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

rossrr Aug 1, 2013 1:16 am


Originally Posted by nnugnotsle (Post 21193216)
Yep, just called them. Account is closed

Care to share your usage?

nnugnotsle Aug 1, 2013 4:23 am

Usually CA'd the money out once a month, until july, when I did it twice for $2500 ten days apart and got my account closed a day after the last time.

rismoney Aug 1, 2013 7:23 am

My Vanilla debit
 
anyone know what happens when you pay property taxes if its already included in a mortgage escrow acct? will over time the monthly payment go down, since the tax bills will include these side transactions?

daddychu Aug 1, 2013 7:56 am

I also got closed down a few days ago. Does anyone know the best way to liquidate the remaining funds from the card? If I cash advance the exact amount remaining, would I be charged a $1.95 fee, resulting in a negative balance? Thanks!

TheDapperDon Aug 1, 2013 10:55 am


Originally Posted by lad2 (Post 21192837)
Be aware, there's a no-activity fee of $3.95 if you don't do anything with it for 90 days.

Isn't that only if I have loaded funds on it in the first place?

SexyTurtle Aug 1, 2013 11:30 am


Originally Posted by rismoney (Post 21195622)
anyone know what happens when you pay property taxes if its already included in a mortgage escrow acct? will over time the monthly payment go down, since the tax bills will include these side transactions?

I once paid my property taxes even though they were included in my escrow (I forgot they were). I paid it before my mortgage company did so 3 months later my bank received a refund for the property tax amount. At the annual account evaluation they sent me a refund check for the extra amount in my escrow.

rdover1 Aug 1, 2013 1:30 pm

New record for me. Shutdown in just 19 days. Total VR loads $24k, but balance never over $5K. 2 small swipes, 1 for $460, rest all ACH. This coincides with an end of month sweep?

Just got my account reactivated for 48hrs. Will load up and dump.

groundhog Aug 1, 2013 4:16 pm

How many times can you open MVD cards? Is it 3 times per lifetime?

jk2 Aug 1, 2013 4:32 pm


Originally Posted by rdover1 (Post 21197750)
New record for me. Shutdown in just 19 days. Total VR loads $24k, but balance never over $5K. 2 small swipes, 1 for $460, rest all ACH. This coincides with an end of month sweep?

Just got my account reactivated for 48hrs. Will load up and dump.

How did you do an ACH?

serverus Aug 1, 2013 5:22 pm

delete

AZbba Aug 1, 2013 9:16 pm

So I had 3 mvd cards/logins. I did some loading/ cash advances on a few of them and then went on vacation and didn't login for a few weeks (last I checked they were all active).

Now two of my logins won't work. I tried resetting the password and it remembered my security question, but it won't log in. One still works and shows active.

So I assume they are shut down? I'm pretty sure I still had funds on them, no idea how much though. Will I automatically get a check in 3-4 weeks or do I have to call em.

rdover1 Aug 1, 2013 11:36 pm


Originally Posted by jk2 (Post 21198986)
How did you do an ACH?

Go into your bank and them you want o transfer $xx in to your account. They will probably copy your ID info and process it. If you are at a big bak and do this often you may run a SAR risk. For me, I use a credit union and when asked I tell that I get paid by my clients this way - they load the card and I pull it off so they never need to see my checking account details. Works for me. The same teller I see for this a few times a week is perfectly cool with this.

rdover1 Aug 1, 2013 11:40 pm


Originally Posted by AZbba (Post 21200332)
So I had 3 mvd cards/logins. I did some loading/ cash advances on a few of them and then went on vacation and didn't login for a few weeks (last I checked they were all active).

Now two of my logins won't work. I tried resetting the password and it remembered my security question, but it won't log in. One still works and shows active.

So I assume they are shut down? I'm pretty sure I still had funds on them, no idea how much though. Will I automatically get a check in 3-4 weeks or do I have to call em.

Don't assume this. Call in and say "My account looks to have been closed can you please look in to it". Don't argue , don't query and treat each account separately. If you play your cards right they will reactivate your account for 48 hrs. This allows you to load 3x $2.5k daily limit and pull the lot out through ACH before the time runs out. Some have reported that even after the 48hrs their accounts are still open. YMWV.

Anyone had success in opening a 4th account?

KYBOSH Aug 2, 2013 12:04 am


Originally Posted by rdover1 (Post 21200800)
Go into your bank and them you want o transfer $xx in to your account. They will probably copy your ID info and process it. If you are at a big bak and do this often you may run a SAR risk. For me, I use a credit union and when asked I tell that I get paid by my clients this way - they load the card and I pull it off so they never need to see my checking account details. Works for me. The same teller I see for this a few times a week is perfectly cool with this.

This sounds like a cash advance and not an ACH. You give them your MVD and ID right? ACH is done strictly with a routing number and a bank account number.

TheChallenge Aug 2, 2013 12:08 am

I've had one of my MVD put on 48 hour notice three times now. Every time they suspend my card, I simply call in, they give me the 48 hour lecture, and I'm on my way again for a few more months.


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