So, you've finally decided to go ahead and get a Vanilla debit card. Great! You'll be able to purchase things online like plane tickets, hotel rooms, car rentals and even eat at restaurants. But, there are some things that aren't included on your Vanilla card and you may find yourself wondering what those are. Here's what's on the list of things that are NOT included with any Vanilla debit card.
Online gaming is still on the banned list. Sites like Playtech and Play stations have shut down their prepaid debit card programs. So, you're out of luck if you want to play online. If you do need this feature on your Vanilla, you're out of luck.
Your account will show up as 'defunct' if you attempt to access it via an Internet connection. Why? Because the companies don't allow you to use your account for Internet purposes. So, if you're trying to buy a new camera or something, you're going to be out of luck. This rule also applies if you're trying to transfer money from your regular account to your prepaid debit card.
You can try calling the customer service number and asking them about the abuse line. Most likely, they won't tell you because it would violate their company policy. They also might tell you that you can't do this. This is a good way to determine if you're receiving 'dispensable' messages from their company. But, you probably already knew that.
You can't purchase most things from vending machines using your Vanilla card. If you want to buy candy, coffee or even gum, you'll have to use your credit card. This includes all online purchases made from your PC. So, if you go to a website that charges shipping and handling costs, those costs will be added to your balance each time you make a purchase and not paid by the card.
That's where 'pay later' comes in. With this card, you can set up payment plans so that you only pay for purchases when you have money available. So, if you go on vacation, you won't have to worry about buying things when they're gone. That's a real money saver, since many people travel with little money. And, you can cancel your prepaid card at any time, so even if you get a billing notice, you can tell your bank and the company will stop sending the payments.
Now, assuming that you don't use your Vanilla debit card too much (if that's what you did), you probably don't need to worry about this limitation. If, however, you use your card quite a bit, you'll need to read the terms and conditions. The key provisions include:
You'll need to read the terms and conditions of the card very carefully before you accept it. You can cancel your prepaid card at any time, but you'll need to give at least seven days' notice. That way, if you change your mind, you'll still be able to use it. If you violate these terms and conditions, the bank may not issue you another card, and it may suspend your account.
Keep in mind that you'll be charged interest on any purchases you make using your My Vanilla Debit card. You also have to pay interest on balances you maintain from the date of your account opening until your account is paid in full. In addition, you'll pay an annual fee for any unused portion of your prepaid card balance. That's on top of the interest and any other fees or charges. These fees vary widely between cards and you'll want to compare them as well.
Here's one last point that might help you decide if a Vanilla or Vaya prepaid card is right for you. When you apply for a new credit card, you're asked to provide your social security number, which is not available for a debit card. But when you use your My Vanilla debit card, all the information you provide is kept private. So if you're asked to provide your social security number, you don't need to worry. If you ever feel uncomfortable about anything, simply call the customer support line and they'll help you out.
It really couldn't be any easier to get started using your My Vanilla debit card. Once you've learned all the process, you'll never know it. If you have any other questions or problems, there are actually people on staff to speak with you about anything. The great thing about having a prepaid card is that once you're using it, you don't have to deal with those kinds of concerns.
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