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Can A Vanilla Gift Card Be Reloaded

Cvs Raises The Daily Vanilla Reload Purchase Limit To $5000

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Update: You can no longer purchase Vanilla Reload cards with a credit card.

Vanilla Reloads are prepaid cards you can purchase in amounts up to $500 for a fee of $3.95 each. You then load your value onto a reloadable card such as the MyVanilla, Mio or netSpend and then use those cards either to make your credit card purchases as usual, withdraw money from ATMs, or pay bills all depending on which features each of them offers.

The great thing about Vanilla Reloads is that some of the retail locations at which they are offered will let you purchase them using a points-earning credit card, so you are essentially paying $4 to earn 504 points a breakdown of just under 0.8 cents per point, which in the case of valuable ones like Starwood Preferred Guest or Ultimate Rewards points, is a lot less than the values I consistently get from them when I redeem them for hotel stays and airline flights.

follower sent me the following photo he snapped at his local CVS with an employee memo about Prepaid Card purchases including Vanilla Reloads.

As you can see, it states the following.

Things You Need To Know About Vanilla Visa Gift Cards

The Vanilla Visa gift cards are a type of gift card that contains a prefixed amount. These cards are fairly popular as gifts on birthdays and anniversaries. This GiftinGlory article provides important information about this card.

The Vanilla Visa gift cards are a type of gift card that contains a prefixed amount. These cards are fairly popular as gifts on birthdays and anniversaries. This GiftinGlory article provides important information about this card.

Please RememberVanilla Visa gift cards have no name or address associated with them, therefore they are rejected by sites like Amazon. If you want them to be accepted, you will have to register the card by means of a ZIP code. After a trial purchase order, call the site and request them to override the card with the ZIP code and ignore the name or address.

A gift card looks just like a credit card and is used to purchase gifts and other items by means of a preloaded amount on the card. It is a convenient alternative to gifting cash, very much like a gift voucher.

Vanilla Visa is one such gift card that is highly popular, very convenient for online purchase and available in two or three variants. The following paragraphs will answer some of your questions related to the Vanilla Visa gift cards.

OverviewHow to Use the Card Online?Where to Buy?

This card can be purchased at leading retail stores across the U.S. A list of places where you can buy the card are given below:

  • Walmart
  • How to Activate?

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    Reloadable Gift Cards Listed

    While many gift cards are loaded with a set amount and are no longer usable once you spend that limit, several brands sell reloadable gift cards. Reloadable gift cards allow you to add to your gift card balance either on top of or after using the original balance.

    These gift cards are not the same as prepaid debit cards, which typically charge a fee to reload as well as monthly maintenance fees. For example, Visa, Mastercard, Discover, and American Express all offer prepaid debit cards and gift cards, which look similar. However, gift cards are not reloadable and cant withdraw cash from an ATM or accept direct deposits like a prepaid debit card. There is typically up to a $6 charge to reload a prepaid card, as well as a monthly service charge.

    Below, weve compiled a list of reloadable gift cards, including how you can reload them, along with a list of gift cards that arent reloadable. Note that none of the gift cards listed below charge reloading fees. To obtain this information, we contacted each retailers customer service department.

    How To Report The Vanilla Reload Scams

    Earning Points and Miles Using the Other Vanilla ...

    Make your family and friends aware of these Vanilla Reload scams by sharing it on social media using the buttons provided. You can also officially report the scammers to the Federal Trade Commission using the link below:

    How to protect yourself more:

    If you want to be the first to find out the most notorious scams every week, feel free to subscribe to the Scam Detector newsletter here. Youll receive periodical emails and we promise not to spam. Last but not least, use the Comments section below to expose other scammers.

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    Do Vanilla Gift Cards Build Credit Scores

    Since Vanilla gift cards and any other kind of gift card are not loans, they cannot help you build your credit scores since financial institutions do not report their usage to the credit bureaus.

    If you want to build your credit score, you can get a credit card. Applying for loans such as personal loans, mortgage loans, and auto loans may also help you build your credit score only when you follow terms and conditions.

    Vanilla Visa Gift Card

    If you need a gift for an upcoming special occasion, the Vanilla Visa Gift Card is a viable option.

