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

theacolyte May 29, 2013 3:44 pm


Originally Posted by KYBOSH (Post 20826538)
I should buy a money order just now and my car came back as "insufficient funds". I then drove down the street to another store and try to do another transaction and it too was declined. I check my MVD account and it still says active with more than enough balance left on the card. I purchased money orders the other day with no problem. I'm not going to call but I fear that the 3 figure debit limit that someone mentioned a little while ago might have been placed on my card.
I haven't tested the credit or CA feature on this card yet…

Same here. Got approval error code 51 at walmart today for a $2k purchase. Card is sufficiently funded, (and code 51 is for insufficient funds.)
Sigh, I hate the waiting game...

lad2 May 29, 2013 3:59 pm


Originally Posted by rambo (Post 20832147)
Did you load MVD using a debit card (gift card with pin) from walmart? I checked MVD website and they only have 2 ways to load the card, VR and direct deposit.

I run out 5K BB limit within the first week of the month and this could be interesting.

Yes. I tried it once using the moneycenter ATM couple weeks ago.

josephstern May 29, 2013 5:55 pm


Originally Posted by lad2 (Post 20830076)
Yes, and it costs a little more than $2 (can't remember the exact amount) per load.

$3.95 or $4.95 (can't remember), max of $500 per load.

oohaahouch May 30, 2013 12:33 pm


Originally Posted by theacolyte (Post 20832256)
Same here. Got approval error code 51 at walmart today for a $2k purchase. Card is sufficiently funded, (and code 51 is for insufficient funds.)
Sigh, I hate the waiting game...

Did you try again or were you able to figure out why is/was this rejected?

theacolyte May 30, 2013 2:34 pm


Originally Posted by oohaahouch (Post 20837142)
Did you try again or were you able to figure out why is/was this rejected?

I've decided to just unload my MVD with GW and close the account. I feel like the changes they made to their debit processing might be permanent and not worth the hassle. I'll pick it back up if/when it becomes more viable relative to other options.

KYBOSH May 31, 2013 3:23 pm


Originally Posted by theacolyte (Post 20837888)
I've decided to just unload my MVD with GW and close the account. I feel like the changes they made to their debit processing might be permanent and not worth the hassle. I'll pick it back up if/when it becomes more viable relative to other options.

Why not max it out and cashadvancyit?

KYBOSH May 31, 2013 8:17 pm

Okay, tried the MVD today while making MOs and it worked but only for $300+

I will later for higher amounts....

Well see if Im throttled to 3 digits or if I can sneak a 4 digit debit in there once a week or so.

zeppoloveskafka Jun 2, 2013 10:17 am

I've read 10 pages of the thread, but it's still not clear to me what others might speculate a relatively safe monthly load amount might be. My plan was just load and unload at ATMs. I need to hit some very high spend over the next month and a half or so, but I have no need for the card after that.

If I load 5K and then withdraw it from the ATM a week later, will that shut me down on the first try? Second?

oohaahouch Jun 2, 2013 10:21 am


Originally Posted by zeppoloveskafka (Post 20852277)
I've read 10 pages of the thread, but it's still not clear to me what others might speculate a relatively safe monthly load amount might be. My plan was just load and unload at ATMs. I need to hit some very high spend over the next month and a half or so, but I have no need for the card after that.

If I load 5K and then withdraw it from the ATM a week later, will that shut me down on the first try? Second?

My .02 if you only do atm, they might not shut you since you will be throwing money at them. atm will turn out to be expensive, go alternate route.

zeppoloveskafka Jun 2, 2013 10:36 am


Originally Posted by oohaahouch (Post 20852291)
My .02 if you only do atm, they might not shut you since you will be throwing money at them. atm will turn out to be expensive, go alternate route.

ATM fee is only $2 per $400 right? That's fine for me. My margins are so good with the card that I'm working with, that not getting shut down is the most important part.

prasha11 Jun 2, 2013 3:27 pm


Originally Posted by zeppoloveskafka (Post 20852277)
I've read 10 pages of the thread, but it's still not clear to me what others might speculate a relatively safe monthly load amount might be. My plan was just load and unload at ATMs. I need to hit some very high spend over the next month and a half or so, but I have no need for the card after that.

If I load 5K and then withdraw it from the ATM a week later, will that shut me down on the first try? Second?

load 2.5k and do 2.4K cash advance then 2.5k to 2.5k, 2 to 3 times a month, keeping balance of under 100 at all times. They know what U are trying, some play tricks to hide, I keep it open. With moderation it is safe.

greendx Jun 2, 2013 8:43 pm

There is no safe amount. Only spend whatever you're comfortable with being without for an extended period of time in case an issue arises.

I currently have $2K in limbo where Incomm is pointing fingers at CVS saying they made them withdraw the amount from my account. CVS is pointing their finger at Incomm and saying "we don't know what you/they are talking about, go away"


Originally Posted by zeppoloveskafka (Post 20852277)
I've read 10 pages of the thread, but it's still not clear to me what others might speculate a relatively safe monthly load amount might be. My plan was just load and unload at ATMs. I need to hit some very high spend over the next month and a half or so, but I have no need for the card after that.

If I load 5K and then withdraw it from the ATM a week later, will that shut me down on the first try? Second?


prasha11 Jun 3, 2013 12:16 am


Originally Posted by greendx (Post 20855000)
There is no safe amount. Only spend whatever you're comfortable with being without for an extended period of time in case an issue arises.

I currently have $2K in limbo where Incomm is pointing fingers at CVS saying they made them withdraw the amount from my account. CVS is pointing their finger at Incomm and saying "we don't know what you/they are talking about, go away"

I assume U bought VR at CVS with credit card, I would dispute with the credit card, will be resolved

greendx Jun 3, 2013 12:45 am


Originally Posted by prasha11 (Post 20855737)
I assume U bought VR at CVS with credit card, I would dispute with the credit card, will be resolved

Money taken from me was from multiple transactions at different stores paid with different CCs none corresponding to 2K.

My point is don't tell people they will be safe. There is no such guarantee.

prasha11 Jun 3, 2013 8:40 am


Originally Posted by greendx (Post 20855812)
Money taken from me was from multiple transactions at different stores paid with different CCs none corresponding to 2K.

My point is don't tell people they will be safe. There is no such guarantee.

Amazing blather! All credit card transactions are safe.


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