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 6, 2014, 6:39 am
#2221
Join Date: Apr 2011
Programs: UA Gold, AA Gold, Hyatt Plat, SPG Gold, Marriott Plat, Hilton Gold, Hertz Pres Circle, etc etc
Posts: 382
Add me to Spend Down mode list on 1 of 3 cards.
Data points- Main differences between one that got SD and other 2 still active is balance is $4500 vs <$3000 and last load ($2.5k on each of 3 ) was 12/31 on SD vs before 12/23 on others.
Data points- Main differences between one that got SD and other 2 still active is balance is $4500 vs <$3000 and last load ($2.5k on each of 3 ) was 12/31 on SD vs before 12/23 on others.
Jan 6, 2014, 8:56 am
#2223
Join Date: Apr 2012
Posts: 198
Is it no longer possible to order a new MVD card online? I can't find the link on the website. It this just me, or has anyone else had this issue?
Was planning on signing up for my 3rd account today, before the shoe inevitably drops on my first two accounts.
Was planning on signing up for my 3rd account today, before the shoe inevitably drops on my first two accounts.
Jan 6, 2014, 9:33 am
#2225
Suspended
Join Date: Aug 2013
Posts: 267
you people jumping ship with multiple mvd cards, and unloading them all seperately. you might wanna consider transfering the balance on each of the cards to one card. there is no fee to do that. you can save a few clams that way, since buying multiple MOs or whatever costs lots of fees.
Jan 6, 2014, 9:37 am
#2226
Join Date: Apr 2012
Posts: 198
I wonder if MVD has put an end to multiple sign ups? At least for people who have been "flagged."
Jan 6, 2014, 11:33 am
#2227
Join Date: Feb 2013
Posts: 801
I found the link, though I think it took a few more clicks than usual. But, after filling out the application, it went to a screen that said that my identification information could not be verified online and that I would have to call in to apply. This did not happen on either of my previous 2 cards.
I wonder if MVD has put an end to multiple sign ups? At least for people who have been "flagged."
I wonder if MVD has put an end to multiple sign ups? At least for people who have been "flagged."
Jan 6, 2014, 11:54 am
#2228
Join Date: Apr 2012
Posts: 198
Well at least now I know I might as well stop trying. I suppose I could call in to try to get the third card. But I'll probably wait to get my "on hold" status resolved on Card1 before I do anything. I'm still waiting out my 24-72 "business hours." Will be happy to report back once/if I do call in.
Jan 6, 2014, 12:26 pm
#2229
Join Date: Feb 2013
Posts: 801
Well at least now I know I might as well stop trying. I suppose I could call in to try to get the third card. But I'll probably wait to get my "on hold" status resolved on Card1 before I do anything. I'm still waiting out my 24-72 "business hours." Will be happy to report back once/if I do call in.
Edit: Scratch that. Accts now in some unknown status. Debit transactions didn't work. Fax sent.
Last edited by WhateverDude; Jan 6, 2014 at 1:53 pm
Jan 6, 2014, 1:25 pm
#2230
Join Date: Jun 2013
Posts: 510
I didn't find any thread for OneVanilla so I was wondering if OneVanilla (not myVanilla) can be used like any other MetaBank or U.S. bank Visa card to get a money order from Walmart? I tried to set up a pin for it but it says whatever pin you use for the first time will be your pin.
Jan 6, 2014, 1:51 pm
#2231
Join Date: May 2005
Programs: UA Plat (1MM), AA Plat, HH Diamond, MR Plat, Hyatt Diamond, SPG Plat.
Posts: 655
I didn't find any thread for OneVanilla so I was wondering if OneVanilla (not myVanilla) can be used like any other MetaBank or U.S. bank Visa card to get a money order from Walmart? I tried to set up a pin for it but it says whatever pin you use for the first time will be your pin.
The fee is $4.95 vs $5.95 or up for the other variety of prepaid visa gcs.
Jan 6, 2014, 2:58 pm
#2232
Join Date: Feb 2012
Location: Los Angles
Posts: 2,101
Jan 6, 2014, 3:46 pm
#2234
Join Date: Oct 2012
Posts: 486
I got the MVD a couple of months ago and hadn't used it, partly because I was still ramping my spend up and partly because of this thread. Today I realized I'd bought one more VR than my BB can handle this month, so I did my first load. I'll do a MO tomorrow and probably not touch the card again.
Jan 6, 2014, 3:55 pm
#2235
Join Date: Oct 2004
Location: BZN
Programs: AA:LT Platinum DL:LT Gold UA:1P MAR:LT Titanium
Posts: 8,291
I had the same "invalid username or password" for a few days. Was able to load then unload majority of funds before complete shutdown. My 2 cents (worth a half a cent), RUN RUN RUN to walmart and cash out. You will get locked up at some point, waiting to drain = waiting for weeks for money once they do 'finally' shut you down.