    • The card can be purchased in $20 denominations, ranging from $20 to $500.
    • Once the card is activation, no additional fees apply and the funds never expire.
    • Per the cardholder agreement, activation costs between $4.95 and $9.95 depending on the dollar value and number of cards activated.

    Unfortunately, cardholders are unable to retrieve funds from the card via ATM or using the cash back option at the register. In addition, Vanilla Visa Gift Cards are not reloadable and cannot be returned once purchased.

    In the event your card is lost or stolen, you can contact customer care to request a replacement. .

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    Which Reloadable Prepaid Card Is Right For You

    Although most reloadable prepaid cards work similarly, each has various fees and features associated with it. In order to pick the card that is right for you, youll first need to think about how you intend to use the card. Here are some questions to think about before selecting a card:

    How do you intend to use the reloadable prepaid card? Will it be your primary money management tool, a complement to your existing bank accounts or is it simply a way to give spending money to your kids? The more you intend to use the card, the more likely you are to want access to the full range of features so it might be worth paying a higher monthly fee to get the individual services for free.

    How many transactions do you anticipate making each month? If you plan to use the card frequently, then a card that costs more but offers cash back rewards may ultimately save you money. If you only plan to use the card a couple of times a month such as when you want to make a safe online purchase, then a product with a low entry cost may be best.

    Do you need cash back? Cash can typically be obtained via an ATM, from a bank teller or as cash back after making a purchase Each card has different rules and potential fees associated with each method. If you anticipate needing cash back frequently, then look for a card that will give you access to your money as inexpensively as possibleeven if that means paying a higher monthly fee.

    Can I Add Money To My Visa Gift Card

    How Do You Add Name To Vanilla Visa Gift Card

    Have a form of payment ready for the amount that you would like added to the gift card. Check the back of the gift card, which may state if you can reload the card online, and the website to visit in order to do so. You can also call the business to see if this option is available to you.27 Sep 2017

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    Many Types Of Vanilla

    In addition to the fact that there are two different kinds of Vanilla Reload cards, it is important to understand that there are also multiple kinds of Vanilla cards. Depicted below are a few varieties. None of these can be used to reload other prepaid cards:

    Vanilla Gift CardMyVanilla Debit
    Load once in-store. No fees after purchase.Load once in-store. No fees after purchase. Acts like gift card, but looks like a debit card.Buy in-store and register with your name and address. May be reloaded repeatedly.

    Variation : Awards Lottery Prizes

    Scammers call hundreds of households per day with various fake offers, sweepstakes , and prizes and give the recipients the whole speech about not needing a credit card or debit card to redeem it. Typically, the Vanilla Reload scams require the winner to pay only a small 5% of the whole amount, representing an admin fee.

    We only take Vanilla Reload cards, for the safety of our customers, they might say. Relieved by the fact that they dont need to provide personal info or bank account numbers, several victims give their card code for phony registration fees, fines, or any other redeemable prizes.

    This variation could happen in many other ways. However, if youve fallen victim to one of these scams and are now financially unstable, see if you can make ends meet with salvage title car loans while you get back on your feet.

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    Can You Reload A Gift Card Online

    Reloadable gift cards are available for most major retailers and restaurants. Gift cards are a great way to thank someone for their kindness or to treat kids away at school or for family and friends during birthdays, holidays, or as a way to thank them for their help. Online recharging is usually available for these cards.

    Can You Add Money To A Prepaid Gift Card

    Can you reload a vanilla visa gift card

    The ways in which you can add money to your prepaid card vary. You can transfer money from your checking account to your prepaid card. You can load your card with a certain amount by purchasing a reload pack. You can also add funds at certain retail locations or at the financial institution that provides the card.

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    How To Reload Pin

  • First, get a Vanilla Reload PIN Load that can be found in the reloadable prepaid card section of the display.
  • Load your prepaid card or you can use the option of the online account by using the secure pin on the back of the Vanilla Reload by calling 1-877-429-8140 or by visiting the official site
  • Do Vanilla Gift Cards Come With A Pin

    If someone buys you a gift card, it does not have a PIN but only the 16-Digit number. All you need to do is to call the automated phone number provided at the back to create your PIN. You need to follow the requests from the automated voice whereby you eventually create your four-digit PIN to secure your card from unauthorized usage.

