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First Progress Credit Card Review

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first-progress-platinum-selectFirst Progress offers a starter or second-chance credit card that is tailored towards individuals with no or low credit. As such, it doesn’t have many of the features or benefits of a typical, or unsecured, credit card. At the same time, this might be the right card for you if you’re just looking for something basic and easy to obtain.

Credit Limit
Secured cards are like debit cards in some ways. They require you to fund the card directly before purchases are made, but most secured cards do have a strict maximum limit. The First Progress card has a minimum of $300 and an overall maximum of $2,000. Your actual maximum will be determined during the approval process. It can be as low as $500, or it might reach the full $2,000.

Before getting this card, you must send the minimum deposit along with your application. Though very unlikely, if you’re declined for some reason, then the deposit will be send back to you in the form of a check. You can also request your money back at any time if you wish to close the card.

According to many reviews, First Progress used to offer online payments that allowed you to send the money electronically, but it seems like they recently changed to physical mail only.

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Prepaid Card Review – All Access Visa

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The All Access Visa is a great choice for a prepaid credit card. It will give you free direct deposit, free account alerts, free bill pay and more.

It offers guaranteed approval for everyone. It does not matter how bad your credit history is, or even if you have been placed into chexsystems.

One of the more unique benefits is it offers a free savings account. They do this to encourage savings and you will be able to earn 5% APR on your savings account.

You can also have 3 additional cards issued to you for your friends or family members. This can be used to help teach your children how to manage money.

It is free to transfer money from one card to another. This can be used to transfer money to a child away at college or a spouse.

This is ideal for students who still rely upon their parents for some financial assistance. Should you find yourself in a position where you need cash your card is accepted at over 1 million ATM locations.

You also can sign up to get free account alerts, via text messaging, and e-mail. There is zero liability for unauthorized purchases.

If you use direct deposit this will save you hundreds of dollars a year by not having to pay for check cashing fees ever again. You can also choose to use bill pay which is a method to pay your bills; this will save you money by not having to purchase costly money orders.

It can be used to book hotel reservations and to rent a car. It is accepted online and over the phone.

You can deposit funds at cash locations, additional retail locations (including many gas stations), direct deposit and even using pay pal.

In sum, we do suggest the prepaid All Access Visa. You will never pay interest or be charged an over the limit fee or overdraft fee again.

For more about the All Access Visa a suggested prepaid credit card visit us.

Additionally if you would like a free credit consultation call 1-800-483-0256.

Article Source: http://EzineArticles.com/?expert=Daniel_Moskel

Walmart MoneyCard Customer Service

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You have three options to reach customer service for your Walmart Money Card. You can call Walmart MoneyCard support, visit a Walmart store, or send an email. The best way to get the help you need is by emailing customer support.

Email Customer Support

The best way to reach customer support is through the online email option. You will not get an immediate response, but this has been rated at the most effective way to get your problem resolved.

Visit Walmart Support here and fill in the information that is requested. We recommend to be as detailed as possible although you are limited to 300 characters in total. Do not reveal your specific account information, pin number or card transaction history.

You will get a call back from Walmart customer service.

Fill out this form for the best MoneyCard Support

Call Walmart Money Card Support

The MoneyCard support team can be reached at 1-877-937-4098. You will be put on hold and depending on how you received your card, you may not be eligible to speak with a real person. This is why we recommend that you submit the email form and just wait for a response. You don’t want to waste your time on the phone only to find out that they can’t assist you!

Visit Walmart Financial Centers

Visit your local Walmart financial center to find out more information about your account. Use this free locator to find the nearest Walmart to you. Warning: not all locations have a financial center so we recommend that you call ahead.

Suze Orman Prepaid Card Review

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The personal finance guru Suze Orman jsut released her own prepaid debit card called Approved. Orman claims that there is only a $3 monthly fee for the Approval Card if you use it exactly as she says. This is another celebrity that has moved into the prepaid card space like the Kardashian’s who were unsuccessful and Richard Simmons who is very successful with his Rush Card promotion.

Suze Orman Approved Card Perks

The Approved Card from Suze Orman costs only $3 to activate which is very good, but it also comes with a $3 monthly fee. There are $2 ATM fees at any Allpoint ATM that are commonly found at your local CVS or Walgreen’s locations. However, if you choose direct deposit it will waive any ATM fee’s which is a very good perk.

You can also have the ATM fee waived with a bank transfer of a minimum of $20 balance. The card also comes with unlimited access to  your TransUnion Credit Scores for One Year, but it’s important to note that these are not the same as FICO scores.

Suze Orman Approved Card Cons

For some reason Mrs. Orman thought that it would be a good idea to charge customers if they want to speak to a customer service representative. We are highly against this practice and think that if you need help accessing your money, it should be free! The Approved Card also comes with a $1 fee for making online bill payments, which is another negative.

Final Thoughts

Suze Orman is definitely staying far away from the Kardashian route of charging exuberant fees for a prepaid debit card, but she is definitely using her star power and position to try and make additional money. The features aren’t too outstanding but given the fact that you can only pay a $3 monthly fee if you use direct deposit, it makes sense to use the card. You definitely have other options, but the Suze Orman prepaid card is not a rip off and can help benefit your credit score.

