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
May 6, 2013, 4:29 pm
#856
Join Date: Aug 2011
Posts: 1,689
May 6, 2013, 8:01 pm
#858
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,762
Might be just connection issue or user error (typo on the numbers for example.)
And what is the issue? It is better you cannot load as versus you can load but cannot cash out!
May 7, 2013, 11:38 am
#859
Join Date: May 2005
Location: DFW
Programs: AA Plat
Posts: 271
I also tried to load my "monitored" MVD after calling in and then cash advancing all the funds off my card. My card says "active" and I double checked my VR number. They must have updated their software to no longer allow loads during the 48 hour period.
May 7, 2013, 9:04 pm
#862
Join Date: May 2005
Location: DFW
Programs: AA Plat
Posts: 271
May 8, 2013, 3:10 am
#863
Join Date: Jan 2013
Location: DFW/DAL
Programs: AmEX Platinum, HYATT - Diamond, SPG - Gold, HILTON - Gold, IHG - Platinum,
Posts: 74
Does it mean that when they close your account, they just give you 48hrs to move money.. they no longer require you to fax in copy of ssn / ID and wait 1 month to be mailed a check.. ?
May 8, 2013, 7:44 am
#864
Suspended
Join Date: May 2010
Posts: 2,998
May 8, 2013, 8:52 am
#866
Join Date: May 2005
Location: DFW
Programs: AA Plat
Posts: 271
Then you can call in and they may require you to send in a copy of your driver's license and social security card or they may just reopen your account for 48 hours to allow you to empty your account.
May 8, 2013, 9:07 am
#867
Join Date: Jan 2013
Posts: 96
Partially answered above, but the limit to get a CA at a bank is basically what you can put on the card. The limit to load is $2500, which is why people are doing $2500 CAs. I have been getting the $1.95 fee.
May 9, 2013, 10:14 pm
#870
Join Date: May 2013
Posts: 939
There is no theory....just a speculation, justification and the imagination. If -ve balance is the issue, is it so difficult to send email asking for it and issue a warning not to let the balance go below zero? seems to me hitting the 'Panic' button, and more like shoot to kill.
Seeing how CA are charged a fee amount no other transaction is being charged its pretty clear they are aware of (or can very easily figure out) what certain certain customers and groups are doing. Plus when you have the bloggs giving them a virtual walk-thru of the churn no one should be surprised or wonder why the sky is falling.