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    Can I Recover A Lost Vanilla Gift Card

    A gift card is like money. Once you lose it, you cannot recover the money. It is thus very important to take care of your card to avoid inconveniences. This applies to both the E-gift card and the tangible one. If someone collects the card, they may use it to buy goods and services.

    If you get an E-gift card, print the details and keep them in a safe place so that in case you cannot access the email with the card details, you can easily get the printed copy.

    What Is A Gift Card

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    A gift card is also a type of stored value card loaded with funds for future discretionary use. Only it contains a specific amount of money. Once this sum is spent down, the card can no longer be used. Gift cards also have expiration dates, which are often much shorter than that of prepaid cards.

    Gift cards can be purchased in several different formats. The most familiar type is what’s technically known as a closed loop card: It is good only at a particular merchant or certain retailer and bears that outfit’s name and logo. Some retail groups will allow the same gift card to be used at any of their affiliated stores.

    Gift cards began with specific stores. Now, however, many of the major charge or credit card issuers, like American Express, Visa, Discover, and MasterCard, are also offering gift cards, good anywhere the regular plastic is accepted. Known as open-loop cards, these are most easily confused with prepaid debit cards, especially since some of them are reloadable as well. These cards may carry a one-time activation fee.

    Prepaid vs. Gift Cards

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    How Do I Activate A Vanilla Debit Card

    Activation of Vanilla prepaid debit card. To activate your card you have to follow some steps, and then you can register your card online properly. First, go to the! Here on the page, you have to press on the set up your card button. On the page, you have to input your card number, and then your card security number.

    As A Temporary Method Of Payment

    If you are going on a short weekend trip in or out of Canada for 2 or 3 days and you dont want to carry cash, this card can be used to make purchases on-the-go. This card is a much safer approach compared to carrying your credit card. In the event you lose it, you only lose the money you purchased the card, which is a maximum of $500 for Visa and $200 for Mastercard.

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    Variation : Purchasing Stuff On Ebay Craigslist Gumtree

    Whatever item scammers sell on these sites, they require the payments via Vanilla Reload, persuading the victims to load money into their card and then to send along the serial number.

    If you do that, your card will be emptied almost instantaneously. Justifying this, scammers come up with a good reason for requesting the payment. I just got my wallet stolen and had to cancel all my accounts, sorry for the inconvenience.

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    Does I Require A Bank Account To Get A Vanilla Gift Card

    Vanilla Reloads

    No, you do not need a bank account to use a Vanilla gift card. The card is independent on its own. They are almost similar to prepaid cards although you can link a prepaid card to a bank account. This is contrary to other payment cards such as debit and credit cards that require you to have a bank account when applying for them.

    Furthermore, only debit, credit, and prepaid cards can allow you to transfer money using the routing number and account number. So to be specific, the card is mainly for buying goods and services.

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    The Cibc Prepaid Visa

    You can shop worldwide online and offline, use VISA Paywave even for small purchases and basically spend on your own terms. There are two CIBC Prepaid Visa cards that you can sign up for which are:

    • CIBC Smart Prepaid Visa Card
    • CIBC Smart Prepaid Travel Visa Card

    The CIBC prepaid cards enable you to top up your card with your money. It works like a debit card, with credit card convenience. This makes it easy for you to shop anywhere inside and outside Canada.

    With this card, you get:

    • Minimum load amount $20
    • Daily Withdrawal Limit $1,000
    • No Interest: The card does not incur any interest over time
    • Worldwide use: But like a credit card, you can use it all over the world, in five different currencies as long as VISA accepted
    • You dont have to worry about your prepaid affecting any credit rating or store since you only use the money thats on the card.
    • No Age limit: You can sign up for either the Smart Prepaid or Smart Travel Prepaid at any age, even for those under 18 years old.
    • No Residency Needed: The residency requirement is not needed which means you dont have to be a Canadian citizen or Permanent Resident to be eligible for the CIBC card. This is extremely useful for travelers visiting Canada
    • No CIBC Bank Account Needed: You can get the CIBC prepaid even without a CIBC bank account
    • The CIBC Smart Travel Visa can be loaded with one of the 5 available currencies- Euros, Pesos, Pounds and US Dollars


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