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
Apr 2, 2014, 6:28 am
#3121
Join Date: Mar 2013
Location: PHL based
Programs: USAir, UA, AA, BA, Hyatt, HHonors, SPG, Marriott, IHG
Posts: 356
For the third time, can someone comment on why you would want to hassle with even getting permanent cards, versus setting a PIN on the store-bought cards, NOT registering them, and then Cash-Advancing them at a bank?
Seems quicker & easier. $500 load. 2 minute call to set the PIN. 3 minutes to cash out $498.
Is there a flaw to this logic, given availability of MVD purchase via CC?
Seems quicker & easier. $500 load. 2 minute call to set the PIN. 3 minutes to cash out $498.
Is there a flaw to this logic, given availability of MVD purchase via CC?
Apr 2, 2014, 6:28 am
#3122
Join Date: Sep 2013
Location: SNA/LAX
Posts: 1,407
For the third time, can someone comment on why you would want to hassle with even getting permanent cards, versus setting a PIN on the store-bought cards, NOT registering them, and then Cash-Advancing them at a bank?
Seems quicker & easier. $500 load. 2 minute call to set the PIN. 3 minutes to cash out $498.
Is there a flaw to this logic, given availability of MVD purchase via CC?
Seems quicker & easier. $500 load. 2 minute call to set the PIN. 3 minutes to cash out $498.
Is there a flaw to this logic, given availability of MVD purchase via CC?
I don't prefer to cash advance so that's not an option for me and $500 each transaction via ATM/MO is a hassle.
Personal preference.
Apr 2, 2014, 6:31 am
#3123
Join Date: Jul 2012
Location: PA
Posts: 126
For the third time, can someone comment on why you would want to hassle with even getting permanent cards, versus setting a PIN on the store-bought cards, NOT registering them, and then Cash-Advancing them at a bank?
Seems quicker & easier. $500 load. 2 minute call to set the PIN. 3 minutes to cash out $498.
Is there a flaw to this logic, given availability of MVD purchase via CC?
Seems quicker & easier. $500 load. 2 minute call to set the PIN. 3 minutes to cash out $498.
Is there a flaw to this logic, given availability of MVD purchase via CC?
Each MVD is (was with my main VR source going away) worth at least $5k to me before getting shut down.
That's $15k for 3 cards which can be more easily (for me) liquidated in larger amounts via billpay or other means. Compare that to 30 cash advances at the bank to get to the same amount on a temp card.
Apr 2, 2014, 6:43 am
#3124
Join Date: Dec 2013
Posts: 546
For the third time, can someone comment on why you would want to hassle with even getting permanent cards, versus setting a PIN on the store-bought cards, NOT registering them, and then Cash-Advancing them at a bank?
Seems quicker & easier. $500 load. 2 minute call to set the PIN. 3 minutes to cash out $498.
Is there a flaw to this logic, given availability of MVD purchase via CC?
Seems quicker & easier. $500 load. 2 minute call to set the PIN. 3 minutes to cash out $498.
Is there a flaw to this logic, given availability of MVD purchase via CC?
Apr 2, 2014, 1:01 pm
#3125
Join Date: Nov 2012
Posts: 108
I realize I'm late to this card (and have never done a MO), but can someone confirm that the way I'm thinking of liquidating this is correct? All I need to do is go to WM/Safeway (have to check if my local Safeway will take debit card for MO) and purchase the MO minus the fees (whatever they will charge for the MO + $0.5 MVD fees)? Does WM charge the fees per $1k MO, so if I do a $2k MO, it will be (whatever amount)*2? And also, can I pay the WM MO fees separately in cash, so that I can liquidate the maximum amount from the MVD?
Apologies if this has been answered specifically in the thread, I couldn't search for it, and I gave up at page 51.
Apr 2, 2014, 1:05 pm
#3126
Join Date: Sep 2013
Location: SNA/LAX
Posts: 1,407
Thanks! This morning it worked just fine.
I realize I'm late to this card (and have never done a MO), but can someone confirm that the way I'm thinking of liquidating this is correct? All I need to do is go to WM/Safeway (have to check if my local Safeway will take debit card for MO) and purchase the MO minus the fees (whatever they will charge for the MO + $0.5 MVD fees)? Does WM charge the fees per $1k MO, so if I do a $2k MO, it will be (whatever amount)*2? And also, can I pay the WM MO fees separately in cash, so that I can liquidate the maximum amount from the MVD?
Apologies if this has been answered specifically in the thread, I couldn't search for it, and I gave up at page 51.
I realize I'm late to this card (and have never done a MO), but can someone confirm that the way I'm thinking of liquidating this is correct? All I need to do is go to WM/Safeway (have to check if my local Safeway will take debit card for MO) and purchase the MO minus the fees (whatever they will charge for the MO + $0.5 MVD fees)? Does WM charge the fees per $1k MO, so if I do a $2k MO, it will be (whatever amount)*2? And also, can I pay the WM MO fees separately in cash, so that I can liquidate the maximum amount from the MVD?
Apologies if this has been answered specifically in the thread, I couldn't search for it, and I gave up at page 51.
Apr 2, 2014, 4:30 pm
#3128
Join Date: Apr 2010
Posts: 137
I'm also late in My Vanilla Debit card game. I was on my shopping spree to beat CVS deadline. Now I have 15k VRs at disposal. I will follow above strategy. Pardon me for asking this questions directly. Time is running too short to buy “My Vanilla card” using CC.
My questions are:
1. How many “My Vanilla card” one can hold at a given time?
2. Also “My Vanilla card” debit card cover says that balance will only be available after registration. Does this mean we need to register My Vanilla in order to use it for MO transaction?
3. In a day how many VRs can be loaded on “My Vanilla card”?
My questions are:
1. How many “My Vanilla card” one can hold at a given time?
2. Also “My Vanilla card” debit card cover says that balance will only be available after registration. Does this mean we need to register My Vanilla in order to use it for MO transaction?
3. In a day how many VRs can be loaded on “My Vanilla card”?
Apr 2, 2014, 4:35 pm
#3129
Join Date: Sep 2013
Location: SNA/LAX
Posts: 1,407
I'm also late in My Vanilla Debit card game. I was on my shopping spree to beat CVS deadline. Now I have 15k VRs at disposal. I will follow above strategy. Pardon me for asking this questions directly. Time is running too short to buy “My Vanilla card” using CC.
My questions are:
1. How many “My Vanilla card” one can hold at a given time?
2. Also “My Vanilla card” debit card cover says that balance will only be available after registration. Does this mean we need to register My Vanilla in order to use it for MO transaction?
3. In a day how many VRs can be loaded on “My Vanilla card”?
My questions are:
1. How many “My Vanilla card” one can hold at a given time?
2. Also “My Vanilla card” debit card cover says that balance will only be available after registration. Does this mean we need to register My Vanilla in order to use it for MO transaction?
3. In a day how many VRs can be loaded on “My Vanilla card”?
2. Yes, you need a pin to get a MO.
3. YMMV. Rules state 2, sometimes more.