Major problems with Vanilla Visa Gift...
donzie

San Antonio, TX

#295 Nov 1, 2012
Well said, stolvey. It is the card's complete lack of user-friendliness that is causing all this customer dissatisfaction, and MOST consumers need to know this before getting rooked into buying it. Hopefully if enough people convey these same sentiments, it will finally get through to people like baporove. Fortunately, in current times, customers can freely review and evaluate products on-line so that others can utilize that information in making wise consumer choices. Those who market poor products defensively want to squelch that ability. Instead of using criticisms to improve the product and get rid of the pitfalls, some would rather try to blame and discredit the customers who are the very people their livelihood depends on. Then they wonder why their business or their product didn't make it. Go figure.
baporove

Salt Lake City, UT

#296 Nov 1, 2012
Stoley, what gives up the impression that I am young? I have never stated how old I am in any of my comments. I am not some kid fresh out of high school. For your information, I am 26 years old, and I have a college degree. If seems as if Stolvey wants to blame Vanilla Visa whenever merchants decline the card. Vanilla Visa does not have control over which merchants will accept the card and cannot force merchants to accept it. It is not the fault of Vailla Visa if some merchants don't accept the card. The card is accpeted online most of the time if it is registered properly. As far as hotels and car rentals, there is a 20% preauthorization. Even by Stolvey's own admission it is standard for prepaid cards to have an extra hold when they are used to hotels and car rentals. The reasons the prepaid cards have these extra holds for these type of merchants is because hotels and car rental companies tend to force payments through regardless of whether there is enough funds on the card to cover the extra incidentals when they occur. Then the prepaid card companies have to go through a lengthy dispute process to try to recover their funds. By having the extra holds on hotels and car rentals, it reduces the number of disputes. People need to realize that disputes are very time consuming and expensive for prepaid card companies. Stolvey states that the prepaid cards should not have an extra hold because the hotels and car rentals companies already have their own holds, but the card companies have deemed it necessary. Prepaid card companies do have a right to place any holds they believe are necessary to protect their profits or reduce expenses and it is stated very clearly in the terms and conditions. Almost every prepaid card company has an extra hold on hotels and car rentals, but Stolvey states that it is unneccesary. In essence Stolvey is basically implying that he knows more than the prepaid card companies, and yet he has the audacity to refer to me as arrogant. What a hypocrite! It does state in the terms and conditions that there can be an authorization hold of $75 if used at the pump. All a person has to do is pay inside to avoid the preauth. The terms and conditions state that the customer needs to notify the merchant how much to run the card for when making a purchase for more than the available balance or it will likely decline. There is a simple solution. The merchant can either manually enter the correct amount to run the card for, then collect the difference by another method, or collect the difference by another method first and then run the card for the correct amount. Stolvey implies that there is too much information contained in the terms and condtions for most customers to retain but that is not so. The terms and conditions are easy to understand and there is not that much information to remember. People need to take responsibility for their actions instead of blaming the company when the card doesn't work exactly how they expected it to because they didn't take the time to learn about how the card functions. Vanilla Visa is a very good card and does work the way it is supposed to.
donzie

San Antonio, TX

#297 Nov 2, 2012
OR -- hey folks, here'a a news flash: You can AVOID all this malarkey completely with this piece of plastic and just give CASH! Thanks again, baporove, for making the point!

P.S., baporove -- Nobody cares how old you are or whether you have a college degree. The assessments stolvey (and others) have made about you are most likely based on the attitude that comes across every time you post. Unfortunately wisdom and good business sense does not automatically come along with age and college degrees.
card works great

Salt Lake City, UT

#298 Nov 3, 2012
Don't be hating on baporove. I know baporove personally and he is a very smart guy. I am only 15 years old and even I undirstand the cardholder agrimint. I use the card all the time to buy video games and I have never had a prawblem. You peepel need to go back to school and lirn to read and lirn some simple math.
donzie

San Antonio, TX

#299 Nov 3, 2012
To the prior poster: I'll say to you the same thing stated to a previous poster who used the same spelling and grammar that you have. Based on that alone, I sure hope you STAY in some kind of school. YES, CWG, people are having continual problems with this card and they are able to verbalize them much more intelligently (and accurately) than what you have demonstrated in trying to discredit them. Nice try, but at least take your GED before you try to tell everyone else what they're doing wrong. And by the way, I seriously have to doubt the intellect of someone who would pay $4 to $6 just to activate this farce of a card and then willingly put up with all the other issues that come along with trying to use it.