If you have this card and have any questions or comments, leave them below.

 

Young Money Debit Card Review

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The Young Money Debit Card is a prepaid debit card that can be used just like a regular credit card. The only difference is that because it is a prepaid card, you can only spend the money that you deposit onto your account. Once you load your Young Money Card with funds, you will be able to shop online, eat at restaurants and withdrawal money at the ATM. It’s a lot more convenient than carrying cash and is safer as well.

The Young Money Card was launched by Young Money Entertainment and its founder Lil Wayne. It is their way to allow underbanked or people who do not trust banks to have the same benefits of traditional credit card holders or debit card users. The major benefit is that with a prepaid card, you will never be driven into debt or be forced to pay the excessive fees from credit cards.

Young Money Prepaid Debit Card Features

  • Access to your money faster with free direct deposit onto your prepaid card
  • Online bill pay for all of your utilities, home, auto or other bills
  • Savings card program that includes prescription, imaging & laboratory discounts
  • Text and email alerts if your balance is ever low

The Young Money Discover Card is also backed by the Discover Card Fraud Protection. This means if your card is ever lost or stolen, you will not be responsible for the lost funds. This can provide a major relief when using a credit card, because there are so many areas for potential fraud. Having Discover Card guarantee your funds and back them in the event that your card is stolen makes using a prepaid card much safer than carrying cash.

 

 

Prepaid Debit Cards Available at Wal-Mart

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Walmart has a wide variety of prepaid debit cards available for purchase and activation in their stores. A prepaid debit card is just like a regular credit card, except you can only spend up to the amount of money that you load onto the card. You can use the card to shop online, eat out at restaurants and even withdrawal cash from the ATM.

You are able to load or reload (add more funds) to your prepaid debit card at any Walmart location. Just visit the Walmart moneycenter inside the store and the customer service representatives will help you handle the transaction. Also be aware that you will have to pay some sort of activation fee when you first start using the card that ranges anywhere form $5.95 to $10.00.

The Walmart Money Card is by far the most popular prepaid card available on the market and it’s highly recommended to all readers of this blog.

Prepaid Debit Cards Available at Wal-Mart

  • Walmart MoneyCard Visa
  • Walmart MoneyCard MasterCard
  • American Express Prepaid Gift Card
  • Visa Prepaid Gift Card
  • MasterCard Prepaid Gift Card
  • Green Dot MoneyPak

Western Union Prepaid Card Customer Service is the Worst

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The Western Union Prepaid Cards are very good options as they come with great benefits such as the long standing name brand of Western Union, thousands of locations across the globe, and a unique online account login feature. But, we have been able to determine that Western Union has the worst customer service out of all of the prepaid cards.

People are having a really difficult time getting in contact with Western Union when they have an issue with their prepaid card. This is starting with being hung up on when they reach the customer service line, to being put on hold for hours, or not even being able to get through to a customer service representative. 

Here are some quotes from customers that we found about Western Union Customer Service.

Western union card service customer service is the worst. No one knows anything and something happens, if your card get blocked you get tired excuses and lame apologies. And most importantly everyone speaks with a thick accent in customer service which creates a language barrier problem. Stick with the walmart card and have answers and that way you won’t be given the runaround.

Customer Support is non existant. Call the number on the card, you talk to someone in what sounds like India. Call the number on the website you end up talking to someone in El Salvador. They claim they can’t see your Balance, but refuse to acknowledge a discrepancy. Oh the 1-800-325-600 number from El Salvador put me on hold kept checking to see if I was still there than finally just hung up on me. Who can we talk to, that can acctually help?

Wow, people seem to be really upset about this card and this is why we have labeled it the WORST PREPAID CARD. Do not purchase the Western Union Prepaid Card, instead look for your other options like the Rush Card or Walmart Money Card. 

Most Popular Prepaid Gas Cards

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Prepaid Gas Cards are a great way to show someone that you appreciate them or thank them for a job well done. With the constantly high and rising price of gasoline, a prepaid gas card is the ultimate convenience for some people. There’s nothing like filling up your car, truck or suv at the pump and not having to shell the money out of your own pocket. 

You can use the prepaid gas card directly at the pump for most merchants, unlike with a prepaid debit card. For prepaid debit cards like the Rush Card, you will have to go inside the store and pre authorize the funds at the counter. 

The most popular prepaid gas cards are ones that can be used at the most amount of locations. Depending on the area of the country that you live in, there could also be other merchants like Wawa, Sheetz, or other smaller type that is popular as well.

People love Exxon Prepaid Gas Cards

Exxon Mobile – Exxon Mobile gas cards are the most popular gas cards due to the amount of locations in the United States. You can literally find and Exxon at almost every exit on every major highway. 

BP Gas – Even though BP lost some of its reputation given the oil spill in the Gulf of Mexico, they are still very popular gas gift cards and can be used at all locations. 

Shell – Shell gas cards are probably the best looking cards and some Shell stations offer full food servings that can be great for a hungry stomach after a long day of driving. 

Sunoco – Sunoco cards are less popular than the top three, but still remain a good choice for prepaid gas gift cards. Look for a Sunoco with an APlus convenience store attached.