Are U talking about MVD? When your funds are locked down? faxing the documents repeatedly? trying to log in your account everyday for 2days/2weeks or calling 800 CS? feel like its a wonderful day when you see your account in spend down mode? cannot decide if CA is safe or MO? Now its shut down, so, U can apply for the 5th and the 6th card?
some here are so dedicated, may be are employed to promote it...

I understand. My point is for longterm sustainability the MS community will need to add creativity by converting today's CAs and self BPing to purchase transactions.

Yesterday's practices of risking accounts shutdown will run out of options.

Almost every MS activity has a risk attached, why the grunt against mvd?

Prasha, I must humbly agree.

I don't see any difference between MVD from any other debit card less the individual daily/monthly loading limits.

Perhaps you haven't found a way to work MVD effectively?

MVD is the only one that locks up the access to your own funds! lets U open a new account after they shut down? What kind of suspicious game is that?

No one has found a way....or when they don't like, change it.

Are you anti-mvd because of your prior experience?

Do you even understand what spend down mode is? Their practice of locking up account access has changed according to the latest data points. Even after loosing online access, you can still call in and get your balance via phone AND you can take your money out by swiping the card. You just can't load additional fund anymore. That's not holding onto your fund!

Like others said, I'm sorry you had bad experience with MVD, but you need to move on dude. Things are constantly changing in this game. If you can't keep up with it, then get out of the race, nobody is forcing you to run. But if others can make it work for them, then let them be. You're not helping aanybody by constantly repeating your outdated negative experience.

Sorry to burst in on this passionate discussion but I have a question, please.

I have $500 on the MVD loaded yesterday. I have another $500 VR to load.

If I load it to achieve $1k balance, what is the recommended cash advance amount I should ask for at a bank branch in person? I don't want problems with this too early as I am only in the OJT with this. Not sure I am going to like it anyway. Or should I just go ask for $400 and not load the extra VR yet?

Is $800 a safe amount to ask for if I load the VR? Thanks in advance! :)

load and do 1k ^
i am going for my todays 2.5k in an hour, could have saved gas if you were around :)

Just called MVD and got to know the new rule about cash advance is that you can only withdraw up to $2.5K per day and $6.5K per month. The CSR said it is due to MSers that such a rule is set. It is a new rule probably became active just in the past days.

Looking it positively, if this change can make MVD survives (read: die less quickly) from those big MSers (you should realize 99% of us are tiny MSers), it might not be a bad change.

ya, was advised the same yesterday 2.5/day 6.5/mo

====================
WN: SAT to PHX non stop! :D

OH, and what bank you use? Bank of Amigo? (just kiddin')

Thanks for the update.

I dont think so. Just loaded MVD.