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 13, 2014, 3:49 pm
#2326
Join Date: Jan 2010
Posts: 1,708
I don't know. It was active yesterday and I was going to login and check the balance before I went to the store just now, could not login due to "Invalid username/ password"
Jan 13, 2014, 3:55 pm
#2327
Join Date: Jan 2011
Posts: 249
That usually means your card is frozen (might need to fax in documents etc.) and can't be spent. If you can get a balance when you call in (but can't login) then it usually means spend down mode.
Jan 13, 2014, 4:09 pm
#2328
Join Date: Jan 2010
Posts: 1,708
If you have questions about your MyVanilla Card or account or need to report a lost or stolen Card, please contact a Customer Care representative at 1-855-686-9513.
Is there another number?
EDIT: Number is working now. They are having system problems. I am now able to login and my card is active. Daride, try to login again, hope it works for you too.
Last edited by ddallas; Jan 13, 2014 at 4:47 pm
Jan 13, 2014, 4:53 pm
#2329
Join Date: Feb 2012
Location: Los Angles
Posts: 2,101
Jan 13, 2014, 4:55 pm
#2330
Join Date: Sep 2013
Posts: 50
When I dial the customer service number I get "that was an invalid extension" and it disconnects.
If you have questions about your MyVanilla Card or account or need to report a lost or stolen Card, please contact a Customer Care representative at 1-855-686-9513.
Is there another number?
EDIT: Number is working now. They are having system problems. I am now able to login and my card is active. Daride, try to login again, hope it works for you too.
If you have questions about your MyVanilla Card or account or need to report a lost or stolen Card, please contact a Customer Care representative at 1-855-686-9513.
Is there another number?
EDIT: Number is working now. They are having system problems. I am now able to login and my card is active. Daride, try to login again, hope it works for you too.
Jan 14, 2014, 7:37 am
#2331
Join Date: Apr 2012
Posts: 198
5 mvd accounts
With my first 2 accounts placed in "spend down" mode, I decided to go ahead and open a third account. But when I did so, I received an error message saying that my information could not be verified. So I re-filled the form and clicked again. Same error message. So once again I re-filled the form and clicked. Same error message.
Yesterday, to my complete surprise, 3 new MVD cards arrived in the mail! I just successfully activated all of them.
I think the day after I tried and failed three times, I went back to the site and tried again, so it will be interesting to see if even more cards arrive.
I'm just going to assume that each of these new cards will get shut down after one CA/MO, so I'm just going to load right up to $9,999 and the CA the whole thing.
Yesterday, to my complete surprise, 3 new MVD cards arrived in the mail! I just successfully activated all of them.
I think the day after I tried and failed three times, I went back to the site and tried again, so it will be interesting to see if even more cards arrive.
I'm just going to assume that each of these new cards will get shut down after one CA/MO, so I'm just going to load right up to $9,999 and the CA the whole thing.
Jan 14, 2014, 9:02 am
#2332
Join Date: Jun 2012
Posts: 140
With my first 2 accounts placed in "spend down" mode, I decided to go ahead and open a third account. But when I did so, I received an error message saying that my information could not be verified. So I re-filled the form and clicked again. Same error message. So once again I re-filled the form and clicked. Same error message.
Yesterday, to my complete surprise, 3 new MVD cards arrived in the mail! I just successfully activated all of them.
I think the day after I tried and failed three times, I went back to the site and tried again, so it will be interesting to see if even more cards arrive.
I'm just going to assume that each of these new cards will get shut down after one CA/MO, so I'm just going to load right up to $9,999 and the CA the whole thing.
Yesterday, to my complete surprise, 3 new MVD cards arrived in the mail! I just successfully activated all of them.
I think the day after I tried and failed three times, I went back to the site and tried again, so it will be interesting to see if even more cards arrive.
I'm just going to assume that each of these new cards will get shut down after one CA/MO, so I'm just going to load right up to $9,999 and the CA the whole thing.