And BTW -- who said anything about "hating" baparove??? I really appreciate the fact that he has substantiated repeatedly in all of his postings how much REAL trouble this card is to use. Consumers have choices on how they choose to spend their earnings, especially in these hard economic times. BUT they should be sufficiently informed (and in the case of Vanilla VISA, WARNED) about products and services before they get stuck with them.

Keep posting, you guys. This one site alone is now up to 284 postings. This is great!
Roger Baynes

Vancouver, Canada

#300 Nov 3, 2012
Alex wrote:
Hey guys, i bought a 250$ visa prepaid card, and it didnt work. I went back to the store i bought it from, and they refunded me within 20 minutes. If you got your recite, just take it back. Vanilla isnt gunna do shit about it, they dont care. Go get your money back from the store you purchased it from,
Best of luck.
If you buy the card, keep the receipt till your done using the entire balance on the card, so that if you have any problem with the card, you have proof so that you can get a refund from the vanilla visa. Every card i've ever bought has worked fine and i have no issue with vanilla visa. Also, be sure to keep the packaging too, just in case you want to fax that to vanilla visa along with the receipt. Great card, i'll keep on buying and using them.
Roger Baynes

Vancouver, Canada

#301 Nov 3, 2012
Frustrated wrote:
<quoted text>
Rite Aid would not refund my purchase of Vanilla Visa. They said I had to take it up with Vanilla Visa, which of course turned out to be a complete nightmare.
I only suggest to everyone that they NEVER purchase a Vanilla Visa card!


I use these vanilla cards all of the time and i have never had any problems, all i can say is, make sure you keep your packaging and receipt until you have used up the balance on the card, that way you have proof in case you have any problems. Great card, no issues...
Roger Baynes

Vancouver, Canada

#302 Nov 3, 2012
great card and i've never had any issues, and for those who are planning on buying a vanilla card and or any other gift card, please remember to keep your packaging and receipt until you are done using the balance on the card, that way you have proof that you can fax to vanilla visa if you need to. great card, no issues online or anywhere else
donzie

San Antonio, TX

#303 Nov 4, 2012
Roger Baynes wrote:
great card and i've never had any issues, and for those who are planning on buying a vanilla card and or any other gift card, please remember to keep your packaging and receipt until you are done using the balance on the card, that way you have proof that you can fax to vanilla visa if you need to. great card, no issues online or anywhere else
And for every person who posts something in favor of the card on a site entitled, "MAJOR PROBLEMS with Vanilla Visa," there are scores of others who are reporting legitimate problems. That's the purpose of the site. It is very obvious to many that those who advertise having "no problems," would not have a purpose to chime in on a post like this unless they had something to personally gain from promoting the "virtues" of the card. And it is observed by many that anyone who sees nothing wrong with paying $4 to $6 for a piece of plastic to make standard purchases obviously has more money than he knows what to do with, has an incredible amount of time on his hands for willingly putting up with all the card's issues, or stands to personally gain from praising the card. Doesn't take an "Einstein" to figure that one out. Whatever. The horrible experiences of so many with this card speaks for itself. Lots of class action suits pending out there, folks, which no attorney would consider even taking if there was not something to all the reported pitfalls.
Livid customer

Salt Lake City, UT

#304 Nov 4, 2012
Roger Baynes wrote:
<quoted text>
I use these vanilla cards all of the time and i have never had any problems, all i can say is, make sure you keep your packaging and receipt until you have used up the balance on the card, that way you have proof in case you have any problems. Great card, no issues...
I kept the packaging and receipt doofus and faxed in everything I was told to fax and guess what it took seven faxes before Vanilla even would process a request for a new card. Their excuse was that the fax was too dark to read. Then after I finally got them a clear copy, I was promised that I would receive a card within 7-10 business days. Guess what, it is five months later and I don't have a card. Everytime I call, the reps give me endless apologies and empathy, but nothing ever gets done. I absoultely despise anyone that defends this shameful company. These crooks that run this company should be fined, jailed, and put out of business. Robert Baynes, either you work for vanilla visa or you are a complete moron. Donzie, keep posting. You are doing a great job at exposing this dispicable company.
X-men

Salt Lake City, UT

#305 Nov 5, 2012
Why do you guys keep dissin Baporove? Baporove is an awsum dude. I am 14 years old and I have nevar had a problem with this card. It's simpal reeding and math. Come on guys, if a kid can figur this stuff out then you guys shoodn't have any isshoes. If you guys don't know how to use a simpal card then you need sum ceerius help.
donzie

San Antonio, TX

#306 Nov 6, 2012
Ohhhh, X-men -- LMAO!

