I received a Vanilla Mastercard as a gift and it was DECLINED every time I tried to use it. I did not want to embarass the gift giver so I put it away and tried again later. Seems like many places will not redeem it! When I logged onto the site they show they are deducting a "service fee" for NOT USING THE CARD. When I called - you guessed it - ETERNAL HOLD. Turns out the company TAKES AWAY your card value month by month in "service fees." WTF? They get $50 for the card, they get to work with or invest that cash and then they take away a monthly fee for - what? - storage in my wallet??? I think Vanilla Master Card is a SCAM. read full review »