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
Jan 24, 2013, 10:13 pm
#151
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,750
Ha ha you are pretty funny. On almost all your points.
Maybe you don't understand that if CVS magically made my MVD go $1000 in the hole, which potentially I could be responsible for, that every time you buy an mvd with a prepaid you might have nothing, or owe $1000.
If that is a panic attack, sorry, I think it is something very disturbing to those that scale mvd.
Maybe you don't understand that if CVS magically made my MVD go $1000 in the hole, which potentially I could be responsible for, that every time you buy an mvd with a prepaid you might have nothing, or owe $1000.
If that is a panic attack, sorry, I think it is something very disturbing to those that scale mvd.
When you get into the Prepaid, you are fully aware of the potential peril should things dont go the way expected / hoped for. Need to have the ability to float the funds in case there are some snags that takes time to sort out. Plain and simple.
The panic sets in because your web gets too big too fragile... if you only do what you can comfortably afford to...
Jan 24, 2013, 10:26 pm
#153
Suspended
Join Date: Jun 2011
Posts: 639
How so? MVD should be able to see how that happened and it has already told you why it is so.
When you get into the Prepaid, you are fully aware of the potential peril should things dont go the way expected / hoped for. Need to have the ability to float the funds in case there are some snags that takes time to sort out. Plain and simple.
The panic sets in because your web gets too big too fragile... if you only do what you can comfortably afford to...
When you get into the Prepaid, you are fully aware of the potential peril should things dont go the way expected / hoped for. Need to have the ability to float the funds in case there are some snags that takes time to sort out. Plain and simple.
The panic sets in because your web gets too big too fragile... if you only do what you can comfortably afford to...
Thanks for your concern though.
Jan 24, 2013, 10:29 pm
#154
Join Date: Feb 2009
Posts: 164
Well I try not to have a big balance on my BB. I basically load and spend most of it, trying to keep a few hundred after the mortgage, credit card bill etc...
I certainly participate in the OD/CVS transaction scheme, but I always feel like it can collapse and end at any time.
I certainly participate in the OD/CVS transaction scheme, but I always feel like it can collapse and end at any time.
Jan 24, 2013, 10:33 pm
#155
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,750
Didn't someone posted before some "bogus" VR cards missing 4 digits in the PIN and caused an alarm of "inside job"? Several posters also had similar issue, at least 2 such incidents happened with cards bought from same store.. Vanilla Reload fixed the problem which most likely was a defective batch that went out to the store than the speculation of "inside job" to steal money. It took a week or so but the issue was resolved, the original poster was kept whole of the money spent once Vanilla's investigation was complete.
I believe your case would be fixed in due course, too. Companies do not go out to steal your money, at least not the way you perceive. That is almost certain.
Jan 24, 2013, 10:39 pm
#156
Suspended
Join Date: Jun 2011
Posts: 639
There is no evidence companies steal your money. MVD does not steal your money, nor CVS. Something went wrong in the process of activating the card. That needs to be looked at and eventually get fixed.
Didn't someone posted before some "bogus" VR cards missing 4 digits in the PIN and caused an alarm of "inside job"? Several posters also had similar issue, at least 2 such incidents happened with cards bought from same store.. Vanilla Reload fixed the problem which most likely was a defective batch that went out to the store than the speculation of "inside job" to steal money. It took a week or so but the issue was resolved, the original poster was kept whole of the money spent once Vanilla's investigation was complete.
I believe your case would be fixed in due course, too. Companies do not go out to steal your money, at least not the way you perceive. That is almost certain.
Didn't someone posted before some "bogus" VR cards missing 4 digits in the PIN and caused an alarm of "inside job"? Several posters also had similar issue, at least 2 such incidents happened with cards bought from same store.. Vanilla Reload fixed the problem which most likely was a defective batch that went out to the store than the speculation of "inside job" to steal money. It took a week or so but the issue was resolved, the original poster was kept whole of the money spent once Vanilla's investigation was complete.
I believe your case would be fixed in due course, too. Companies do not go out to steal your money, at least not the way you perceive. That is almost certain.
Someone at CVS refunded my transaction 3 times.
They are either stealing or purposely effing me.