Baporove -- if all you can get behind you are 14 and 15-year olds who post like this, your card really is in "ceerius" trouble!!
stolvey

Salt Lake City, UT

#307 Nov 7, 2012
Baporove, this article barely touches the surface of the numerous issues with Vanilla Visa cards that are causing widespread customer dissatisfaction. Your comment that the card works online most of the time if registered properly is inaccurate. There are multitudes of people who register the card properly that get declined online. Consumers are well aware that some merchants do not accept this card, but it is the 7-day authorization holds that accompany the declines that are unacceptable. Lets face it, even by your own admission, most merchants refuse to send faxes to get the authorizations released before the 7 days so customer are almost always stuck waiting for full timeframe. If a merchant declines the card, there should not be an authorization hold. It should show declined in Vanilla Visa's system immediately and it should work the same for the other prepaid cards. If the system is not set up that way, then the prepaid card companies need to fix it. It is not the 1950's; it is the 21st century. As you eloquently stated in one of your posts, on average, one dissatisfied customer shares their bad experience with approximately 10 other people. Based on that information, Vanilla Visa should get its act together.

Baporove, your justification for Vanilla to have extra holds of 20% on hotels and car rental companies is that other prepaid cards do something very similar. It seems like you use bandwagon fallacies to justify most of Vanilla's policies because you cannot produce tangible proof that they are beneficial to consumers and/or the company. History shows that the majority is often wrong. I'm sure Enron justified bad business practices the same way you justify Vanilla's poor policies, and look what happened to Enron. You think like a sheep and sheep often get slaughtered in the business world. It's called a fallacy for a reason. You state that having an extra authorization hold for hotels and car rentals reduces the number of disputes, but you do not present any evidence to back up your claim. There are some very successful entrepreneurs and innovators that did not follow the herd. My position is the same. Hotels and car rental agencies have their own authorization holds in case of incidentals, so I think the extra holds that prepaid cards place on these type of companies is unnecessary and very inconvenient for the customers.

Baporove, my assessment of you hasn't changed just because you claim to have a college degree, and 26 is still young. You come across as immature and conceited. Just a piece of advice. I would recommend that you tell CWG and X-men not to reference you in any of their comments because these two kids both need to work on their writing skills. Even though they think they are helping you by defending you, they are damaging your credibility. I know that it is your prerogative who you choose as friends, but the comments from CWG and X-men portray the impression that you associate with teenagers and that makes you seem even more immature.
Very good card

Salt Lake City, UT

#308 Nov 7, 2012
Stolvey, how can you judge baporove based on two comments when you don't even know him? Do you have something against teenagers? I am a teenager myself. My friends and I enjoy hanging out with baporove, and I learn alot from him, and I'm sure he enjoys hanging out with us because we are energetic. Baporove has some friends who are teenagers, so what!! That does not make him immature. You need to stop judging people you don't know. All people need to do is read the cardholder agreement, do some basic math, and learn to use a computer, and they should not have any problems using the card. I bet stolvey is a bitter former employee that is just trying to get revenge against Vanilla Visa. Don't believe the lies Stolvey is spreading!!! Vanilla visa is an excellent card.
donzie

San Antonio, TX

#309 Nov 8, 2012
Stolvey is correct about his/her assessment of the card. There are HUNDREDS (if not thousands) of customers (who have NEVER worked for Vanilla Visa and have budgets to balance for more than just buying video games) who know the card to be problematic. You are WRONG, VGC, in making cavalier pronouncemounts about "what all people need to do." Been there done that, as have hundreds of other intelligent, educated people, who ran into problem after problem with this card. And when problems occurred, the card's "Customer Service" was a misnomer.

If you can't stay on topic, instead of defending your precious "Boporove," then get out of the way. Some of us like it when Boporove posts because he does at least substantiate the real problematic issues with this card (even though unintentionally)-- which IS what this board is about.
Do not buy this card

Salt Lake City, UT

#310 Nov 9, 2012
I think I am onto Baporove's plot. I believe Baprove's success depends on how Vanilla Visa does as a company but I don't think he is in an upper management or executive position. Baprove knows there are numerous complaints about the card and decided to post onto this board in an attempt to neutralize some of the negative sentiment while trying to fly under the radar. He failed miserably as he was branded as a vanilla visa employee by his second post. After his second post, he continued posting because he hoped he would gain back his credibility and convert some people to his way of thinking. After posting numerous times, his posts were proving to be ineffective toward his mission. His next approach was to get people to write positive articles about him and about Vanilla Visa. He felt that anyone who posted for him would be deemed as a Vanilla Visa employee, so he chose to have teenagers with poor writing skills post positive comments about him and about Vanilla because he figured it highly unlikely that they would ever be deemed as working for Vanilla. He hoped it would convey the message that if teenagers who can't write well can use the card successfully, then virtually no one should have problems with the card. His plan obviously backfired and damaged his credibility even more, as he is now perceived by stovley and possibly others, as immature. Baporove recently chose to appoint a teenager to post about him having teenage friends because he wants to make it appear as if they chose to defend him as a friendship gesture. I could be wrong, but this is my theory of Baporove's plot and his motives.

