Credit Card Review & Application

nFinanSe Visa Reloadable Prepaid Debit Card

4.0

out of 5

- FREE Card – no shipping or application fees
- FREE $5.00 added to card with first value load of $50 or more
- FREE employer direct deposit
- FREE PIN and signature transactions
- FREE 24/7 bilingual customer service
- FREE bank-to-card transfer
- FREE purchase and balance notifications sent to cell phone or email address after each use
- Low monthly and reload fees of only $2.95
- Get cash at participating ATMs
- Add money at over 80,000 nationwide locations
- Use at millions of merchant locations nationwide, including online



Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: N/A *
Annual Fee: N/A*
Card Issuer: Other Issuers
Card Network: VISA®
Card Category: Consumer (Stored Value)
Card Type: - Card for Bad Credit
- Guaranteed Approval
- Prepaid Debit Card
- Teen Debit Card
Credit Needed: Bad Credit OK*

by

The nFinanSe Visa Reloadable Prepaid Card is a prepaid card that is not like some. Cardholders are able to spend only what is on the card rather than more than what is on the card, which eliminates overdraft fees. Cardholders can shop securely online, use the card to store emergency funds, and use it to shop offline. Online and offline bills can also be paid with the card. For those who have difficulty opening a checking account or getting a credit card, this card can be a great way to have the spending power and manage personal funds.

There are three ways cash can be deposited. The first way is through free employer direct deposit. The second is at tens of thousands of reload locations in which the fee is determined by the distributor. These locations can be found by visiting the card's website or calling the toll-free number on the back of the card. Bank-to-card transfers are also possible when adding funds and are free. It is also possible to add funds using Western Union or MoneyGram.

The monthly fee that is involved is very low. The fee to load funds onto the card through a reload center is also quite low. There is also a low ATM withdrawal fee, which is in addition to any fees charged by the ATM machine’s owner. As for overdraft fees there are none. This is because cardholders are only allowed to charge what is in the account and nothing more.

There is a maximum amount that can be added to the account and that is $5,000. That is the maximum amount that can be maintained on the card at a time.

The card is issued by Palm Desert National Bank and is considered to be the ideal companion for online and offline bill payments, online and offline purchases, renting cars, reserving hotel rooms, and so much more. It is accepted worldwide where Visa is accepted.

Because this card is a prepaid card, it is an ideal way to manage funds. An issue many with credit cards and checking accounts face is that it is possible to spend more money than what is in the account, resulting in very expensive fees. That does not happen with a prepaid debit card.

Rewards: - Get $5.00 added to card with first $50 or more load
Online Account Access: Yes
100% Guarantee Approval: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: N/A *
Annual Fee: N/A*
Grace Period: N/A*
Late Payment Fee: N/A*
Balance Transfer: No
Opening Minimum: $10.00
Application Fee: $0.00
Additional Fees  
Application fees - FREE
Balance notifications (cell, email) - FREE
Bank-to-card transfer - FREE
Customer service - FREE
Employer direct deposit - FREE
Monthly maintenance fee - $2.95
PIN and signature transactions fee - FREE
Purchase fee (cell, email) - FREE
Reload fees - $2.95
Shipping fee - FREE
We do not offer online application for this card at the moment.


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† The information provided for nFinanSe Visa Reloadable Prepaid Debit Card is believed to be accurate at the time of evaluation (May 11, 2011). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.




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