Mar 3, 2014, 9:28 am
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).
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).
My Vanilla debit
Nov 20, 2013, 7:52 pm
#1622
Join Date: Apr 2013
Posts: 102
Call me a geek, but I read through the terms and conditions twice and see nothing about debit limits. The only thing I see is that you can have no more than $9,999 loaded to the card at any time and can load no more than $500 X 5 daily via VR's. Where are the debit limits coming from?
Nov 20, 2013, 11:15 pm
#1624
Join Date: Aug 2011
Location: SFO/SJC
Programs: MR,UR, UA, BA, AA, Hotels
Posts: 581
This was my 'last' MVD and I went in planning on being shutdown and wore it hard and put it away wet.
I've already run an extraordinary amount through it in a short period of time. If I truly get locked out and just get my loads back I'm still a lucky MS guy.
Nov 21, 2013, 12:24 am
#1625
Join Date: Jan 2013
Posts: 171
I am going on 2 weeks now since my account was made inactive. I keep calling and they keep telling me the compliance department will contact me within 72 hours. Still no call and the CSR claims they cannot contact the compliance department. All I did was load funds to the card.
Nov 21, 2013, 7:52 am
#1627
Join Date: Jul 2013
Posts: 321
I guess I am going to call in frequently too. It's been more than 3 biz days. still not access. i provided all the docs they asked for, but will call in frequently. I have almost $6k stuck in two cards.From what I read it could take up to 2 weeks to clear this all. I already filed a complaint with CPFB, but no response from them.
Nov 21, 2013, 9:11 am
#1628
Join Date: Aug 2004
Location: MGM
Programs: United Silver, PC Plat/Amb, HH Dmnd
Posts: 805
Nov 21, 2013, 9:16 am
#1629
Join Date: Feb 2012
Location: Los Angles
Posts: 2,101
I am going on 2 weeks now since my account was made inactive. I keep calling and they keep telling me the compliance department will contact me within 72 hours. Still no call and the CSR claims they cannot contact the compliance department. All I did was load funds to the card.
I guess I am going to call in frequently too. It's been more than 3 biz days. still not access. i provided all the docs they asked for, but will call in frequently. I have almost $6k stuck in two cards.From what I read it could take up to 2 weeks to clear this all. I already filed a complaint with CPFB, but no response from them.
I plan to pound it harder than .... damn, I can't think of a funny enough metaphor.
This was my 'last' MVD and I went in planning on being shutdown and wore it hard and put it away wet.
I've already run an extraordinary amount through it in a short period of time. If I truly get locked out and just get my loads back I'm still a lucky MS guy.
This was my 'last' MVD and I went in planning on being shutdown and wore it hard and put it away wet.
I've already run an extraordinary amount through it in a short period of time. If I truly get locked out and just get my loads back I'm still a lucky MS guy.
Sometimes I wonder is 'Manufactured Spending' a hobby or a reward game to pay for a vacation that one cannot afford!
Or has it turned into an addiction, obsession or desperation???
Last edited by prasha11; Nov 21, 2013 at 9:42 am
Nov 21, 2013, 10:05 am
#1630
Join Date: Apr 2002
Posts: 2,949
I had in interesting experience with my card last night, as the clerk ran up a $1,000 MO purchase, but the MO machine stopped working. She couldn't get it going, and told me that I wasn't charged becuase the MO didn't print. I begged to differ with her, as the receipt from the register showed the debit to my account. Accordingly, she then processed a refund. I need to keep an eye on the refund, as it will likely take a day or so to show up. I'll probably be charged the $.50 fee, but that's life.
Nov 21, 2013, 10:18 am
#1631
Join Date: Apr 2013
Posts: 417
Credit to MarathonMan for answering this question for all of us:
http://mileageupdate.com/vr-gc-roulette/
http://mileageupdate.com/vr-gc-roulette/
Nov 21, 2013, 11:59 am
#1632
Join Date: Nov 2012
Posts: 14
Trigger was a CA, btw. Weird how there was no issue with it when I was paying them the fees via ATM withdrawls.
Nov 21, 2013, 12:57 pm
#1634
Join Date: Mar 2009
Location: DCA
Programs: FB Gold Privilege
Posts: 413
Just logged in to a new surprise: "card status: blocked"
For some reason yesterday my password did not work, called in to reset it and was able to log back in. Now today I am blocked.
What sucks is that I loaded $2.5k and then logged in to see if they added correctly... sigh.
For some reason yesterday my password did not work, called in to reset it and was able to log back in. Now today I am blocked.
What sucks is that I loaded $2.5k and then logged in to see if they added correctly... sigh.
Nov 21, 2013, 1:25 pm
#1635
Join Date: Feb 2012
Location: Los Angles
Posts: 2,101
Next time U call, record it for the entertainment purposes. (no one listens for the quality purposes)
Last edited by prasha11; Nov 21, 2013 at 8:16 pm