this is a very roundabout way of loading up your Bluebird account, but here goes.

i've only done half of this transaction but don't expect much hiccup on the other half.

requirements:

Paypal account
Paypal debit card
Bluebird account

Scheme:

CVS #1 - did not take credit card for Vanilla reloads. Did not try Paypal reloads.
CVS #2 - Success in buying Paypal reload with CC. They did not have Vanilla reloads for me to try.
CVS #3 - Same story as CVS #2

Paypal reload has a $3.95 fee, same as Vanilla reload. Did not try Moneypak reload since that carries a $4.95 fee and some report not available for CC purchases.

After purchase, you load the card on to your Paypal account ($500 limit/day, $4000/month). I will test tonight to see if it is per 24 hrs or per calendar day. EDIT: Tested and it is $500 limit per calendar day.

Obtain a Paypal debit card (yes, you will have to give up your SSN to Paypal). Hopefully get "approved" for the card (do not know if there is a hard or soft pull, but Paypal claims if will not effect your credit score). Take your debit card and load your BB account.

I am only doing this to meet minimum spend requirements and until I can try CC purchases of Vanilla reloads at these CVS's.

So this scheme involves the same amount of fees as VR, but does require a middle man that may or may not be happy this is taking place. Only time will tell.