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
Mar 23, 2013, 1:45 pm
#558
Join Date: Jun 2005
Location: DFW/DAL
Programs: AA 1MM Gold, Marriott Gold, Hilton Diamond, Hyatt Discoverist
Posts: 1,524
Mar 23, 2013, 1:46 pm
#559
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,059
Mar 23, 2013, 5:23 pm
#562
Join Date: Feb 2013
Programs: All of them!
Posts: 322
Was everyone who got shut down doing CAs or were people banned for buying MOs as well? I only got the card recently but I figured just doing MOs would be under the radar. Anyone got any data points to back this up? I'm ok so far but haven't done very much yet, I'll report back if and when my account is closed.
Mar 23, 2013, 8:24 pm
#566
Join Date: Feb 2011
Programs: DL DM Hub Captive, Marriott Plat, Hilton Diamond, PC Plat, and other stuff.
Posts: 904
I was planning on doing a ~$2500 CA this morning. After all the reports of shut downs, I've lately been trying to do at least 5 or 6 regular spend transactions before I do a CA, in an effort to make the optics look good.
However this morning, I was about to do my last "optics" regular spend when the card got declined. Ran it again, and got declined again. I figured the cardinals finally found me, and was p*ssed that they wait until you get a big load on the card before they shut you down, instead of shutting you down right AFTER a CA, when you've got your money back out.
Anyway, I get home and go to log on to verify my presumed "inactive" status, but I can't get the web site to load. So I went on with my day, and this afternoon and evening have been able to put 2 more regular spend transactions through. Still can't log on to the web site, though.
So....at least I'm not shut down. And these are my data points FWIW as well. Sounds like some other people had transactions declined today as well, but I guess they got that fixed. Funny how their priority is to FIRST fix the software to allow the spend and the associated fees, and then I guess later they'll get around to fixing the glitch that is preventing us from logging on to our accounts on the web.
However this morning, I was about to do my last "optics" regular spend when the card got declined. Ran it again, and got declined again. I figured the cardinals finally found me, and was p*ssed that they wait until you get a big load on the card before they shut you down, instead of shutting you down right AFTER a CA, when you've got your money back out.
Anyway, I get home and go to log on to verify my presumed "inactive" status, but I can't get the web site to load. So I went on with my day, and this afternoon and evening have been able to put 2 more regular spend transactions through. Still can't log on to the web site, though.
So....at least I'm not shut down. And these are my data points FWIW as well. Sounds like some other people had transactions declined today as well, but I guess they got that fixed. Funny how their priority is to FIRST fix the software to allow the spend and the associated fees, and then I guess later they'll get around to fixing the glitch that is preventing us from logging on to our accounts on the web.
Mar 23, 2013, 9:42 pm
#568
Join Date: Oct 2012
Posts: 177
I'm just glad that it doesn't really mean that my account was shut down!
Mar 24, 2013, 2:39 am
#570
Join Date: Feb 2013
Programs: All of them!
Posts: 322
Cash back might be okay, but they know you are getting it because they charge $1.95 instead of $0.50 transaction fee if you do, and the amount you can get per transaction is limited by the retailer so it's not a very good deal.
I think the best way to use this is to buy MOs, but even that may not be safe.