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
Feb 25, 2013, 11:46 am
#256
Join Date: Sep 2010
Location: Phoenix, AZ
Programs: Starwood, Delta, American Airlines, USA, United
Posts: 223
In this particular CVS (which just happens to be near my house) there are NEVER cards on the VR rack. Doesn't matter time of day nor day of week. I have only ever found them at that store in stacks hidden among the other cards. 
Of course, when I do, I take two and put the rest back on the proper rack. 
^
Never have a problem finding them at the CVS near my office, though, so this only becomes an issue on the weekends.
As I say, I think it's pretty unsporting.
Of course, when I do, I take two and put the rest back on the proper rack. ^Never have a problem finding them at the CVS near my office, though, so this only becomes an issue on the weekends.
As I say, I think it's pretty unsporting.
Feb 25, 2013, 3:04 pm
#257
Join Date: Nov 2010
Posts: 463
Definitely not worth fighting over at CVS. They seem pretty good about restocking them in the different CVS stores of South Florida. However, back when Office Depot had them. I remember seeing an OD employee restocking them and he had a big box of them. I would have loved to just buy that entire box right there!
Feb 25, 2013, 7:43 pm
#258
Join Date: Jan 2010
Posts: 1,708
The only time the store does not reorder automatically is when people hide the cards. Then the inventory system still thinks the rack is full so cards are not ordered.
Feb 26, 2013, 7:54 am
#262
Suspended
Join Date: Jun 2011
Posts: 639
Those of you with ready access find it unbelievable that others have little or none. We had to resort to other tactics and paths, kind of like those without water on the movie "Dune".
Feb 26, 2013, 7:58 am
#263
Join Date: Jul 2011
Location: DFW
Posts: 1,145
I've got one local store that used to have quite a few, but after i went through most of them, they haven't restocked in weeks. I've searched the rack a few times to make sure they weren't hidden, but given the amount of CVS's in the area, i can't imagine people would hide them here and not drive a mile or two down the road to find a bunch of them.
One place i've found has been happy to break up the purchases into $1k increments, so i don't have to just purchase $1k at each store...I ask them to break them up and no issues with it. And they are well stocked...can't wait for my third Amex GC to arrive this week and head there.
One place i've found has been happy to break up the purchases into $1k increments, so i don't have to just purchase $1k at each store...I ask them to break them up and no issues with it. And they are well stocked...can't wait for my third Amex GC to arrive this week and head there.
Feb 26, 2013, 9:49 am
#264
Join Date: Jun 2005
Location: Sweet Home Chicago
Programs: Hilton Gold, Marriott Gold
Posts: 646
Feb 27, 2013, 7:10 am
#265
Join Date: Dec 2008
Posts: 377
For those loading and draining their My Vanilla Debit, how much are you loading per month? I'm considering ordering additional MVDs (I have one), so I'm wondering if anyone is coming close to maxing out two or even three MVDs per month, as the card's terms permit?