Jan 14, 2014, 9:30 am
#2333
Join Date: Feb 2012
Location: Los Angles
Posts: 2,101
With my first 2 accounts placed in "spend down" mode, I decided to go ahead and open a third account. But when I did so, I received an error message saying that my information could not be verified. So I re-filled the form and clicked again. Same error message. So once again I re-filled the form and clicked. Same error message.
Yesterday, to my complete surprise, 3 new MVD cards arrived in the mail! I just successfully activated all of them.
I think the day after I tried and failed three times, I went back to the site and tried again, so it will be interesting to see if even more cards arrive.
I'm just going to assume that each of these new cards will get shut down after one CA/MO, so I'm just going to load right up to $9,999 and the CA the whole thing.
Yesterday, to my complete surprise, 3 new MVD cards arrived in the mail! I just successfully activated all of them.
I think the day after I tried and failed three times, I went back to the site and tried again, so it will be interesting to see if even more cards arrive.
I'm just going to assume that each of these new cards will get shut down after one CA/MO, so I'm just going to load right up to $9,999 and the CA the whole thing.
Jan 14, 2014, 9:57 am
#2334
Join Date: May 2000
Location: I see palm trees....
Posts: 414
Well, my two cards are liquidated with only a few cents left on each.
Don't they charge you $10 or something to officially close the account?
I don't think just throwing them in the sock drawer or shredding them is an option as the account would remain open.
Don't they charge you $10 or something to officially close the account?
I don't think just throwing them in the sock drawer or shredding them is an option as the account would remain open.
Jan 14, 2014, 10:49 am
#2335
Join Date: Sep 2013
Posts: 50
Just called MVD, card #1 is now in spend down mode and they said it will be cancelled automatically once I use up the remaining balance. They said the red flag was because of the large sums of money being loaded to the card. I am going to try load $1k a day to the other 2 cards and see what happens.
Jan 14, 2014, 10:55 am
#2336
Join Date: Aug 2011
Location: SFO/SJC
Programs: MR,UR, UA, BA, AA, Hotels
Posts: 581
Had the same error on trying after my 3rd was closed. Wonder if I'll be receiving a card in the mail too.
With my first 2 accounts placed in "spend down" mode, I decided to go ahead and open a third account. But when I did so, I received an error message saying that my information could not be verified. So I re-filled the form and clicked again. Same error message. So once again I re-filled the form and clicked. Same error message.
Yesterday, to my complete surprise, 3 new MVD cards arrived in the mail! I just successfully activated all of them.
Yesterday, to my complete surprise, 3 new MVD cards arrived in the mail! I just successfully activated all of them.
Jan 14, 2014, 11:06 am
#2337
Join Date: Jun 2012
Posts: 140
I got one of my cards put into spend down mode. CSR was pretty unhelpful. I asked them if it was possible to get a check and the sad NO. And if you loose the temp card (didn't send a permanent card before shutdown) you lose all your money. Total BS as a letter to their 'compliance dept' will sort that out but I'd like to get options on how best to proceed. Cash advancing a temp card is a no good as fraud is big concern with banks in my neck of the woods.
First time I've had to deal with buffoonery like this. If anyone have and ideas please let me know (PM if need be).
TIA
First time I've had to deal with buffoonery like this. If anyone have and ideas please let me know (PM if need be).
TIA
Jan 14, 2014, 11:12 am
#2338
Join Date: Jun 2011
Location: SFO
Programs: Hilton-Gold
Posts: 706
My card which was active is again in a spend down mode. 2 weeks back, I called and spoke to a rep who put my card back in active mode. I have 2500 loaded on it and will do a BP or CA it. I will try to load more and see if it works.
Jan 14, 2014, 11:13 am
#2339
Join Date: Sep 2013
Posts: 50
Jan 14, 2014, 12:02 pm
#2340
Join Date: Apr 2012
Posts: 198