A Vanilla Credit Card is one of the new prepaid credit cards that is available. It has all of the features and benefits of a regular credit card, but does not come with a high annual fee. Vanilla is a prepaid bank owned by Bank Of America, which also happens to be one of the biggest financial institutions in the country.
The Vanilla Credit Card has no annual fee. You do however need to purchase a prepaid account at a participating retail location for your own personal use. If you purchase the Vanilla prepaid Visa you can apply for a cash advance without a fee. According to the site it will usually cost you between three and five dollars.
As a prepaid credit card, the benefits are basically the same as with a standard credit card. You are able to pay bills online, buy merchandise online, and you are also able to make purchases with a cash back or store credit. What makes the Vanilla card different though is that you are also able to earn cash back each time that you use your card. You can earn up to ten percent cash back with every purchase that you make using your credit card. So, if you were to use your credit card and pay for items that you know you will be able to pay off within a week you could actually walk away with some extra cash. This might not seem like much but when you look at how much money you can save with the Vanilla debit card it makes it well worth the card's purchase price.
The benefits of using a credit or debit card are plentiful today. With more people struggling with our economy, credit and debit cards are becoming widely accepted at almost all of the establishments that we turn to for things such as food, gas, and even entertainment. While these cards are effective and have their own benefits, they can also cost a lot of money. When you use a prepaid debit card instead you never have to worry about incurring any of those expenses that come along with regular credit cards.
If you look at the money orders feature of the Vanilla card you will see that it allows you to earn money for just spending your money. All you have to do is go online and sign up. Once you enter your personal information and personal data, you will then be directed to an online form that contains the details of the Vanilla cash advance that you wish to apply for. Upon entering in your information you will then be directed to the application page. This is where you fill out the forms that are required for you to be approved.
This is where the differences between Vanilla debit cards and cash advances lie. Most people that use them tend to do so because they know that paying back their money order when they get the money is not a problem. With a cash advance you . . . . . . will have to pay a fee each time you take out a cash advance. This fee can add up to as much as $10 per month, and if you are taking out more than one or two cash advances this can quickly grow into a large amount of money. With a vanilla debit card the companies will not require you to pay any fees when you take out a cash advance.
While cash advances are typically used by people who need to have a little extra money in their pocket to make ends meet, there are times when you might want to use a prepaid debit card to make money orders. These money orders are known as payday loans. A lot of the time the companies that provide these prepaid money orders will require you to fill out an application and submit it, but the companies that offer vanilla debit cards will not.
You see, with a vanilla debit card the companies won't charge you any fees when you make money orders. They don't have to charge anything down on the card and they don't have to provide you with any products that are associated with the service. You only pay with your Vanilla Debit Card to obtain money orders and then you pay a small fee to the company that handles your card. So now you see why prepaid credit cards are the best way to pay back large cash advances because they offer no fees when you make the cash advances.
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