Credit Card Review & Application
- This is not a credit card. You need to deposit your own money before using the card.
- Exclusive Rewards Program
- Credit ScoreTracker* at No Additional Cost
- Easy Mobile Account Access and Text Alerts
- Easy Online Bill Payment & Check Writing
- Free* Direct Deposit - Paycheck, Benefit Checks, Tax Refund Checks
- No Credit Check*, No Overdraft Fees or Balance Minimums
- Reloadable up to $10,000 Max Balance
|APR on Purchases:||N/A *|
|Card Issuer:||The Bancorp Inc.|
|Card Category:||Consumer (Stored Value)|
|Card Type:||- Card for Bad Credit|
- Guaranteed Approval
- Prepaid Debit Card
- Tax Refund Card
|Credit Needed:||Bad Credit OK*|
If you are fed up with the high overdraft or returned check fees that are associated with banking, then prepaid has a lot to offer you. The READYDebit Platinum credit card is a low fee Visa card that allows you to control your spending. Unlike debit cards that are attached to your bank account you will never have to guess if you are going over your limit. You can only spend what you have loaded onto the card. As soon as the purchase is made, the amount is set aside for payment and the aggregate balance is what you have left to spend. Never worry about a venue not getting paid or NSF’s again.
This is the perfect card for those who have bad credit. Many of you cannot get a checking account and are left using money orders to pay your bills. With the Ready Debit Prepaid card you have access to online bill paying for all of your major needs. Pay your utilities, mortgage, and other bills online. If your creditor has a way for you to pay online you can use the prepaid card just like a credit card.
Debit and credit cards are prone to impulse spending. Some of the time even though your funds are insufficient, the bank will allow the purchase and then charge you a fee. Not only that but there are the checks and POS sales that do not get posted right away and you end up with a negative balance and even more fees. One transaction for a small amount can cost hundreds in fees. Banks charge even if they do not pay the bill. How much do you really have to give to big banking concerns? The prepaid debit card is a way to keep more of your cash in your pocket.
Features and benefits include: Free customer service around the clock, Mobile banking also free, Free direct deposits, Access to emergency cash, Can reload it at a lot of places, Fully insured by the FDIC, Online bill pay send checks to anyone, No credit check, Money sharing between two Ready debit cards for free, No worries about bouncing checks ever, No fees for overdrafts.
These are the things that make owning a Ready Debit Platinum Prepaid Visa cards a must. This card can be a lifesaver even if you do not have bad credit. By adding funds to this card you can let your teen go shopping without access to unlimited resources. They are a great way to give allowances. Apply online today.
The review prepared by CreditCardsCo™. Opinions expressed therein are solely those of the reviewer.
|Other Benefits:||- Internet related services|
- Visa's Zero Liability
*See Terms and Conditions of the card
|Online Account Access:||Yes|
|100% Guarantee Approval:||Yes|
|APR on Purchases:||N/A *|
|Late Payment Fee:||N/A*|
|Additional Fees|| |
ACH debit - FREE
ATM Withdrawal - $2.00
ATM Withdrawal Decline - FREE
Automated Phone Account Access - FREE
Bank ACH Transfer - FREE
Bank Teller Cash Advance - $5.00
Currency Conversion - 2%
Direct Deposit - FREE
Expedited Card Delivery - $50.00
Live Customer Service - FREE
Monthly Fee - $14.95*
Negative Balance Fee - N/A
Online Account Access - FREE
PIN Transaction - FREE
POS Transaction Decline - FREE
Paper Statement - $2.00
Replacement Card - $10.00
Retail Cash Load - FREE
Secondary Card - FREE
Signature Transaction - FREE
U.S. ATM Balance Inquiry - FREE
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† The information provided for READYdebit® Platinum Visa® Prepaid Card is believed to be accurate at the time of evaluation (Jan 5, 2017). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.