Baby Phat Rush Card - Review
The baby phat rush card is a prepaid credit card. It was created by Russell Simmons he co founded the popular Def Jam record label.
The baby phat prepaid card works this way; you make a deposit on your card, then you can use your card to make purchases, then the funds to pay for those purchases are deducted from your card. The card offers 100% guaranteed approval.
There is no credit or chex systems check. The baby phat rush card is issued in a pink design and the rush card is issued in a black design.
With this card you have free direct deposit. To enroll in this you only have to fill out a form and turn that into your employer or payroll department.
Then your paychecks will be directly deposited into your rush card account. You will still receive pay stubs to inform you of hours worked and what your deposit is.
This card can be used at ATM's over 800,000 locations throughout the world. In addition you get free online account access.
You can make purchases using your rush card online and over the phone. You can also use your account and write physical paper checks.
To use this feature you visit the website and input the person or business that you want to write a check to. This includes name, amount of payment and address.
Then a physical check in your name is sent to the payee. This is a great way to pay your bills, no more buying money orders.
With this service and direct deposit you will also save money by not having to pay for check cashing fees.
However, we do not recommend the rush card. This is because of the number of fees they have that other prepaid cards do not carry.
An example of these fees is the convenience fee the rush card has. With this fee you are charged every time you use your card.
You will be charged $1.00 with a maximum charge of $10.00 a month. However during a month you will be charged $1.00 for every transaction you make using your card.
You will have to wait till the end of the month and full calendar month later to have your extra charges refunded to your account.
This can work out to you waiting almost a full two months before you are refunded for your extra charges. This is insane, furthermore who only uses their card ten times in a month?
It's hard to believe that someone can be charged these fees. In addition having to wait so long to get your refund.
Also with the rush card in order to use bill pay you must pay $2.00 and then an additional $1.00 for every check you write. There are many prepaid cards that offer this service for free.
The rush card claims there are no hidden fees however that seems to be a very contradictory statement. Especially when you are forced to read the fine print to discover that you will be charged one dollar for every purchase you make.
In sum, we do not recommend the rush card to anyone. There are good prepaid credit cards; however this is not one of them.
The baby phat prepaid card works this way; you make a deposit on your card, then you can use your card to make purchases, then the funds to pay for those purchases are deducted from your card. The card offers 100% guaranteed approval.
There is no credit or chex systems check. The baby phat rush card is issued in a pink design and the rush card is issued in a black design.
With this card you have free direct deposit. To enroll in this you only have to fill out a form and turn that into your employer or payroll department.
Then your paychecks will be directly deposited into your rush card account. You will still receive pay stubs to inform you of hours worked and what your deposit is.
This card can be used at ATM's over 800,000 locations throughout the world. In addition you get free online account access.
You can make purchases using your rush card online and over the phone. You can also use your account and write physical paper checks.
To use this feature you visit the website and input the person or business that you want to write a check to. This includes name, amount of payment and address.
Then a physical check in your name is sent to the payee. This is a great way to pay your bills, no more buying money orders.
With this service and direct deposit you will also save money by not having to pay for check cashing fees.
However, we do not recommend the rush card. This is because of the number of fees they have that other prepaid cards do not carry.
An example of these fees is the convenience fee the rush card has. With this fee you are charged every time you use your card.
You will be charged $1.00 with a maximum charge of $10.00 a month. However during a month you will be charged $1.00 for every transaction you make using your card.
You will have to wait till the end of the month and full calendar month later to have your extra charges refunded to your account.
This can work out to you waiting almost a full two months before you are refunded for your extra charges. This is insane, furthermore who only uses their card ten times in a month?
It's hard to believe that someone can be charged these fees. In addition having to wait so long to get your refund.
Also with the rush card in order to use bill pay you must pay $2.00 and then an additional $1.00 for every check you write. There are many prepaid cards that offer this service for free.
The rush card claims there are no hidden fees however that seems to be a very contradictory statement. Especially when you are forced to read the fine print to discover that you will be charged one dollar for every purchase you make.
In sum, we do not recommend the rush card to anyone. There are good prepaid credit cards; however this is not one of them.
About the Author:
Instead we suggest the account now visa they offer free activation, free direct deposit, free credit builder & free bill pay. We also suggest the all access card to read a review visit us.
posted by Debt Consolidation Loan at
7:59 AM
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