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 4, 2014, 5:31 pm
#2192
Join Date: Jul 2013
Posts: 321
Same with me. Was blocked last month. after submitting docs, was unlocked. I continued with frequent loading and unloading. Now I am shut down. Waiting for refund checks. They it is going to be 3-4 weeks for the checks.
Jan 4, 2014, 5:39 pm
#2193
Join Date: Oct 2008
Location: @konorth MI
Programs: UA 1K, DL Dia.,AA Plat, Hilton Dia,Bonvoy T
Posts: 317
Similar issue. Account over yr. old. I took it easy, 2-8k month on 1 card. Always leaving a balance of $5oo-$15oo month. yesterday tried to load VR and told I can no longer add to card. Talked to CSR and she strongly suggested I use the balance as no more loading-she did state I didnt use it in a normal fashion.....WM, USPS, CA... yup, she was right.
I went to Chase and took CA for the balance $1559 + cents.....no problem draining it. I was actually happy I didn't have to jump through hoops to get my cash back.
I went to Chase and took CA for the balance $1559 + cents.....no problem draining it. I was actually happy I didn't have to jump through hoops to get my cash back.
Jan 4, 2014, 9:24 pm
#2195
Join Date: Sep 2012
Location: Western US
Programs: WN CP, WN A-List Preferred, AS MVPG 75k, SPG Gold, Hilton Gold, Hyatt Diamond
Posts: 554
I have a feeling my account just got nuked. I wonder if it's worth calling in and sending in info to get reactivated for <$1.00 haha.
Jan 5, 2014, 8:11 am
#2196
Join Date: Jul 2013
Posts: 321
Similar issue. Account over yr. old. I took it easy, 2-8k month on 1 card. Always leaving a balance of $5oo-$15oo month. yesterday tried to load VR and told I can no longer add to card. Talked to CSR and she strongly suggested I use the balance as no more loading-she did state I didnt use it in a normal fashion.....WM, USPS, CA... yup, she was right.
I went to Chase and took CA for the balance $1559 + cents.....no problem draining it. I was actually happy I didn't have to jump through hoops to get my cash back.
I went to Chase and took CA for the balance $1559 + cents.....no problem draining it. I was actually happy I didn't have to jump through hoops to get my cash back.
Jan 5, 2014, 8:38 am
#2197
Join Date: Oct 2009
Location: Land of the parrots and parrotheads
Programs: Several dozen
Posts: 4,820
Jan 5, 2014, 12:11 pm
#2198
Join Date: Apr 2002
Posts: 2,948
I've had this card for a little over two months. I used it the first month, nothing at all in December, and loaded $500 to it today. I verified that the load took place and the account was in good shape. I went to make a pin based purchase and was denied. I verified that the account was placed on hold, faxed in the docs, and am now in wait and see mode.
I inquired why my account was not placed on hold a month ago, rather than after I loaded funds to it today. Of course, I received no answer.
I inquired why my account was not placed on hold a month ago, rather than after I loaded funds to it today. Of course, I received no answer.
Jan 5, 2014, 12:17 pm
#2199
Join Date: May 2007
Posts: 112
I've had this card for a little over two months. I used it the first month, nothing at all in December, and loaded $500 to it today. I verified that the load took place and the account was in good shape. I went to make a pin based purchase and was denied. I verified that the account was placed on hold, faxed in the docs, and am now in wait and see mode.
I inquired why my account was not placed on hold a month ago, rather than after I loaded funds to it today. Of course, I received no answer.
I inquired why my account was not placed on hold a month ago, rather than after I loaded funds to it today. Of course, I received no answer.
Jan 5, 2014, 3:25 pm
#2202
Join Date: Aug 2011
Location: SFO/SJC
Programs: MR,UR, UA, BA, AA, Hotels
Posts: 581
No. This is the new spend down only mode. But feel free to try to load and if it works, report back.
Jan 5, 2014, 3:29 pm
#2203
Join Date: May 2010
Location: SoCal
Programs: SPG PLAT, AA Plat (2MM), BA, UA/CO
Posts: 442
Shut down
I believe Incomm should post a notice on the MVD site: "we reserve the right to deny our product to anyone who we cannot exploit financially."
Jan 5, 2014, 3:54 pm
#2204
Join Date: May 2005
Programs: UA Plat (1MM), AA Plat, HH Diamond, MR Plat, Hyatt Diamond, SPG Plat.
Posts: 655
Apology for being lazy here, wanting to find out without trekking down to my local Wmart.
Thanks.
Jan 5, 2014, 4:44 pm
#2205
Join Date: May 2013
Posts: 939
They seem to be shutting down anyone who loads large $$$. I bought a $500 MVD and activated it. And let it sit for a few days. Everything was good. I loaded $1500 over the next 3 days and on the 4th day the card was in inactive status. A brand new card...that has never been swiped.
Haven't tried loading it but I will to see if I can squeeze every last drop out of it.
I much prefer this shutdown method than the other one. One thing that occurred to me the other day was the fact that denying us access to our $$$ via PIN debit was actually against the law. These debit cards must allow customers to use a PIN for their transactions. I bet someone stuck it to them on this point coupled with the flood of complaints to the various agencies that were probably pouring in.
This new system is much better but results in a much quicker shutdown.
Front line CSRs are given the power to flip the switch back on.
It was smart of them to figure out a way to stop the load rather than stopping the spend. That effectively kills the card once the $$$ is gone.
New customers are getting clobbered by these new rules. Older customers (who still have their cards) aren't getting clobbered as quickly or as hard.
My brother and sister signed up for MVDs recently and all of their cards were shutdown within 2-3 load and spend cycles. 2 or 3! Fast and Furious shut downs. I honestly didn't know what to say to them... They didn't do anything wrong or out of the ordinary (for us)
Haven't tried loading it but I will to see if I can squeeze every last drop out of it.
I much prefer this shutdown method than the other one. One thing that occurred to me the other day was the fact that denying us access to our $$$ via PIN debit was actually against the law. These debit cards must allow customers to use a PIN for their transactions. I bet someone stuck it to them on this point coupled with the flood of complaints to the various agencies that were probably pouring in.
This new system is much better but results in a much quicker shutdown.
Front line CSRs are given the power to flip the switch back on.
It was smart of them to figure out a way to stop the load rather than stopping the spend. That effectively kills the card once the $$$ is gone.
New customers are getting clobbered by these new rules. Older customers (who still have their cards) aren't getting clobbered as quickly or as hard.
My brother and sister signed up for MVDs recently and all of their cards were shutdown within 2-3 load and spend cycles. 2 or 3! Fast and Furious shut downs. I honestly didn't know what to say to them... They didn't do anything wrong or out of the ordinary (for us)