MyVanillaDebitCard Application, Activation & Benefits

MyVanillaDebitCard

Credit One Bank issues you Vanilla Prepaid Card. One of the best and convenient way they are providing to their customers to take care of their money easily. Both of the cards offered by MyVanillaDebitCard including Vanilla prepaid visa card or Vanilla debit MasterCard are used anywhere in the world. By using this card, funding is easier now. Through Vanilla load, you can deposit the money directly without any hassle.

You can reload your MyVanillaDebitCard anytime and can access your account easily to make different payments by using this card. Even you can connect this card with Samsung pay, Apple pay and others. To have access for this card first you need to apply for this card to have it.

About MyVanillaDebitCard

  • MyVanilla card functions like a debit card and credit card as well and used as a reloadable and prepaid card.
  • By using this card you can make payments of your bills, can receive a direct deposit and others.
  • It has no application procedure to check your credit or has approval because it is not a credit card.
  • You can use MyVanillaDebitCard anywhere in the world as it is accepted everywhere in the form of Visa and MasterCard.

You can sign up an account for MyVanillaCard to turn on the notifications for the text alert. So when you make a purchase above the given limit or when your balance is low then your purchase it will alert you with a notification.

A 50% fee is charged as a processing fee for the PIN transactions and signature you make using MyVanillaDebitCard.

Vanilla Prepaid Debit Card Benefits

Go through the benefits of My Vanilla Prepaid Debit Card given below if you are interested to apply for the card, you should know the details of the card.

  • For important supplies including mobiles, TV connections, gas and web access you will get a cashback of 1%.
  • On all the other verified purchases, you will get a cashback of 1%.
  • For different restaurants, you will get a cashback of 11%.
  • On all the other purchases get 1% cashback.
  • In the mobile wallet, you can add your card if wanted.
  • Notifications and email alerts.

Vanilla Debit Card Application Procedure

After going through all the benefits and offers by the card, you want to apply for it then go through the steps given below. After applying for the card, funding is easier now. Through Vanilla load, you can deposit the money directly. Follow the instructions given below:

  • Visit the official site of MyVanillaDebitCard by using the link www.myvanilladebitcard.com.
  • You will be directed towards the homepage where you have to tap on the button “Get My Vanilla Card”.
Vanilla Debit Card Application Procedure
  • In the next step, you have to select the card brand. Make sure you are new to get a Vanilla Card and do not have it before. If you already have a card then you have to sign in.
  • In that case, the two options will be placed in front of you, and you have to select the card you want.
Vanilla Debit Card Application Procedure
  • After selecting the desired card you have to click on the submit button to move towards the application form.
Vanilla Debit Card Application Procedure
  • Next, you have to provide the information required like your personal details and your contact details.
Vanilla Debit Card Application Procedure
  • Now create a PIN and verify it.
  • After verifying the PIN code, you have to click on the Next button.
  • The next step is to Sign up for an online account to deal with the card activities.
  • To finish the Vanilla Debit Card application form follow the instructions given to you.

Soon you will receive your card in 4 to 5 working days, after receiving your card through the mail; the next step is to activate your card. After activating your card, you can use it for availing different benefits offered by My Vanilla Card.

How to Activate Your MyVanillaCard?

After receiving your card via mail, the next important step is to activate it so that you will be able to use it for making different purchases. Follow the steps given below to activate your card online.

  • First, you have to visit the official site of MyVanillaDebitCard by using the link mentioned above.
  • You will be directed towards the homepage, here you have to enter your login credentials for signing in your card’s account.
How to Activate Your Card?
  • If you do not have an account yet then you can sign up for an account by clicking on the link given below “Set up Your Card”.
How to Activate Your Card?
  • Next, you have to select whether you want to go with MyVanillaCard or with Mio Money Card.
How to Activate Your Card?
  • After selecting one card now, you have to enter your card number in the given section.
How to Activate Your Card?
  • Next, provide your CCV in the given space and click on the submit button.
How to Activate Your Card?
  • In the start, you are required to visit the link myvanilladebitcard.com and access the main site by utilizing your web browser.

Soon your card will be activating and you will receive a notification via email alert.

Confirmation of your Current Balance:

Before making purchases using Vanilla Debit Card you should know the exact balance you are having currently in your card so that you can shop according to the given balance.

Vanilla Prepaid Debit Card Account Login

To avail the online benefits offered by the card you have to login your account after activating your card. To login your account go through the steps given below:

  • Visit the official site by using the link www.myvanilladebitcard.com.
  • In the login page, you have to enter your Username and password in the given space.
Vanilla Prepaid Debit Card Account Login
  • After providing, the details click on the sign-in button.
  • Now you can easily access your account details.

