Old Mar 3, 2014, 9:28 am
FlyerTalk Forums Expert How-Tos and Guides
Last edit by: uncommonsensical
My Vanilla Personal Reloadable Prepaid Debit Visa card
https://www.myvanilladebitcard.com

FAQs: https://www.myvanilladebitcard.com/myvanilla/faq.html
T&C: https://www.myvanilladebitcard.com/m...Policy_ENG.pdf
Fees: https://www.myvanilladebitcard.com/m...RhFOmbp3hiKogJ

There isn't a bill pay function with MVD.

How do I load funds onto MVD? There are two primary ways to load funds onto your MyVanilla Card: 1) Direct Deposit (direct deposit all or part of your paycheck, social security, even your tax return refund right onto your MyVanilla Card); 2) At any Vanilla Reload Network retailer; just bring your Card and the amount you want to load onto your Card - Note: This can be either purchasing a Vanilla Reload card or possibly using a retailer with loading function on the cash register such as CVS. $3.95 fee applies to both methods.

CVS Credit Card Load Data Points:
Credit Cards used treated as a purchase:
FIA Fidelity Amex

Credit Cards used treated as a cash advance:
??

What is the load limit? You can load a maximum of $500.00 per day onto your Card, and there is a $2,500.00 total maximum deposit limit per day from all deposit sources (loads and ACH direct deposits). The daily ATM withdrawal limit is $400.00. The daily Cash Advance or "Over the Counter" limit at a bank is reported as $2,500.00/day. Some reports that this is actually / month. Maximum loaded amount on MVD card is $9,999.

If you can find Vanilla Reload cards that you can purchase with a credit card, max out by getting up to 3 registered MyVanilla Debit cards and you can load up to $2500 x 3 per day. And if you have a bank near you that will give you cash advances, you can take the full balance off each card for a $1.95 cent fee.
If you do not have Vanilla Reloads available near you, you want to find a bank that will allow you to cash out temporary cards. These are the ones you buy at CVS for $500 plus $3.95 fee and then cash them out en masse for a 50 cash advance fee apiece.
In Essence
Get new cards, spend some random amount and then get put in shutdown mode to spend off what is left, unless you utilize one old weird trick that prevents shutdown mode.

Liquidating a shut down account as of 3.31.2014
Various reports, and I can also confirm- If you receive the "invalid username or password" message when trying to access your account online, that's the indicator that you have been shut down. Check again for a day or so (just to make sure it wasn't an issue with their website). If still unable to access- you've been shut down.

If you don't want to call and talk to them, you can confirm yourself whether your account is still alive to liquidate by calling 855.686.9513. If you are able to hear your balance, you can liquidate- and you can liquidate quickly without any problem. I liquidated $8,200 over the weekend: 5k Saturday, the remainder Sunday (Walmart BillPay and MO).
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My Vanilla debit

Old Jan 15, 2014, 9:23 pm
  #2371  
 
Join Date: Jul 2010
Location: Midwest
Programs: AA LT Gold 1MM ,Hyatt Explorist,Marriott Platinum,HHonors Diamond
Posts: 364
Spend down club !

Finally!.....My first and only MVD was admitted to the spend down club.....after loading $1-$2k a month then unloading via MO same or next day,did this for most of last year....talked to a supervisor for a clarification and was told due to load/unload activity per the "compliance department" and ...wait for it .....VISA regulations prohibit this kind of activity (BS meter alert!)...
OHijAAzi73 is offline  
Old Jan 16, 2014, 12:31 pm
  #2372  
 
Join Date: Aug 2013
Posts: 164
I've been following this threat for a while now, and I've watched in horror as the hammer came crashing down on so many of us.

What is peculiar, though, is that I haven't been shut down at all. My wife was, but I wasn't.

