WHAT IS A VISA OR MASTERCARD STORED VALUED CARD?
A STORED VALUED VISA OR MASTERCARD HAS THE PURCHASING POWER OF A CREDIT CARD BUT THE SECURITY AND CONVIENANCE OF A DEBIT CARD. YOU CAN USE THIS CARD ANYWHERE VISA AND MASTERCARDS ARE ACCEPTED. CERTAIN CARDS HAVE THE CIRRUS AND MAESTRO LOGOS AND YOU CAN USE THOSE CARDS WHERE THOSE ARE ACCEPTED AS WELL: HOTELS, RENTAL CARS, DINING OUT, SHOPPING, GAS STATIONS, INTERNET, ETC! YOUR PREPAID CARD WORKS LIKE A TRADITIONAL CREDIT CARD WITHOUT THE CREDIT LINE. INSTEAD OF ISSUING A LINE OF CREDIT YOU PRE-PAY THE AMOUNT ON YOUR CARD WHAT YOU DESIRE TO SPEND. YOU ARE ALWAYS IN CONTROL OF THE AVAILIBLE BALANCE FROM THE AMOUNT YOU DEPOSIT.
HOW DO I ADD MONEY TO MY CARD?
YOU MAY GO TO THE RETAILER WHERE YOU FIRST PURCHASED YOUR CARD TO ADD MONEY TO YOUR CARD. THERE IS A RELOAD FEE THAT IS CHARGED TO DO THIS. FEES VARY AND THEY USUALLY ARE UNDER $5.00. YOU CAN ALSO RELOAD YOUR CARD ONLINE. CERTAIN COMPANIES ALLOW YOU TO MAIL A CHECK OR MONEY ORDER TO THE COMPANY THAT ISSUED YOUR CARD. PLEASE CHECK YOUR CARD POLICY TO FULLY UNDERSTAND YOUR OPTIONS BECAUSE THEY DO VARY.
CAN I WITHDRAW MONEY FROM AN ATM MACHINE WITH MY CARD?
YES! YOU CAN USE YOUR CARD AT ANY ATM MACHINE THAT DISPLAYS THE VISA, MASTERCARD, CIRRUS, OR MAESTRO LOGOS ACCORDING TO WHAT YOUR CARD HAS.
DOES USING THIS CARD BUILD MY CREDIT RATING?
NO. BECAUSE IT IS PREPAID CARD AND NO LINE OF CREDIT IS ISSUED THIS CARD DOES NOT BUILD CREDIT HISTORY. THERE IS A PREPAID CREDIT CARD COMPANY INCLUDED WITH PACKAGE THAT HAS A CREDIT BUILDING PROGRAM INCLUDED WHEN OBTAINING THE CARD. DETAILED INFORMATION ON THIS PARTICULAR COMPANY IS INCLUDED WITH THIS PACKAGE!
WHAT IF I HAVE BAD CREDIT OR BANKRUPTCY? CAN I STILL QUALIFY FOR ANY OF THESE CARDS?
YES! THAT'S THE BEST PART ABOUT THESE CARDS, THEY DO NOT REQUIRE A CREDIT CHECK! YOU ARE APPROVED REGARDLESS OF YOUR CREDIT HISTORY! GUARENTEED!
WHAT IS MY LIMIT WHEN USING THIS CARD?
IT VARIES DEPENDING ON THE COMPANY POLICIES. CERTAIN CARDS HAVE LIMITS FROM $250, $500, $1000, $2500 AND OTHER CARDS HAVE NO LIMIT AT ALL! BEFORE OBTAINING A CARD BE SURE TO CHECK THEIR POLICIES AND LIMITS.
CAN I USE THIS CARD TO PAY MY BILLS IN PERSON, OVER THE PHONE, AND/OR ONLINE?
YES! YOU CAN PAY FOR YOUR BILLS AS LONG AS THE COMPANIES WHERE YOU ARE PAYING YOUR BILLS ACCEPT PAYMENT BY MASTERCARD, VISA, MAESTRO, OR CIRRUS.
IS THE CARD SAFE TO USE WHEN MAKING PURCHASES?
ABSOLUTELY, IT WORKS JUST LIKE A MASTERCARD. SO WHEN YOU MAKE A PURCHASE REQUIRING A SIGNATURE, THE MERCHANT WILL VERIFY THE SIGNED RECEIPT AGAINST YOUR SIGNATURE ON THE BACK OF THE CARD. YOU WILL ALSO HAVE THE SAFETY OF A PERSONAL PIN (personal identification number) FOR ATM WITHDRAWALS. IN ADDITION IF YOUR CARD IS LOST OR STOLEN YOU ARE NOT LOSING CASH OR PUTTING YOUR CHECKING OR SAVINGS ACCOUNT AT RISK!
WHAT IF I RETURN AN ITEM OR SOMETHING I PURCHASED WITH MY VISA OR MASTERCARD?
IT OPERATES JUST LIKE ALL VISAS AND MASTERCARDS DO, A REFUND WILL BE TRANSFERRED TO YOUR ACCOUNT WITHIN A COUPLE OF DAYS.
CAN I ACCESS MY ACCOUNT ONLINE?
YES YOU CAN ACCESS YOUR ACCOUNT TRANSACTIONS ONLINE 24 HOURS A DAY 7 DAYS A WEEK! WHEN YOU RECEIVE YOUR CARD, YOU WILL BE PROVIDED WITH AN ONLINE ACCOUNT AND DETAILED INSTRUCTIONS ON HOW TO USE IT.
IS THE VISA OR MASTERCARD A SECURED CARD?
NO. THESE VISA AND MASTERCARDS ARE BETTER THAN THE SECURED VISA AND MASTERCARDS. WHY? BECAUSE THESE CARDS DO NOT REQUIRE YOU TO PUT UP A SECURITY DEPOSIT IN ORDER TO OBTAIN A CARD. IN ADDITION THERE ARE ABSOLUTELY NO INTEREST CHARGES OR CREDIT CHECKS!
