Review of the Visa Prepaid Cash Card

The Visa Prepaid Cash Card was last reviewed on : 1st Febuary 2005

Summary - The Visa Prepaid Cash Card is a debit card that enrolls in the creditBUILDER program. This program reports your activities to credit bureaus for 12 months and hence helps to rebuild your credit.

You need $159.95 to set up a Visa Prepaid Cash Card. Firstly, there is a one-time application fee of $59.95, a one-time processing fee of $90.00 and an additional $10.00 for a minimum first time load. The maintanence fee is $4.95 for maintaining the holographic debit card and $3.95 for maintaining the ATM card. Hence, your total annual maintanence fee is $106.80. The Visa Prepaid Cash Card charges fees for most transactions but does not charge for Point of Sales withdrawal.

For the creditBUILDER program, you have to send from your bank account $29.95 every months for 12 months. $19.95 will be reported as payments to your card and you will be credited with a rebate of $10.00 into your card.

As with most debit card, there is no income or employment checks.

The The Visa� PrePaid Cash Card will suit those looking to rebuild their credit through the creditBUILDER program.

Positives
* Allows you to enroll in creditBUILDER program to rebuild your credit history.

Negatives
* High Monthly Maintanence Fee
* Fees for most transactions


Visa Prepaid Cash Card
Cost/Fees
Annual Fee$No annual fee
Monthly Maintanence Fee$4.95 (Holographic Debit Card)
$3.95 (ATM Card) Withdrawal limit is $300 a day
Application Fee$59.95
Processing Fee$90.00
Creditbuilder Payments$29.95 from bank account of which $10.00 will be returned as a credit to your card
Card to Card Reload Fee$1.00
Bank Account to Card Reload Fee$1.00
Direct Deposit Reload Fee$1.00
Purchase at Merchant Fee$0.50
Purchase Online Fee0.50
Telephone Purchase Fee$0.50
ATM Withdrawal Fee$1.50, 1.5% of transaction amount for international withdrawal
Point of Sale Withdrawal Fee$0.00
Live Teller Withdrawal Fee$1.50
ATM Balance Inquiry$1.00
Online Balance Inquiry/Service Fee$0.10
Automated Telephone Inquiry/Service Fee$0.50
Customer Live Call Fee$3.00
Paper Statement Fee$5.00
Card replacement/cancellation/reactivation Fee$5.00
Maximum LoadNot less than $25.00 and not more than $500.00 for each load
Not more than $1,500 a day or $5,000 a week
ATM Withdrawal Limits$300.00 within 24 hours

Apply for the The Visa� PrePaid Cash Card




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