My Vanilla debit

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Old Mar 31, 14, 8:43 am   -   Wikipost
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Last edit by: uncommonsensical
Wiki Link
“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).
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Old Jan 14, 13, 9:38 pm
  #121  
 
Join Date: Jan 2011
Location: ATL
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Posts: 856
Originally Posted by MSYnola View Post
Anyone with knowledge of beans in the greater NOLA area mind sending me a PM? I had a great source in town but when I tried to reup there this weekend they told me they were no longer accepting credit cards. I told them I had bought beans there with credit card previously and they said that was just a special offer for Christmas where they let people buy all gift cards with credit cards. I didn't push the issue with the manager but it appeared hard-coded into the register. Any help would be much appreciated?
CVS on Decatur in the French Quarter when I was there for Xmas.
FederalFlyer is offline  
Old Jan 14, 13, 11:56 pm
  #122  
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Join Date: Feb 2012
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anyone ever had cvs take down their driver license number/address w/ VR? I had my taken down for two beans. it was weird. i should have said i didn't want to buy the beans. but i did anyways.
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Old Jan 15, 13, 12:10 am
  #123  
 
Join Date: Sep 2005
Programs: Northwest, United
Posts: 2,898
Originally Posted by webazoid View Post
anyone ever had cvs take down their driver license number/address w/ VR? I had my taken down for two beans. it was weird. i should have said i didn't want to buy the beans. but i did anyways.
Not at CVS (none around here), but once at OD (back before they were pulled).

This occurred on the only time I bought more than $1000 of beans at a single transaction (2 beans @ $500 + 2 * 3.95 - put the total over $1000). They took down drivers license, made 1 or possibly 2 phone calls (one was to the credit card issuer), appeared to be looking me up in some database.

Never had any such shenanigans any other time. Then again, every other time the transaction was $503.95 or lower.
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Old Jan 15, 13, 12:57 am
  #124  
 
Join Date: Sep 2012
Posts: 4,385
nevermind

Last edited by DaveInLA; Jan 15, 13 at 10:05 am
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Old Jan 15, 13, 4:40 am
  #125  
 
Join Date: Jan 2013
Posts: 24
Thank you guys for the very useful information

Last edited by Redoctane; Jan 15, 13 at 1:01 pm
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Old Jan 15, 13, 7:12 am
  #126  
 
Join Date: May 2012
Posts: 514
deleted

Last edited by mizzou1; Jan 15, 13 at 7:34 am
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Old Jan 15, 13, 7:43 am
  #127  
 
Join Date: Mar 2008
Posts: 53
nevermind

Last edited by cyberkost; Jan 15, 13 at 8:11 am
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Old Jan 15, 13, 7:49 am
  #128  
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Join Date: Jun 2011
Posts: 639
Please remove your "how to" posts and use pm- how many times do we have to say it?
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Old Jan 15, 13, 9:19 am
  #129  
 
Join Date: Jul 2010
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removed.

Last edited by vacaloca; Jan 15, 13 at 9:26 am
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Old Jan 15, 13, 9:22 am
  #130  
 
Join Date: Sep 2005
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never mind

Last edited by nwflyboy; Jan 15, 13 at 12:00 pm
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Old Jan 15, 13, 10:07 am
  #131  
 
Join Date: Sep 2007
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removed.

Last edited by lad2; Jan 15, 13 at 10:25 am Reason: discretion
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Old Jan 15, 13, 11:09 am
  #132  
 
Join Date: Nov 2009
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Originally Posted by nwflyboy View Post
Is there any way to load these other than Vanilla Reloads? No CVS near me, no VRs. PM appreciated.
From their website:

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 ? it's easy! Visit vanillareload.com for more details and to find a reload location near you.
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Old Jan 22, 13, 3:07 pm
  #133  
 
Join Date: Nov 2010
Posts: 489
Has anyone had any issues related to credit checks for myvanilla debit cards? I accidentally purchased myvanilla debit cards instead of reloads. However, after registering the first one, I learned that Experian was contacted and that a credit check was done. I did not want this done for my other cards, so I called the phone number on the card and was told that I could not activate more cards without a credit check done on each card. However, the myvanilla website specifically states that there are no credit checks.
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Old Jan 22, 13, 3:15 pm
  #134  
 
Join Date: Jan 2010
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Originally Posted by guflyer View Post
Has anyone had any issues related to credit checks for myvanilla debit cards? I accidentally purchased myvanilla debit cards instead of reloads. However, after registering the first one, I learned that Experian was contacted and that a credit check was done. I did not want this done for my other cards, so I called the phone number on the card and was told that I could not activate more cards without a credit check done on each card. However, the myvanilla website specifically states that there are no credit checks.
They are probably just verifying your info with a soft pull.
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Old Jan 22, 13, 8:05 pm
  #135  
 
Join Date: Sep 2011
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removed

Last edited by troyhouse; Jan 22, 13 at 9:32 pm
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