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-   -   My Vanilla debit (https://www.flyertalk.com/forum/manufactured-spending/1422892-my-vanilla-debit.html)

tigerhunt2011 Feb 26, 2014 12:25 am


Originally Posted by Hofu (Post 22418215)
Data Point: I have 3 MVD's to liquidate: $8K on inactive, $5K on inactive & $1.5K active. Went to USPS & did $2.5K on each inactive & $1K on active & got out $6K. Very, very happy to perform MO! I'll empty 'em by end of week. Does "Inactive" = Spend Down? Does Spend Down mean everything possible but CA? Let's help each other out. I wanna desperately finish these 3 Citi 100K $10K spend cards! (I'm on the fence if I should cancel my card or spend the $450-$200=$250 fee for the 100K AA points....hmmmm?

When you say inactive do you mean just the temp cards without activating online? Trying to figure out how to liquidate these and being ignored on here...

wcj Feb 26, 2014 4:32 am

How to spend down/cash out a prepaid debit card? Hmmmmmm.....let me count the ways..... I love this method, I love it not, lol......Pick one, check the fees(which dictates the method to this cheap butt) then execute. Surely in 18 months, you have learned at least one method. You know, must trust yourself/have confidence. Now, get crackin!

36902BRF Feb 26, 2014 5:20 am


Originally Posted by healthnut (Post 22417275)
Just get another and start again!! :)

And this time don't worry about the legitimate expenses, cause you may just get shutdown regardless, but you can still liquidate via spend down status.

Yeah agreed. I thought if it did a few transactions and kept to about $2500 a month I'd stay below the radar for a couple months, I guess not. That said I was just buying MOs and at the end of the day I am not sure MVD offers much over just using giftcards other than it has a name on it if the cashier gets fussy. I haven't had problems on that (except once for a BB load) so I my just stick to VCG for the MO side of things.

healthnut Feb 26, 2014 5:26 am


Originally Posted by tigerhunt2011 (Post 22414444)
Looked a lot of places online and can't find an answer. Can you unload a TEMPORARY MVD to MO at WM kiosks using 0000 pin?

You need to set a pin, but you can do it. I personally am not allowed at the grocery stores I go to for MO because they require a name on the card, but YMMV.

Just call in or wait until you get your permanent card.

36902BRF Feb 26, 2014 5:30 am


Originally Posted by jan_believes (Post 22418238)
So, MVD didn't "like" what you did?? What exactly was there not to "like"?

I just loaded $1k on today and have $500 for tomorrow to put in. I've bought two MOs; what is their deal? :td:

I may figure out a way to spend out to the penny if this is what I have to look forward to....thanks for sharing. :)

I am guessing they saw a pattern that indicated that I would like be at the very least unprofitable to them. Given what I have read here I seem to be on the low side for closure so perhaps newer cards have great scrutiny applied. I don't know it is all conjecture. I am still able to access the webiste (how I saw I was in spend down mode) and because of my "random" purchases still have about $150 or so on the card but from what I have read I should be able to just spend it away which I will confirm today so I don't know that I'd worry about spending to the penny (at least until you are in spend down mode).

36902BRF Feb 26, 2014 5:32 am


Originally Posted by Hofu (Post 22418215)
Does "Inactive" = Spend Down? Does Spend Down mean everything possible but CA?

I don't know what inactive means but the website clearly shows my status on the one card I have as "spend down" not inactive. Don't know about CA because I never did those.

Hofu Feb 26, 2014 7:40 am


Originally Posted by tigerhunt2011 (Post 22418615)
When you say inactive do you mean just the temp cards without activating online? Trying to figure out how to liquidate these and being ignored on here...

Yes, all 3 cards are the temp cards. I never activated the perm cards as that has names of wife/Mom. USPS uses only PIN for MO so easy for me to juggle all the cards there. Once I get down to only a few $ I'll buy gasoline for more than the card & split the cost between MVD & something else so I can consume 100% of it.

lkar Feb 26, 2014 10:43 am

Me and the wife both in spend down today! I feel like I finally have arrived. Right of passage.

Hofu Feb 26, 2014 10:47 am


Originally Posted by lkar (Post 22421593)
Me and the wife both in spend down today! I feel like I finally have arrived. Right of passage.

When you log onto MVD does it say "Spend Down" as status?
Mine says "Inactive"

lkar Feb 26, 2014 10:48 am


Originally Posted by Hofu (Post 22421633)
When you log onto MVD does it say "Spend Down" as status?

Yes.

tigerhunt2011 Feb 26, 2014 11:28 am

Okay I really need someone's help here.

Can you--through Money Orders OR Cash Advance--liquidate a My Vanilla Debit Visa card that is NOT registered with a social security number?

I only ask because I've accidentally purchased more cards than I have family to register them to.

Please direct message me, as I'm in dire need of assistance. Any help is greatly appreciated. Thank you!

mustang281man Feb 26, 2014 11:37 am

Must be something in the air. My card had been working fine and I even bought a coffee with it this morning. Just checked my account and it says "spend down"

oohaahouch Feb 26, 2014 11:38 am


Originally Posted by mustang281man (Post 22422016)
Must be something in the air. My card had been working fine and I even bought a coffee with it this morning. Just checked my account and it says "spend down"

Coffee :confused:
you paid fee for that :td:

healthnut Feb 26, 2014 11:46 am


Originally Posted by tigerhunt2011 (Post 22421940)
Okay I really need someone's help here.

Can you--through Money Orders OR Cash Advance--liquidate a My Vanilla Debit Visa card that is NOT registered with a social security number?

I only ask because I've accidentally purchased more cards than I have family to register them to.

Please direct message me, as I'm in dire need of assistance. Any help is greatly appreciated. Thank you!

Yes you can! Your bank will probably question it though since it doesn't have your name on it. I'd probably MO it or get the money out via ATM if necessary.

3ZeroT Feb 26, 2014 11:57 am


Originally Posted by healthnut (Post 22422104)
Yes you can! Your bank will probably question it though since it doesn't have your name on it. I'd probably MO it or get the money out via ATM if necessary.

What method do you use to set the PIN first (without registration)?


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