Marcus 客服说账户不能用于信用卡还款
Marcus客服声称账户不能用于信用卡还款，与用户经验矛盾。
1. 关键信息
- #1 @gcy 接到Marcus客服两次电话，被要求验证linked银行账户，耗时40分钟，随后客服称账户不能用于信用卡autopay，否则会被flag。
- 客服引用条款g（Restrictions on Withdrawal Methods）禁止“register under a credit card”，但@gcy认为ACH pull不属于该条款范围，并引用官网FAQ支持。
- #3 @gcy 一笔$6k的还款触发了flag，怀疑因金额较大。
- #2 @davidx 表示自己一直用Marcus还款没问题，从未听说此限制。
- 用户考虑向CFPB投诉，但已计划更改信用卡还款方式。
2. 羊毛/优惠信息
无
3. 最新动态
- Marcus客服近期向@ gcy明确表态账户不可用于信用卡autopay，与以往用户经验（如Bogleheads论坛）相悖。
4. 争议或不同意见
- @gcy 认为客服解释过度，条款g仅禁止使用第三方卡注册，而非标准ACH pull；Gemini回答也支持此观点。
- @davidx 表示自己多年使用Marcus还款正常，质疑客服说法。
- 网上有多人使用Marcus还信用卡的成功案例（如Bogleheads帖子）。
5. 行动建议
- 若有大额还款（如$6k以上），提前准备其他银行账户作为备用还款方式，避免账户被flag。
- 可尝试联系Marcus客服进一步澄清，或要求书面解释条款依据。
- 若坚持使用Marcus，可考虑CFPB投诉以推动官方明确政策。
收到客服电话，核实Amex autopay是否由我发起，我确认了。接着让我验证linked的银行账户（3rd party verification），搞半天结果发现接到了错误的银行，搞了40分钟终于办好了。 结果过两小时后又收到一个电话，这次还问我autopay的事，接着又让我验证Linked的另一个银行，我说那每连一个银行都要这么搞一下吗，删掉是不是就不用验证了，客服说也行吧。接着又说autopay的事，后来说这次是exception，以后只能和验证过的银行ach transfer，我说你确定吗他说是这样，否则你的账户会被flag。我让他转接到了savings，然后也和我说不能用于autopay，我说你们官网FAQ上写的可以从外面的银行transfer (见https://www.marcus.com/us/en/faqs#withdrawals #2 ACH Transfer Initiated by an External Bank or Through a Third Party : You may withdraw funds from your Marcus deposit account by having an external bank (directly or through a third party) initiate an ACH Transfer from your Marcus deposit account. 他继续复读，我说那可以看 https://www.marcus.com/content/dam/marcus/us/en/pdfs/Marcus_Deposit_Account_Agreement.pdf 告诉我哪一条规定了，他跟我说g g. Restrictions on Withdrawal Methods—You are not permitted to register your Account under a credit, debit, gift, or other type of card issued by a third party or another bank. You are not permitted to make withdrawals from your Account by creating a check issued by a third party and drawn on your Account. If you attempt to make any transactions through any of these payment methods, we will reject or return the transaction without notice to you and may consider such action to be a violation of this Agreement. 我其实看到这一条了，觉得用于autopay和register under credit card不是一回事（Gemini的回答附在最后面），但总之客服就说如果你继续这样做就是违反terms。 我也查过网上似乎很多人用Marcus还信用卡（比如这个https://www.bogleheads.org/forum/viewtopic.php?t=467843），想问大家有遇到这种情况吗？有点想CFPB走起了，不过感觉还是把信用卡还款方式改成别的银行比较保险… Gemini的回答 Does term g prevent me from auto pay? The short answer is no, that specific clause does not prevent you from using your Marcus account for credit card autopay, provided you set it up correctly. However, it is written in a way that sounds scary because it’s targeting very specific (and often risky) ways of moving money. Here is the breakdown of what that legalese actually means and why autopay is usually fine. Decoding the “Restrictions on Withdrawal Methods” This clause is designed to prevent you from treating your savings account like a checking account or a “funding source” for apps like Venmo, Cash App, or PayPal in a specific way. “Register under a credit/debit card”: This means you cannot link your Marcus account to a third-party debit card to spend money directly from it. For example, you can’t use a service that “wraps” your savings account into a plastic card you swipe at a grocery store. “Check issued by a third party”: Since Marcus doesn’t offer check-writing, they don’t want you using a “bill pay” service from a third-party company that prints a physical check with your Marcus account number on it. These often get flagged as fraudulent or unauthorized. Why Autopay Still Works (ACH Transfers) Standard credit card autopay (Chase, Amex, Capital One, etc.) uses a system called ACH Pull. When you go to your credit card’s website and enter your Marcus Routing Number and Account Number, you are authorizing an ACH transfer. This is not the same as “registering under a card.” Marcus views this as a standard electronic withdrawal, which is allowed.
还有银行账户不能用于信用卡还款的？？这么多年没听说过 我一直用Marcus还款 目前没问题
嗯我看网上大家都说Marcus可以，所以很疑惑。我最近有一笔$6k的还款，不知道是不是因为数额大，触发了flag…
我下个月有一笔一万多的 看来得提前变通一下