Last edited by philemer; Jan 25, 2013 at 1:24 am Reason: removed insult
Jan 24, 2013, 10:48 pm
#157
Join Date: Sep 2007
Location: Chicago
Programs: AA, BA, CX, DL, EK, F9, GA, HA, IB, JL, KE, LH, MH, NH, OS, PG, QR, RJ, SA, TG, UA, VN, WN, ZH
Posts: 927
I understand you're very frustrated with the current situation, but I think Happy has a point. You need to calm down a bit and don't jump to conclusions too quickly until you know all the facts/angles. Hopefully things will get resolved and you'll get your money back quickly. Please keep us posted. There are risks involving in this game after all.
Last edited by philemer; Jan 25, 2013 at 1:24 am
Jan 25, 2013, 12:06 am
#159
Join Date: Apr 2012
Posts: 1,184
When you get into the Prepaid, you are fully aware of the potential peril should things dont go the way expected / hoped for. Need to have the ability to float the funds in case there are some snags that takes time to sort out. Plain and simple.
The panic sets in because your web gets too big too fragile... if you only do what you can comfortably afford to...
The panic sets in because your web gets too big too fragile... if you only do what you can comfortably afford to...
Jan 25, 2013, 1:15 am
#160
Join Date: Dec 2010
Programs: SPG Plat, IHG Royal Ambassador, Hilton Gold, Hyatt Plat,Accor Plat, US Chairmans
Posts: 176
Interesting, I heard from a store manager at CVS that there were employees that somehow ripped off customers by refunding purchased giftcards/debitcards in the system and pocketing the cash. He insisted I keep my receipt for all transactions and to speak directly to him if I had problems with any purchases made from his store. I don't know exactly how they do it but sounds like you may have been a victim of one of these types of actions. Hope the best for you and please keep us posted on the outcome!
Jan 25, 2013, 10:36 am
#161
Suspended
Join Date: Jun 2011
Posts: 639
Update
Spoke to CVS cs this am.
Explained problem, rep completely understands situation.
"cannot access record, too soon from purchase date, turning over to research, 5-8 business days."
I said I wasn't very happy, she promises to call me back from Rhode Island as soon as she has an update.
Didn't want the Amex prepaid info, only the MVD card # etc.
Explained problem, rep completely understands situation.
"cannot access record, too soon from purchase date, turning over to research, 5-8 business days."
I said I wasn't very happy, she promises to call me back from Rhode Island as soon as she has an update.
Didn't want the Amex prepaid info, only the MVD card # etc.
Jan 25, 2013, 11:43 am
#162
Join Date: Aug 2010
Location: LAS, MPL
Programs: DL Platinum, 1 MM
Posts: 1,320
Interesting, I heard from a store manager at CVS that there were employees that somehow ripped off customers by refunding purchased giftcards/debitcards in the system and pocketing the cash. He insisted I keep my receipt for all transactions and to speak directly to him if I had problems with any purchases made from his store. I don't know exactly how they do it but sounds like you may have been a victim of one of these types of actions. Hope the best for you and please keep us posted on the outcome!
You could certainly have a situation like this here, although it is hard to tell.
Jan 25, 2013, 11:51 am
#163
Suspended
Join Date: Jun 2011
Posts: 639
Gift cards and pre-paids are one of the highest employee fraud items at retailers. A friend of mine used to work in loss prevention and has interesting stories to tell about gift cards that people paid real money for just to find out a few days later that there was no money on the card.
You could certainly have a situation like this here, although it is hard to tell.
You could certainly have a situation like this here, although it is hard to tell.
there's always another new twist to come in this game.
Jan 25, 2013, 12:11 pm
#165
Suspended
Join Date: Jun 2011
Posts: 639
Card was loaded correctly. Sometime after that, and apparently everyone is at risk, someone at CVS refunded my purchase against the MVD balance 3 times. So unless you are next door to a OD, CVS, and your bank you could be dinged at anytime between loading and unloading. Calling to verify funds only is accurate at that exact moment.
edit
and if you loaded additional funds on that temp card with VR all the money would be at risk
Last edited by member7777; Jan 25, 2013 at 12:30 pm