Registered in England and Wales number 2065. Lloyds Bank plc Registered Office, 25 Gresham Street, London EC2V 7HN. MBNA is a trading style of Lloyds Bank plc. Works exclusively with Lloyds Bank plc.Personal loans: for personal (unsecured) loans, MBNA Limited: MBNA Limited is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2017, Register Number: 204487 for the provision of payment services. Authorised and regulated by the Financial Conduct Authority. Registered in England and Wales under company number 02783251. Registered Office: Cawley House, Chester Business Park, Chester CH4 9FB. Who do you report this to? Would it even do any good? Floating my $77 for seven days, along with who knows how many other of their customers money, collectively could earn a tidy sum in interest over the course of a year.ДЄnyway, stay away from Vanilla Visa.Credit cards: are issued by MBNA Limited. When I presented that info to Vanilla Visa, they then claimed that they were required by Visa to hold the extra amount for seven days in case the merchant needed access to the funds. The merchant however supplied me with the transaction record, and did not charge me more then the purchase price. Vanilla Visa, however, deducted twice that amount from my balance on this transaction, claiming it was the merchant who authorized the hold on the doubled amount. My first transaction was an online purchase from a very reputable company for $77. will not use a vanilla visa gift card.Д«eware of Vanilla Visa Gift Cards. Same thing happened to me, what a freaking scam to shave some interest. Some people just don't know how merchant processing works. It's getting difficult to discern nowadays what's fake and what's not. So I was wondering if say the user of the Vanilla Visa gift card had purchased the Vanilla gift card using a different credit card that was stolen/counterfeit, or if the Vanilla Visa card was encoded with legitimate account data that was skimmed/stolen OR if the Vanilla Visa card itself was a fake/counterfeit card loaded with stolen account holder info. Is Vanilla Visa a legit company? As a merchant I've dealt with a couple incidents where the buyers used Vanilla Visa gift cards that turned out to be reported as a fraudulent transactions. Bottom line my in-laws lost $100 purchasing a Vanilla Gift card at Walmart in Pearl City, Hawaii. Who knows how many times this has happened? Scary to think that these big companies can get away with this without any consequences. All this lost time and energy over a $100 gift card. The Walmart customer service representative said she would call Walmart in Pearl City to check the cameras to see if the cashier switched cards by accident or on purpose.ДЄnother investigation is open and no one has called back. I called my in-laws and they said they pulled it off the shelf and paid for it. We asked how can that be? She said maybe the cashier gave my in laws an inactivated card on accident. She said we cannot return the card because the card paid for and the card we have is different. She called the Vanilla card phone number and they said that card is not activated. After standing in line we finally talk to the customer service representative. The gift card came with a receipt so we took the card to the nearest Walmart to get it returned. We are now feeling that this is not right. On the fifth day after no follow up, we called again and they said that there is no activity on our complaint. We called Vanilla's customer service and they took down all of our information and said someone should call in three days. We went to Target in Hilo to buy a $34 toy for my son and the card was declined. My wife received a $100 Vanilla gift card from the in laws bought at Walmart in Pear City Hawaii. If you want to buy from Amazon, just get an Amazon Gift Card! But whatever you do, be wary of Vanilla Visa Gift Cards. I have used Vanilla Visa cards without a problem for a year or so, but in the last month, my purchases using Vanilla Visa are being declined, especially on Amazon.

Vanilla gift card activate