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 27, 2014, 8:04 am
#2463
Join Date: Feb 2013
Programs: All of them!
Posts: 322
I think there must be a large random element to the shutdown process and newer accounts are probably more likely to get whacked than older ones, because I have not been shut down yet and based on the reports it seems like I should have been by now. I have 3 cards that I use mainly to load 2k and unload 10 mins later with MO purchases (I vary the amounts slightly), and maybe a CA for $2498 once a month or so on each card right after loading 2.5k. I never mix in small transactions and never leave a balance of more than a dollar or two on the card more than 10 minutes unless the line is really long at WM (though I do make sure the balances stay positive). If I had to make a bunch of small purchases or give them float or whatever it wouldn't have been worth it to me to even use the card over GC, and that stuff doesn't seem to have helped anyway. I started out just doing MO and no CA on the belief that CA=shutdown, and did my first CA to drain a card when it was declined due to one of their new undisclosed limits on debit purchases. One thing that could possibly be a factor in my continued survival is that I never loaded more than 2.5k before cashing out. It seems like some shutdowns were triggered by a large load of funds to the card, and maybe they look for people with high balances or who add more VR cards on a day when their balance isn't running low. But people have been shut down for doing much less blatant MS than I'm still getting away with.
Jan 27, 2014, 8:38 am
#2464
Join Date: Sep 2012
Location: CVG, AMS, BKK
Programs: Delta Diamond, Hyatt Globalist, Marriott Titanium, Hilton Diamond.
Posts: 185
Is anyone else having trouble logging into their MVD account online? I've tried several times today and keep getting an 'invalid username/password" message. It allowed me to change my password but I'm still getting the same error message when trying to log in. Same for my wife's account - which she hasn't used in months. I use mine regularly.
Jan 27, 2014, 8:44 am
#2465
Join Date: Aug 2009
Location: RDU
Programs: A few
Posts: 5,499
Is anyone else having trouble logging into their MVD account online? I've tried several times today and keep getting an 'invalid username/password" message. It allowed me to change my password but I'm still getting the same error message when trying to log in. Same for my wife's account - which she hasn't used in months. I use mine regularly.
Jan 27, 2014, 9:16 am
#2466
Join Date: Sep 2005
Location: CVG
Programs: AAdvantage, Delta Skymiles, CapOne Venture, Citi ThankYou
Posts: 486
Is there a difference between spend down CAN log in and spend down CAN NOT log in?
I can log in and can see the status set to spend down. Hoping they just want docs.
I can log in and can see the status set to spend down. Hoping they just want docs.
Jan 27, 2014, 9:19 am
#2467
Join Date: Aug 2009
Location: RDU
Programs: A few
Posts: 5,499
Jan 27, 2014, 10:27 am
#2469
Join Date: Sep 2012
Location: CVG, AMS, BKK
Programs: Delta Diamond, Hyatt Globalist, Marriott Titanium, Hilton Diamond.
Posts: 185
You were right. That was quick too. I'd only been using this card for MS for 5-6 weeks. Interestingly, my wife's card was shut down and she had only used it for MS once, probably 3-4 months ago.
Can I buy a new MVD and start over again? Should I register it? If I don't register it, will I still be able to reload it?
Can I buy a new MVD and start over again? Should I register it? If I don't register it, will I still be able to reload it?
Jan 27, 2014, 10:52 am
#2470
Join Date: Mar 2007
Location: GA
Programs: SPG Gold
Posts: 186
You were right. That was quick too. I'd only been using this card for MS for 5-6 weeks. Interestingly, my wife's card was shut down and she had only used it for MS once, probably 3-4 months ago.
Can I buy a new MVD and start over again? Should I register it? If I don't register it, will I still be able to reload it?
Can I buy a new MVD and start over again? Should I register it? If I don't register it, will I still be able to reload it?
i'll be buying third one soon
Jan 27, 2014, 11:05 am
#2471
Join Date: Sep 2012
Location: CVG, AMS, BKK
Programs: Delta Diamond, Hyatt Globalist, Marriott Titanium, Hilton Diamond.
Posts: 185
Jan 27, 2014, 4:20 pm
#2474
Join Date: Feb 2009
Location: Toledo, Ohio
Programs: DL DM, Hyatt Globalist, SPG Gold, Marriott Plat (lifetime)
Posts: 302