A Vanilla Visa card is basically a credit card, with a certain amount of money loaded onto it as soon as you buy it. It's usually sold as a gift card with a special type of emblem on it, although there are many other kinds of these Vanilla cards and some operate just like credit cards. The difference between the two is that they're not linked to any bank account and won't have the same fees as traditional credit cards. In order to use them, you need to have either cash or a credit card. If you don't, you can still use them at most shops and online merchants.
So why do people recommend the Vanilla Visa card? One of the main reasons is that it's easy to use, so a lot of people find it easy to make purchases with it. Also, it's very easy to answer some basic questions. For example, if someone wants to buy a vanilla card for themselves, then they just need to answer a few questions to tell the provider what they want. If they want to give it to someone else, then all they have to do is provide their name and address.
As long as the customer service provided by the Vanilla card company is good, then they should have no problems answering any questions. But if they aren't, then it might be a good idea to go elsewhere. You should also look out for issues like low interest rates. Even if they have the lowest rates, that doesn't mean much if they charge outrageous fees for transferring money to their account. You should always do some research before deciding on which company to do business with.
Another reason why you should get your Vanilla Visa card from one of the major credit card companies is because they're usually much more reliable than smaller companies. If you have ever transferred money from a smaller company to a larger one, then you know how long the transfers can take. It can take days or even weeks for a big company like VISA to deposit your money into your Vanilla bank account. While it might take less time with a major company, it will never get you anywhere near the speed at which you can have your Vanilla debit/credit card transferred to your Vanilla bank account.
You should also look for independent reviews about any company who offers you a vanilla card. These reviews will let you know if the company is legitimate or not. The Better Business Bureau is an excellent resource for independent reviews. If a major credit card company isn't listed with them, then you might want to check them out. Also, if someone else has tried to transfer money to your Vanilla card and they were unsatisfied, then you can read their feedback to see if you'll have a similar experience.
One other way to tell if the company you want to transfer your money to is reputable or not, is by asking a question to someone in their company. When they send you an email or a phone call asking you to activate your Vanilla card, be sure to ask a few questions to try to get the scam artists out of your head. For example, ask if there are any hidden fees. Also, you should ask if your card will transfer money to an unsecured card or if you're going to be charged for being in the system.
If the company you chose is legit, then they will explain everything you need to know. However, if you received an email purporting to be from VISA or MasterCard and that the company you transferred to will give you “Visa Cash Back”, then you need to stay away from this company. These scams will not only cost you money, but they won't offer any kind of compensation for that money. There is only one place where you will receive Visa cash back – in a check. If you ever hear anything from them, then you should avoid the scam that sent you that email.
Now that you know what a vanilla card is and what to do if you received one, you should have a better idea on how to answer the question, “Can I buy something with a Vanilla card?”. Keep in mind that a “Vanilla card” can be used to make purchases anywhere that Visa or MasterCard is accepted. Even if you use your credit card to pay for it, you're still making your purchases with a credit card. To sum up, you can buy anything with a VISA or MasterCard, even if you don't have a Vanilla card. With that said, you should now have an easier time answering the question, “Can I buy something with a Vanilla card?”
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