I have 3 MVD. I used to load $2500 at a time on one or two of them when I was buying 10 VRs daily. I would wait until I had > $3000 on a card and then CA it at one of two banks or my CU. Each card was probably CAed every week at my peak and every 3-4 weeks otherwise. Largest CA has been $5000.00. No cards have been put in spend down. I'm still going strong. I don't know what my secret is. The only thing I do occasionally is throw them an ATM fee. Once in a while I'll pull out $400, generally at a casino lol.

So, I'm at a cross-roads. I need MVD as a tool for my 50-80k/month spend, but I'm also interested in trying a different strategy with each of my three cards to see if we can determine different "factors" that actively contribute to their decisions.

Also, I've had these cards since around June/July 2013 ... so I'm relatively new, but these aren't one month cards. Also, I used them VERY lightly my first month because I had no need for them.
busymike is offline  
Old Jan 16, 2014, 12:48 pm
  #2373  
 
Join Date: Jun 2012
Posts: 140
Don't change your pattern!
brettskyg is offline  
Old Jan 16, 2014, 12:50 pm
  #2374  
 
Join Date: Jun 2012
Posts: 140
Whats are everyone's thoughts on this idea for MS:

Even if you can not get approval for a new perm MVD and make the reloads, we could just puchase MVD cards, and call it in knowing they will automatically convert into gift card/spenddown which they do allow the CA on. It does create the extra step of calling Incomm to request the spenddown status but it is a convenient way of generating more Spend!
brettskyg is offline  
Old Jan 16, 2014, 12:55 pm
  #2375  
 
Join Date: Feb 2013
Posts: 801
Seems expensive and time consuming compared to other methods.
WhateverDude is offline  
Old Jan 16, 2014, 1:02 pm
  #2376  
 
Join Date: Aug 2011
Location: SFO/SJC
Programs: MR,UR, UA, BA, AA, Hotels
Posts: 581
Same basic problem as before - need your name on the card for most CA.


Originally Posted by brettskyg
Whats are everyone's thoughts on this idea for MS:

Even if you can not get approval for a new perm MVD and make the reloads, we could just puchase MVD cards, and call it in knowing they will automatically convert into gift card/spenddown which they do allow the CA on. It does create the extra step of calling Incomm to request the spenddown status but it is a convenient way of generating more Spend!
rdover1 is offline  
Old Jan 16, 2014, 3:34 pm
  #2377  
 
Join Date: Feb 2012
Location: Los Angles
Posts: 2,101
Originally Posted by busymike
I've been following this threat for a while now, and I've watched in horror as the hammer came crashing down on so many of us.

What is peculiar, though, is that I haven't been shut down at all. My wife was, but I wasn't.

I have 3 MVD. I used to load $2500 at a time on one or two of them when I was buying 10 VRs daily. I would wait until I had > $3000 on a card and then CA it at one of two banks or my CU. Each card was probably CAed every week at my peak and every 3-4 weeks otherwise. Largest CA has been $5000.00. No cards have been put in spend down. I'm still going strong. I don't know what my secret is. The only thing I do occasionally is throw them an ATM fee. Once in a while I'll pull out $400, generally at a casino lol.

So, I'm at a cross-roads. I need MVD as a tool for my 50-80k/month spend, but I'm also interested in trying a different strategy with each of my three cards to see if we can determine different "factors" that actively contribute to their decisions.

Also, I've had these cards since around June/July 2013 ... so I'm relatively new, but these aren't one month cards. Also, I used them VERY lightly my first month because I had no need for them.
Those of U who has a strategy working and are not shut down, able to load and unload, do not write about how or what U do unless U want to be shut down .(Inncom spies are patrolling and reading your secrets here ) If U go back and read the posts of those bragging about how clever and smart they are and have a winning formula, all have been shut down, most have stopped coming here....keep your little secret, until later and tell us your story why and how U got shut down!
prasha11 is offline  
Old Jan 16, 2014, 4:44 pm
  #2378  
 
Join Date: Jan 2012
Location: Indianapolis, IN
Posts: 146
Wife and I both got shut down this week. On a monthly basis loaded each card with 5x$500=$2500 the first week of the month, let the money sit, and then CA out the last week of the month. Also had a small amount of direct deposit loaded twice a month. No other spend. Worked for a year. Can't blame them - they were actually very nice and polite on the phone - no runaround. Emptied what was left through CA a couple of days ago.

