly a comprehension issue. I spent 2 hours today calling Southwest Debit, Kroger Corporste and Fred Meyer. Each one blamed the other. Bottom line: I am missing 300 dollars and nobody seems to really care or want to help. The way to a resolution is the customer service department at SW Debit. It is a nightmare full of people who lack basic English comprehension skills, which only makes the situation worse.

This is a good way to earn some additional SW RR points but there are some inherent limitations to this card. It often rejects instant transfers from PayPal or Venmo. You cannot instantly make a deposit with cash or a funds transfer. You need to plan very strategically if you plan to use it regularly.

Very hard to navigate!