Update: You can no longer purchase Vanilla Reload cards using a credit card and Vanilla Reloads are no longer available in Office Depot.
It’s a well-known fact that getting credit cards for lucrative sign-up bonuses and then putting everyday purchases on your card will earn you points. Did you think it would be impossible to spend $30,000 to get that British Airways Visa Travel Together Ticket? Well now that you can pay your rent, utilities and withdraw money from these cards, hitting those lofty spend thresholds is much easier than it has ever been before. The intention of these products is to allow people to conveniently and securely spend and send money. Also, not all retailers will allow you to purchase some of the products listed with a  points-earning credit card. However, using cards that give elite status and major perks in addition to regular miles, might be just as lucrative as getting a multiple of points on every purchase. Editorial Disclaimer: Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Bills, bills, bills: Ofcom said that Virgin Media will deal more 'sympathetically' with customers in future after This is Money alerted them to a case where a customer could not cancel.
Baffled: Mr Carney was told he would have to pay a fee to leave by Virgin Media - the firm insists this was a one-off occurrence. Rise: The letter from Virgin to Mr Carney didn't have a specific date on it - so he didn't know how long he had to cancel. At present, Ofcom says telecoms firms must notify customers of the change in price and cancellation rights. How to leave: The information about leaving his contract was on the back page of the letter and directed him to a web link. The views expressed in the contents above are those of our users and do not necessarily reflect the views of MailOnline.


About the Author Latest PostsAbout KimboKimbo blogs at A girl and a glue gun--where she puts her hot glue gun to good use (as well as her vinyl cutter and sewing machine) She loves all crafts and is thrifty (the nice way to say she's cheap) So she is constantly trying to come up with fast and easy projects that won't break the bank! Disclosure of Material Connection: I received products or services that I have mentioned in some of my posts from the companies for free in hopes that I would review and mention the product or services on my blog. However, when you try to use your card to pay big bills like mortgages, rent and car payments you’ll usually get hit with nasty processing fees, usually around 3%, which can easily negate the value of the points earned from the spend. While new financial regulations have made debit card transactions much less profitable for banks (and thus we’ve seen most drop the mileage earning ability on debit cards) there has been a proliferation of prepaid card products that are aimed at consumers who may not have or be able to get traditional credit cards, but want the flexibility of being able to pay bills electronically and send and access money easily.
In fact, different stores within the same chain may have different policies, so it may take a little bit of trial and error to create a strategy that works for you, but once you figure it out, it can absolutely be worth your while. She lives in Idaho with her hot husband and 3 kiddos.Awesome Office Supplies that will complete your life - August 11, 2016Sunday shoutouts - August 7, 2016Glue gun cake toppers!
I only recommend products or services that I would or have used personally and LOVED and know that my readers would love too. So most people just make direct payments from their checking and savings accounts and are forced to lose out on any points earned from those expenses. This is a huge opportunity for traditional credit card companies to score millions of new customers with little risk and a lot of upside. That being said, they are extremely sensitive to any activity that might indicate money laundering (loading of funds and instant withdrawal of cash) and credit card cards are also wary of people who may look like credit risks (mixing out their cards to buy cash equivalent products right before declaring bankruptcy), so I’d recommend only using these products for their intended purposes and taking a slow, sensible approach. I personally have been able to purchase products at Office Depot, Walgreens, CVS and Rite Aid with no issues at all, though be prepared to show identification. Reload products cannot be used to purchase items – only to reload prepaid cards or Bluebird cards.
Be very careful to not accidentally purchase a Vanilla Prepaid card when you really mean to get a Vanilla Reload, because Prepaid cards cannot be loaded into your Bluebird account, but instead can be used just like any Visa card to make everyday purchases.


These cards can be used to load PayPal accounts and PayPal allows you to transfer money for free to other people or your own checking account.
Netspend is another prepaid product that has more fees than most other products, but allows you to load more money ($7,500 in any 24 hour period) and withdraw up to $940 per 24 hours, which might be ideal for big payments, like taxes. There aren’t a ton of mileage-earning debit cards out there anymore, but the following might make sense not only to use with prepaid cards, but also with paying taxes with lower fees. You don’t have to use the ones that give the best category spend bonuses, but doing so makes everything more lucrative and time worthy.
So in the case of Vanilla Reload, perhaps the sweetest and cheapest reload product, you can purchase a $500 card with your points earning credit card at many retailers across the US (including Walgreens and CVS). You only want to purchase these at stores that give a spend bonus, like 5x at office supply stores or 6x at drug stores, and then use them for everyday spend or to even purchase Vanilla Reload cards, which can then be loaded into your Bluebird account. Note: PayPal is very strict with compliance and will shut your account down if you simply load your account with Green Dot cards and then withdraw the funds. The cost is $3.95 for a $500 card and that card can instantly be loaded into Bluebird account (up to $5,000 per month). Instead, get a PayPal debit card and then load your Bluebird account using that card in store at any Walmart. Bluebird has the ability to cut anyone a check for free and you can even withdraw money from ATMs. It is possible to earn many more points depending on where you buy the card and with what credit card, so see #10 below for more maximization tips.



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