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

lad2 Sep 29, 2013 6:56 pm


Originally Posted by jiffyjiff (Post 21525604)
Sorry if discussed previously - trying to load a chase GC to my MVD today, WM Kiosk stated $3.74 fee to reload - is this new? Never had a fee before.... Kiosk was acting odd (don't they always) and I'm not in my local area where I normally do (Currently in Tampa). Any feedback greatly appreciated

Loading MVD was never free at WM. You must be confused with something else (GB perhaps). Best to load MVD using VR, then unload at WM.

BarnyardRomeo Sep 29, 2013 7:06 pm


Originally Posted by LRD (Post 21519041)
I had a PIN transaction denied. Called CS and they said I had exceeded "the $8000 weekly PIN-based transaction limit" (...?).

They suggested I could do "credit" transactions, which have a separate $6000 weekly limit.

Anyone else ever bump into these limits... or even know these limits existed?

Thanks for posting this. I had this happen today and was wondering why. I assume you had a tiny slip of paper come out of the receipt printer that read "debit not available appr. code = 51"? Thats what my slip says.
Man o man I can't wait until the first of the month :) The end of the month is always killing me.
Did the Vanilla CSR mention if the week was a Mon-Sun sort of thing, or if you have to wait 7 days after my first debit transaction?

EDIT: Looking at my balance sheets, after posting this message, I see that I am not near 8k for the week. I would have been just over 6k had the transaction been approved. Weird.

LRD Sep 29, 2013 8:31 pm


Originally Posted by BarnyardRomeo (Post 21526455)
... I assume you had a tiny slip of paper come out of the receipt printer that read "debit not available appr. code = 51"? Thats what my slip says.

Same here.


Originally Posted by BarnyardRomeo (Post 21526455)
Did the Vanilla CSR mention if the week was a Mon-Sun sort of thing, or if you have to wait 7 days after my first debit transaction?

The rep indicated it was a rolling seven-day window. But, the rep was clearly in unfamiliar territory. He asked several times if he could put me on hold while he researched my complaint, and mentioned that it was I giving him an education on the subject of limits.


Originally Posted by BarnyardRomeo (Post 21526455)
Looking at my balance sheets, after posting this message, I see that I am not near 8k for the week. I would have been just over 6k had the transaction been approved.

I had the opposite experience... after I learned of the $8K limit, I returned to Walmart and adjusted my billpay amount to bring me to $7,990 for the week. That transaction went through just fine, so I'm inclined to believe what the rep stated about limits.

BarnyardRomeo Sep 29, 2013 10:07 pm


Originally Posted by wcj (Post 21525937)
even if you did .70 per $500 MO, you would still be cutting your fees because as far as I know, that MVD load fee has been present at WM. Pay $ 1.40 per $1000 or $3.74 x 2 + .70.

Instead of paying .70 for a $500 MO or .70 for a $1k MO, the best option is to pay no fee for a $1k MO. That is how we do things here in the barn.http://i40.tinypic.com/2e3zrzc.jpg

Sorry for the significant redactions. Security is of upmost importance on the farm. I hope you can decode the method and utilize it for your benefit.

MaineCoon Sep 29, 2013 10:21 pm

Absolutely incredible puzzle to save $0.70.

You have used the coupon or something?

Gosh.

KYBOSH Sep 29, 2013 10:28 pm

Yes, inquiring minds what to know...

SGJazz Sep 29, 2013 10:46 pm


Originally Posted by KYBOSH (Post 21527080)
Yes, inquiring minds what to know...

Indeed.

Slickw Sep 30, 2013 6:01 am

Fee-free for using Walmart debit card?

jiffyjiff Sep 30, 2013 12:50 pm


Originally Posted by BarnyardRomeo (Post 21527036)
Instead of paying .70 for a $500 MO or .70 for a $1k MO, the best option is to pay no fee for a $1k MO. That is how we do things here in the barn.http://i40.tinypic.com/2e3zrzc.jpg

Sorry for the significant redactions. Security is of upmost importance on the farm. I hope you can decode the method and utilize it for your benefit.

I don't know why, but I had a fee-free MO at a WM in new port richey, FL this am..... no rhyme or reason, just seemed like that WM didn't charge.... actually decided to cash out a $500 chase GC after the $1k MVD one because there were no fees

rdover1 Sep 30, 2013 12:54 pm


Originally Posted by BarnyardRomeo (Post 21527036)
Instead of paying .70 for a $500 MO or .70 for a $1k MO, the best option is to pay no fee for a $1k MO. That is how we do things here in the barn.

Sorry for the significant redactions. Security is of upmost importance on the farm. I hope you can decode the method and utilize it for your benefit.

Curious. All my MO purchases always show "Item 2" where the 2nd is the fee.

KYBOSH Oct 1, 2013 10:33 pm

I know Western Union employees can get MOs for free. One lady at a grocery store accidentally hit the Employee key when ringing me up and it didnt add a MO fee. She realized something wasnt right, cancelled the transaction and rang me up proper.

zenride Oct 2, 2013 6:11 am

I tried asking for the "Barnyard" discount, but they looked at me like I was nuts.

TKKY Oct 18, 2013 9:21 am


Originally Posted by zenride (Post 21540135)
I tried asking for the "Barnyard" discount, but they looked at me like I was nuts.

Do tell. The receipt doesn't give enough info, I don't think.

LRD Oct 18, 2013 9:53 am


Originally Posted by Mrgolfer21 (Post 20133604)
So, just tried to use MVD and it declined, but i had plenty of money on it. Called and they said i've exceeded the monthly POS limit, which is $8k. . .


Originally Posted by LRD (Post 21519041)
I had a PIN transaction denied. Called CS and they said I had exceeded "the $8000 weekly PIN-based transaction limit". . .

Perhaps things have changed recently, but I can confirm that the current weekly POS limit is $8K and the monthly limit is $10K.

I think the former limit is based on a rolling week; I think the latter limit is based on a calendar month.

dogbyte Oct 18, 2013 9:57 am


Originally Posted by LRD (Post 21628927)
Perhaps things have changed recently, but I can confirm that the current weekly POS limit is $8K and the monthly limit is $10K.

I think the former limit is based on a rolling week; I think the latter limit is based on a calendar month.

So if you're buying MOs, the limit is 10k per month then so it is a POS transaction? I assume cash advance falls under a different limit?


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