I tried loading my vanilla visa that I bought from OD at Target as credit, but it was rejected. I have done this same transaction about 2 dozen times with Visa gift cards from staples, and never run into this problem. Am I supposed to wait a few hours for the vanilla card to "activate"? I even tried loading it as debit, that didn't work either. When I call the number on the back of the gift card, the funds are there.