Has it ever occurred to you how the very best of quality merchandise is often supported by the finest prices? This is where the Vanilla MasterCard comes into play. The Vanilla prepaid debit card is probably one of the best prepaid debit cards currently offered by any credit card organization.
So, what makes the Vanilla card so superior to all other credit cards? Vanilla's on the back of the card are backed by Visa, MasterCard or Discovery. Visa and MasterCard both have very low limits on the purchases you can make. As for Discovery, their maximum on the card balance is less than the balance of your bank account. Now, this can be a problem if you are like most people who do not keep their entire budget under control. However, the Vanilla card gives you the freedom to carry a small balance in your favor, as you never have to worry about incurring a high credit card balance.
One thing you may want to know about the Vanilla prepaid debit card balance is that you cannot exceed the maximum on the card. This comes in handy if you are in a bind and need to pay a high balance off quickly. If you use your Vanilla card to pay bills, then the limitations are not an issue. The restrictions are if you overspend. You will not be able to spend more than the average limit on any one Visa or MasterCard Visa card or on any one bank in the world.
The one area where the Vanilla prepaid Mastercard gives you freedom is when you use it for purchases. The reason you can use your Vanilla card for purchases is because the purchases are covered by the credit. If you had all available credit, you could easily buy anywhere you wanted. Now you must be careful with credit purchases, as if you do not pay the bill in full the purchases will be charged to your account. The charges are usually only a few dollars, but they add up over time.
Your monthly bill will show a charge for the Vanilla card and also a charge for the toll-free number. If you do not have a balance, you will see an empty charge statement and your PIN will not be valid. When you add a Vanilla gift card to an already outstanding balance, you will get a notice that the balance has been increased.
If you put a Vanilla gift card on the back of your card, it will take a few weeks before you can use it again, but you will not have to worry about security when you use your Vanilla Visa or MasterCard Visa card. If you forget your PIN, which is usually easy to do, all you have to do is call your institution and tell them your pin number. In most cases, they will give you temporary access to their customer service center until the problem is resolved. The Vanilla Visa and MasterCard charge will not appear on your statement and you will not receive a notice that you have been added to their customer's account.
Vanilla is owned by MasterCard, one of the biggest companies in the world. It does not carry the same level of customer service that other Visa and MasterCard carry, but they still have one of the better customer service centers. Most people that use prepaid cards, either for the Vanilla Visa or the Vanilla MasterCard, prefer to use them instead of going into a bank to make a purchase because there is no need to go to a PC and enter your personal information over the phone or internet. In most cases, a person who signs up for a Vanilla Visa or a Vanilla MasterCard cannot even go to the store to make the purchase.
If you would like to know how do I check the balance on my vanilla prepaid card, then you will need to know how the merchant account works. You can look at the back of your Vanilla Visa or MasterCard to see what kind of information you are entering when you are shopping online. When you enter this information, you are actually sending your card information to the merchant will use it to hold your card until you decide how you want to use your Vanilla Visa or MasterCard. At that point, your card will be debited from their online account and your balance will be updated. Your statement will show the amount of money that you spent and the balance that you have on your prepaid card.