What we really need is a direct competitor to BlueBird with the exact same arrangement with VR to double our throughput.
ZontarTheThingFromVenus is offline  
Old Jan 16, 2014, 5:00 pm
  #2379  
 
Join Date: Feb 2012
Location: Los Angles
Posts: 2,101
Originally Posted by ZontarTheThingFromVenus
Wife and I both got shut down this week. On a monthly basis loaded each card with 5x$500=$2500 the first week of the month, let the money sit, and then CA out the last week of the month. Also had a small amount of direct deposit loaded twice a month. No other spend. Worked for a year. Can't blame them - they were actually very nice and polite on the phone - no runaround. Emptied what was left through CA a couple of days ago.

What we really need is a direct competitor to BlueBird with the exact same arrangement with VR to double our throughput.
^
I expect that! On total mvd shut down.

On the death of WF pp rose the mvd...
prasha11 is offline  
Old Jan 17, 2014, 1:24 pm
  #2380  
 
Join Date: May 2010
Location: SoCal
Programs: SPG PLAT, AA Plat (2MM), BA, UA/CO
Posts: 442
Having read every post and processed the data through IBM's Watson computer, I have determined the following rules for MVD: (1) there are no rules; (2) everyone using this for MS will eventually get shut down; (3) there are no rules; (4) there is nothing anyone can do to influence whether he or she is shutdown; (5) there are no rules; and, (6) ymwv.
xlax is offline  
Old Jan 17, 2014, 1:27 pm
  #2381  
 
Join Date: May 2010
Location: SoCal
Programs: SPG PLAT, AA Plat (2MM), BA, UA/CO
Posts: 442
Originally Posted by WhateverDude
Seems expensive and time consuming compared to other methods.
But what about the kids? Aren't they worth it?
xlax is offline  
Old Jan 17, 2014, 1:50 pm
  #2382  
 
Join Date: Feb 2012
Location: Los Angles
Posts: 2,101
Originally Posted by xlax
Having read every post and processed the data through IBM's Watson computer, I have determined the following rules for MVD: (1) there are no rules; (2) everyone using this for MS will eventually get shut down; (3) there are no rules; (4) there is nothing anyone can do to influence whether he or she is shutdown; (5) there are no rules; and, (6) ymwv.
Did U really had to read every post and process the data through IBM's Watson computer to determine there are no rules? or that the rules are major security issue and need high level clearance?
prasha11 is offline  
Old Jan 17, 2014, 9:33 pm
  #2383  
FlyerTalk Evangelist
 
Join Date: Mar 2004
Location: Under an ORD approach path
Programs: DL PM, MM. Coffee isn't a drug, it's a vitamin.
Posts: 12,935
Originally Posted by prasha11
Did U really had to read every post and process the data through IBM's Watson computer to determine there are no rules? or that the rules are major security issue and need high level clearance?
So you're saying that the TSA runs Vanilla?
Gargoyle is offline  
Old Jan 17, 2014, 9:58 pm
  #2384  
 
Join Date: Feb 2012
Location: Los Angles
Posts: 2,101
Originally Posted by Gargoyle
So you're saying that the TSA runs Vanilla?
Snowden would know.....
prasha11 is offline  
Old Jan 18, 2014, 11:22 am
  #2385  
 
Join Date: Sep 2005
Location: CVG
Programs: AAdvantage, Delta Skymiles, CapOne Venture, Citi ThankYou
Posts: 486
Two quick questions:

1. Is $3000 the max daily limit for debit transactions? That's what I'm reading in the T&C. I want to make sure there is no creative way to increase that.

2. I want to confirm you can have a total of three MVD under the same SSN and you obtain the second and third by buying the temp cards in the store.

I've had one MVD for a long time and just began using it. I want to ramp up my monthly churn. Thanks.
CVG_Kid is offline  

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