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 16, 2013, 2:16 pm
#751
Join Date: Dec 2003
Location: CA
Programs: BA, AA, United
Posts: 429
That's a record. I do not think anyone has been shutdown after their first load. Did you buy a MVD temp card, registered online and then try to CA it? or you got the MVD permanent card, loaded with VR and then got shutdown?
Do you have any other prepaid cards from Bancorp?
Do you have any other prepaid cards from Bancorp?
Apr 16, 2013, 2:18 pm
#752
Suspended
Join Date: May 2010
Posts: 2,998
But if you still can't get in, yeah, you've likely been .... down
Apr 16, 2013, 3:12 pm
#754
Join Date: Mar 2013
Posts: 91
I have 1 other registered (i.e. got in the mail w/ name on it and everything) MVD that I got about 4 or 5 months ago and haven't used since. Bought the 2nd MVD yesterday because the CVS had no VRs, just the full cards, so I took the fees and got that. Then like I said...registered online and set up the PIN, withdrew $300 yesterday (limit), and then $180 today, and couldn't log in. Was going to get another VR from CVS since I found a bunch and cleared the charges with Chase, but nervous now because of this. Might do a gift card sell on plasticjungle or something for the rest of the spend on my card (around $480).
Thoughts?
Thoughts?
Apr 16, 2013, 3:42 pm
#755
Join Date: Oct 2012
Posts: 970
Account status = "monitored"?
Anyone seen that before? Just did a load then CA a few minutes later (CVS across the street from my bank). Checked just before the CA and status was "active". Just reloaded a few VRs and now "monitored".
Seems like my days are numbered. Too bad, I'm going on vacation for a couple of weeks and the activity would have zeroed for a while.
Anyone seen that before? Just did a load then CA a few minutes later (CVS across the street from my bank). Checked just before the CA and status was "active". Just reloaded a few VRs and now "monitored".
Seems like my days are numbered. Too bad, I'm going on vacation for a couple of weeks and the activity would have zeroed for a while.
Apr 16, 2013, 11:11 pm
#757
FlyerTalk Evangelist
Join Date: Mar 2000
Posts: 17,419
As I believe somebody previously reported, MVD seems to now be taking $1.95 for cash advances. The history on this was that they charged 50 cents, and then didn't charge anything for several months.
Is the $1.95 spelled out somewhere, or is this a random, mysterious fee?
Is the $1.95 spelled out somewhere, or is this a random, mysterious fee?
Apr 17, 2013, 6:28 am
#758
Join Date: May 2010
Location: BNA
Programs: No preference
Posts: 1,176
Apr 17, 2013, 8:52 am
#759
FlyerTalk Evangelist
Join Date: Mar 2000
Posts: 17,419
I think we'd all be happy to continue to pay it, if they would only let us.
Apr 17, 2013, 9:20 am
#760
Suspended
Join Date: Jun 2011
Posts: 639
Apr 17, 2013, 9:31 am
#761
Join Date: Dec 2012
Posts: 190
To follow up on that - I went to a different WM and had no problem using the card. When I went back to the original WM to use my card, it was declined. I then tried a different MVD which I haven't used at that WM before and transaction went through fine. This clearly shows that WM banned my first MVD for a stupid reason of simply being suspicious about my activity with it. Anything I could/should do or just let it go so they don't contact other WMs in the area not to sell me MOs anymore?
Apr 17, 2013, 9:34 am
#762
Suspended
Join Date: May 2010
Posts: 2,998
To follow up on that - I went to a different WM and had no problem using the card. When I went back to the original WM to use my card, it was declined. I then tried a different MVD which I haven't used at that WM before and transaction went through fine. This clearly shows that WM banned my first MVD for a stupid reason of simply being suspicious about my activity with it. Anything I could/should do or just let it go so they don't contact other WMs in the area not to sell me MOs anymore?
Apr 17, 2013, 9:47 am
#764
Suspended
Join Date: May 2010
Posts: 2,998
Apr 18, 2013, 7:47 am
#765
Suspended
Join Date: Jun 2011
Posts: 639