MyVanillaCard Mobile Apps

  1. Free mobile app for money management on the go.
  2. Check Card balance, view transactions, find Vanilla Reload locations.
  3. Quick and convenient account access in the palm of your hand.
  • For Android

Android customers can use this link to download the mobile application: https://play.google.com/store/apps/details?id=com.incomm.myvanillav2

  • For IOS

IOS customers can use this link to download a mobile application: https://apps.apple.com/us/app/myvanilla/id906405911

Customer Service – My Vanilla Debit Card

If you are facing any difficulty in activating your card or have any query related to Vanilla Debit Card then you can use the customer service.

Customer Service Number

Use the customer service number by just dialing the number i.e. 1855-686-9513. If you want to contact with the live customer agent that for this you have to press 1 and afterward press 3. After that wait for the response via message and then press 4 and provide the phone number you want to register to make a live call.

Mailing Address

If you want to send your query via mail then you can use the mailing address given below:

MyVanilla Customer Care,
PO Box 826,
Fortson GA 31808

Reference Links

Official website link: www.myvanillacard.com

  • For checking prepaid balance use the link myvanilladebitcard.com/balance.
  • To sign up for an account use the link myvanilladebitcard.com registration. 

The Bancorp Bank is a licensed company from U.S.A. Inc. that issues MyVanilla Prepaid Visa Card. You can use this card anywhere in the world where the Visa Debit Card is accepted.

7 Smart Techniques to Build Good Credit

7 Smart Techniques to Build Good Credit

Having bad credit will keep you away from fulfilling your desires like buying a home, getting a job and financing your education. That is the reason to build good credit history quickly is important.

To take a start with your first credit card, everything you perform using the credit will become the part of your credit history. If you want to build or maintain your credit history, it is compulsory to use the credit responsibly.

  • Use Only a Small Amount of the Credit You Have Available

To maximize your credit cards, or coming even close to it is a careless act if you will not schedule to pay off your full balance within a month.

The Lenders have an idea that the borrowers who usually maximize their credit cards face difficulty in repaying the amount, which they have borrowed.

This will also affect your credit score when you hold a large amount of credit card balances and is not able to pay them off. To build a good credit you need to make sure that your balance is below 30% of your credit limit.

  • Start With Only One Credit Card

Within the first few years of using credit, most of the credit card users collect different credit cards. This will leave a negative impact on your credit history; don’t do such mistake by opening up too many credit cards.

If you will have more credit then it will become hard for you to hold up your balances and payments.

Your credit score will be affected badly with too many inquiries into your credit and with too many credit cards. The credit inquiries are 10% of your credit score and by opening new credit cards will decrease your average credit age and it is also 10% of your credit score.

Before applying for an additional credit card, make sure that you have enough knowledge to be responsible with credit.

  • Only Borrow What You Can Afford

To buy the things which you can’t afford is not the purpose of the credit card. If you do so you can get yourself into the debit and credit trouble quickly.

One of the best technique to build good credit is to charge only what you can afford. In this way, future creditors and lenders will come to know that you are a responsible borrower.

This will help you to borrow the money and in getting a new credit when your credit report will indicate that you only borrow the amount which you can afford to pay back. To avoid yourself from a large amount of debt by paying what you can afford is not the only technique.

Same rules are applicable to loans. Despite the prevailing circumstances of what the lender says you are qualified for only borrow the amount which you can repay. Before applying for the loan, go through your budget to check what amount you can afford each month. Take notice that the loan amount should be less than the amount you have come up with.

  • Make All Your Payments on Time

Your credit report do not mention all of your monthly payments, so if you will make your payments on time than it will not affect your credit.

If you will become the delinquent and the account is forward to the collection agency of the third party then any bill can potentially end up on your credit report.

To build a good credit score keep the negative accounts away from being added to your credit report. To overcome serious delinquency like a debt collection can be hard.

  • Pay Your Credit Card Balance in Full

If your credit card bill is the amount which you can afford then each month pay off your credit card balance in full will not be a problem for you. If you will pay off your bills every month then this will indicate that you are able to pay all the bills and this is the most important thing that creditors and lenders want to see.

The large portion of your credit score is reserved by the timeline of your payments so making your payments on time will improve your credit.

  • If You Carry a Balance, Do It the Right Way

To carry a balance on your credit card is not a bad thing as long as you do it in the right way. To pay your balance quickly, pay more than the minimum amount each month.

Don’t make the late credit card payments and make sure that your balance is at a reasonable level that is below 30 percent of the credit limit. If you will take care of all the given instructions then your credit will not be affected on carrying a balance.

  • Let Your Accounts Age

If you will carry a credit for longer period then this will be better for your credit score. To increase your credit age and to build good credit, leave your older accounts open.

When you will close your accounts, it will not remove your credit report immediately. However, after some years the old closed accounts will be dropped by the credit bureaus from your credit report.