Credit Card Review & Application

YAP MasterCard Prepaid Card


out of 5

- Send and Receive Money Securely With Your Mobile Phone
- FREE MasterCard Prepaid Card & FREE Shipping
- FREE Instant Virtual Card – Shop Online Today!
- FREE Direct Deposit
- FREE Unlimited Purchase/ Signature Transactions
- FREE Check Your Balance With a Text Message
- $0 Activation Fee
- $0 First Monthly Fee – Try it For FREE
- $0 Monthly Fee When You Load at Least $500 Per Month (Otherwise Only $5!)
- No Hidden Fees / No Overdraft Fees
- Fully FDIC Insured
- No Credit Check/ No Bank Account Required
- FREE Account Management – Over the phone, online, with iPhone Yapplet, WAP site or text messages.

Introductory APR: N/A*
Introductory Period: 1 month
APR on Purchases: N/A *
Annual Fee: N/A*
Card Issuer: Horizon Bank SSB
Card Network: MasterCard®
Card Category: Consumer (Stored Value)
Card Type: - Card for Bad Credit
- Co-Branded Card
- Guaranteed Approval
- Prepaid Debit Card
Credit Needed: Bad Credit OK*

The YAP MasterCard is a prepaid card that works similar to a debit card, except you can control the amount of money you spend. Unlike general debit cards or credit cards, if you go over your limit, you get slapped with expensive overdraft or over-limit fees. With a prepaid card, you do not ever have to worry about paying those unwanted fees. When you do not have much money in the first place and then you are slapped with a bunch of fees, you are even more in debt than you were before.

This MasterCard is a unique card because you can use your mobile phone to control it. You can have money instantly transferred with your mobile phone. Not many credit cards or debit cards are designed to work through SMS, or rather text messaging. YAP can save you both time and money that other credit and debit cards do not offer. When you want to keep more of the money you earn rather than pay expensive monthly or annual payments or fees, you have the opportunity to choose a prepaid card that can offer you more.

YAP also offers little to no fees for service. YAP offers simple fees that are easy to keep track of because there are not many and they are not expensive. There are no hidden fees. Many cardholders discover too late that their cards come with hidden fees. It can come as a shock when you are charged a fee you were not aware existed; however, you can relax and worry less about paying more out of your pocket when you use this card. You can keep your money and spend it on what you want, rather than on fees.

Loading your card is simple and easy. When it comes to figuring out how much you want to load your card you have many options to choose from. Cardholders can load money via direct deposit, via SMS (text messaging), via your bank account, a participating retailer, and online. Direct deposit is the easiest and fastest way to load money onto your card and it is free. If you wish you can have your employment check, or a portion of it, direct deposited onto your card to pay the bills or for emergencies.

Using your YAP card is simple and easy. Your card can be used anywhere the MasterCard logo is accepted worldwide which includes millions of places to choose from and shop at.

The review prepared by . Opinions expressed therein are solely those of the reviewer.

Other Benefits: - Send money within the US from your mobile phone
- Safer than cash
- Your funds are fully FDIC-insured
- Easy budgeting - spend only what you have!
- Manage your account online
- Free Direct Deposit
- Manage YAP features using your mobile phone
- Many easy and convenient ways to reload your card
Comments: * The monthly fee is waived when you load at least $500/month on your YAP Card, during the previous month.
Online Account Access: Yes
100% Guarantee Approval: Yes
Introductory APR: N/A*
Introductory Period: 1 month*
APR on Purchases: N/A *
Annual Fee: N/A*
Grace Period: None**
Late Payment Fee: $0.00*
Over Limit Fee: $0.00
Balance Transfer: No
Opening Minimum: $10.00
Application Fee: $0.00
ATM Fee: $2.00
Additional Fees - Currency conversion for international transactions: 2%
Activation - FREE
Check last YAP Mobile transaction - FREE
Check your balance at an ATM - $0.50
Domestic purchases with signature or PIN - FREE
Load card with direct deposit - FREE
Monthly Account Fee after Intro - $5.00
Online account statements - FREE
Send money via SMS - $0.50
Send money via Yapplet or website - FREE
Transfer money from bank account - FREE
Withdraw cash from an ATM - $2.00
YAP MasterCard Prepaid Card - FREE
YAP MasterCard Shipping and Handling - FREE
YAP Mobile: Check your Card balance - FREE
YAP Mobile: Receive money - FREE

We do not offer online application for this card at the moment.

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† The information provided for YAP™ MasterCard Prepaid Card is believed to be accurate at the time of evaluation (Mar 23, 2014). 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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