Anyone that makes the claim that people who have problems with Vanilla Visa cards are dumb, uneducated, or lazy is dead wrong. I have a degree in psychology, and I found the card to be anything but convenient. Before I was given this card as a gift, I never had a prepaid card. In the past, I have always used debit cards, credit cards, checks, or cash to make purchases. This card that I received as a gift turned out to be a nightmare. I ordered some items on Amazon and it showed declined but I was stuck with a 7-day authorization hold. I called customer service, then was informed that it should work online if I register it. I registered the card. After the hold released, I tried it again on Amazon and it came back as declined. Again, there was a 7-day authorization hold. I tried both times to get Amazon to send a fax for me but they refused, so I had to wait the full timeframe. I then tried to use the card at a hotel and was informed that they don't accept these cards. I tried another hotel and they accepted the card. After I checked out, I found out that the amount deducted from my available balance was 20% more than the hotel bill and deposit together. I called customer service again and was informed that the card places an extra 20% hold in case of incidentals. I was furious because I have never heard of such a thing. Of course, I couldn't tell the person that gave me the card that I didn't like her gift because that would be very rude.

I would not touch this card with a 10-foot pole. I recommend that consumers steer clear of Vanilla Visa cards.
PAB

Cardiff, UK

#311 Nov 9, 2012
No where will accept this card!!!!! Tried ive 15 shops !!!!
baporove

Salt Lake City, UT

#312 Nov 10, 2012
People posting comments on this board have assumed that I am a Vanilla Visa employee, yet I have never stated this in any of my posts. There are plenty of people that like the Vanilla Visa card and have extensive knowledge about it that are not Vanilla Visa employees. Being knowledgable about the card does not automatically make someone an employee. It is my right if I don't want to diclose whether or not I work for Vanilla Visa and I choose not to diclose this information.

DNBTC's crazy and far-fetched theories about me are unfounded and have no basis. The idea that someone would ask illeterate teenagers to post comments for them to try to convince people that the cards are easy to use is preposterous. I have never instructed anyone to post comments. It is very likely that CWG and X-men are a couple of pranksters that wanted to humiliate me for their personal amusement. I am deeply offended that Stolvey would imply that I think like a sheep that follows the herd and can't think for myself. I come up with many good ideas and can think for myself, and I disagree with Stolvey that I am immature. It is true that I have a few teenage friends, but I also have friends that are close to my age and older.

Stovley doesn't think extra preauthorizations for hotels, car rentals, and tipping merchants are necessary but it is standard for prepaid cards to have them. There are times where companies have to make tough decisions that are not always going to be the most popular in order to stay solvent. The prepaid card companies implemented some necessary policies to protect themselves against fraud because of rampant fraud that exists. One of the mesures Vanilla implemented was to have 20% additional preauthorizations on hotels, car rentals, and tipping merchants. The companies would have no reason to hold funds they are never going to collect if it did not serve a purpose. There are extra holds on hotels and car rental companies because these type of merchants are notorious for forcing payments through when there are insufficient funds to cover them. There are extra holds on tipping merchants because sometimes merchants will not collect the tip until well after the card is ran. These holds reduce the losses that occur from fraudulent consumers and merchants. Although these type of holds can be slightly inconvenient for consumers and merchants alike, they are necessary for Vanilla and other prepaid cards to remain profitable and offer quality products that are cost-effective. Stolvey seems to want to think that we live in a Utopian world where everyone is honest, but the reality is that fraud exists and measures are necessary to protect against it. My recommendation to people is to read the terms and conditions and register the cards online.

If Americans would stop being lazy and take a few minutes to perform these simple steps, they should not have problems using these cards.
donzie

San Antonio, TX

#313 Nov 10, 2012
As repeatedly stated, Baporove, consumers have to be anything BUT "lazy" to put up with this stupid nonsense. Believe it or not, Baporove, customers were not put on this earth to make profits for a company whose product is nothing but trouble and non user-friendly. We don't like your card. We don't care whether you work there or not. We don't like your card. We DON'T like your card. Is it finally getting through????
Visa Vanilla

Cape Girardeau, MO

#314 Nov 10, 2012
ok so i called them andwe were having a convo. about why my card is being declined and they just hung up on me how direspectful

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