Credit Card Review & Application
|Card Category:||Consumer (Stored Value)|
|Card Type:||- Card for Bad Credit|
- Co-Branded Credit Card
- Guaranteed Approval
- Prepaid Debit Card
- Tax Refund Card
- Reward Card
|Credit Needed:||Bad Credit OK*|
The Western Union Prepaid MasterCard is very easy to apply for. As long as you have money to get the card opened, you are able to begin experiencing the benefits of a MasterCard. The card is accepted everywhere that MasterCard is, which means you have access to millions of merchants across the globe.
You can shop online or in person. You can make purchases for hotels, airline tickets, clothes and much more. You can also take cash out from any ATM machine with your personalized PIN number which you will receive.
You are able to load the card with more money very easily. The card has four different ways to put money on the card so that you always have money on your Prepaid MasterCard. You can visit any Western Union store to have cash applied to your card by an agent.
You may also choose to have your paycheck direct deposited onto your credit card. It is possible to receive a Western Union money transfer on your card when money is tight. You can also transfer money right over from your bank account.
There are no fees for using the card. There are no transaction fees or monthly maintenance fees. You can feel free to use the card whenever and wherever you want without fear of wasting your money on bank fees. Plus, since the card is prepaid, there are no overdraft fees or late payment fees to deal with, either.
You are in complete control of your money. You are able to go online and check out your account status. You will be able to see how much money you have and also find out what purchases you have recently made on the card. You can even set up email or text notifications when you reach a certain balance so that you know when you need to put more money onto the card.
Finally, your money is protected more than it is with cash, making the Western Union Prepaid MasterCard a very easy decision. MasterCard has a Zero Liability Policy that extends to their prepaid cards.
If your card is lost or stolen, you are not liable for any of the charges made on the account. They will replace the card for free, too. You can't say the same thing about cash, so it makes sense to have this card to protect your money in the best way possible.
Customer service is available online and over the phone should you ever have questions about your account. You can ask as many questions as you want to and have all of them answered promptly.
|Rewards:||- Enroll in direct deposit and receive a free $10 bonus|
|Other Benefits:||*See website for additional benefits|
|Online Account Access:||Yes|
|100% Guarantee Approval:||Yes|
|APR on Purchases:||N/A *|
|Late Payment Fee:||N/A*|
|Additional Fees|| |
ATM Balance Inquiry Fee - $0.45
ATM Withdrawal Fee - $1.95
Agent Location Cash Load Fee - $4.95
Automated Phone Customer Service - FREE
Bank to Card Transfer Fee - $1.00
Decline Fee - $0.45
Employer Payroll Payments - FREE
Government Benefit Payments - FREE
Inactivity Fee - $2.50
Live Customer Service - FREE
Monthly Maintenance Fee - FREE
Online Electronic Statement - FREE
PIN Purchase Transaction Fee - FREE
Paper Statement Fee - $3.00
Reissue Card Fee - $5.00
SMS and Email Notifications - FREE
Signature Purchase Fee - FREE
|We do not offer online application for this card at the moment.|
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† The information provided for Western Union MoneyWise Prepaid MasterCard is believed to be accurate at the time of evaluation (Jul 19, 2012). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.