First 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.
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.
Serve is a Reloadable Prepaid Account that can be used for everyday purchases virtually anywhere American Express® Cards are accepted worldwide. With Serve, you can also send and receive money by email, text, and Facebook and access your Account with the mobile app. Serve has no credit checks, no monthly or annual fees, and no long-term commitments.
There are no fees to set up a scheduled transaction. Please note that your credit card company may charge you a cash advance fee for loading money from your credit card. Please check with your credit card issuer for details.
Direct Deposit is an easy way to fund your Serve® Account from your paycheck. You can have all or part of your paycheck automatically added to your Serve Account through your employer.
If you’ve activated your Serve® Card and your employer participates, you can enroll in Direct Deposit. Just log into your Serve Account and click on Bank & Cards under My Account. There are two ways to enroll. Under Sign Up for Direct Deposit, you’ll see a button to Get Account Information, which will show you the information you’ll need to fill out your employer’s form. Or click Open Form to download the Serve form that you can print, fill out, and give to your employer.
American Express has been innovating commerce since 1850, that’s a rich history of understanding where commerce has been. But technology has changed –– and continues to change –– the way people connect to each other, to their money, and to the businesses they love most.
Serve combines that rich history with new technology and accessible benefits to bring American Express membership to more people.
American Express Serve Prepaid Card Balance Check
You can check your balance through ATM’s, online and or your mobile app.
Check Balance Online
To view your balance or transaction history, log into your Serve Account online. You can view your transaction history and Account balance on your homepage after you’ve logged in. Visit: https://www.serve.com/
Check Balance by Phone
To view your balance or transaction history, log into your Serve Account online using your mobile app. For Serve Account inquiries, you may contact them at 1-800-954-0559, 24 hours a day, seven days a week.
To login to your American Express Serve Prepaid Card Account
You must first create your account on Serve (https://www.serve.com/). Click the “Create Account” button to activate the form for signing up. When you’re finished, you are now ready to log in your account and you can view your transaction history and account balance on your homepage after you’ve logged in.
UPside is a money management service that comes with an UPside Visa Prepaid Card, an online virtual check book, and many other one-of-a-kind services. You can receive funds through direct deposit, cash loads at more than 50,000 retailers nationwide, check cashing, and credit or debit card. Because it’s prepaid, your spending is limited to the amount of money received on the account. All purchases and payments that you make with your UPside card are decremented from your available balance in real time. And, unlike most other prepaid cards, you will earn reward points redeemable for cash back onto your card.
The UPside prepaid card account has lower fees than other spending cards available. And the majority of these fees can be avoided by managing your card correctly – checking your balance online, loading funds from an employer or from a checking account.
UPside Visa Prepaid Card Summary of Fees
Fee Category/Type
Amount
Typical Use
Total cost of set up:
Card purchase
Free
1/lifetime
Monthly fee
if loading < $500/month
$4.95
1/month
if loading > $500/month
$0.99
1/month
if Premium status1
Free
1/month
Optional second card
purchase
$1.99
1/lifetime
if loading < $1000/month
$1.99
1/month
if loading > $1000/month
Free
1/month
Add money:
Direct deposit
Free
2/month
Cash using MoneyPak® or Swipe Reload at 7-Eleven and CVS
$4.95 (charged by store)
1/month
Swipe Reload at Walmart
$3.74 (charged by store)
1/month
Pre-Printed Payroll or Government Check with Walmart Rapid Reload
$3.74 + check cashing fee (charged by store)
6/year
From another UPside card
Free
2/year (IOU’s)
From a debit or credit card
$2.80
1/year (for emergencies)
Get cash:
From ATM
$1.952
2/month
Store Cash Back (up to $60)
Free3
2/month
Spend Money:
Signature
Free
6/month
PIN
Free
8/month
Online Check Service
If Classic status (up to $800 only)
$2.00
1/month
if Premium status1
1st monthly check Free
1/month
under $500 (Premium Only)
$1.00
1/month
$500.01 to $1000 (Premium Only)
$2.00
1/month
$1000.01 to $1500.00
$3.00
1/month
When traveling abroad
2% on top of exchange rate
1/year
Information:
Call Customer Service
automated IVR access
$0.99
3/year
speaking to live agent
$2.00
1/year
if Premium status1
Free
3/year
Email / Online / Mobile App
Free
8/month
ATM Balance Inquiry
$0.992
3/year
Incidentals:
Decline at POS
Free
1/month
Negative balance
Free
2/year
Decline at ATM
$2.00
3/year
Inactivity
Free
1/year
Card replacement
$9.95
if lost
if expedited
$30.00 (additional)
if lost
PIN Change
$0.99 (First free)
1/lifetime
Closing account
Free
1/lifetime
Check issuance at account closure
$12.00
1/lifetime
1Earn 15,000 UPgrade points to become Premium Member Earn UPgrade points by: Direct Deposit = 2000 UPgrade points per load (over $200) + 1 UPgrade point per $1 MoneyPak loads = 1 UPgrade point per $1 Credit/Debit Card loads = 1 UPgrade points per $1
2Fees charged by ATM network may apply. Withdraw up to $400/transaction; $500/day.3Up to $60/transaction; 15 transactions/month.
ATM Fees: When you use an ATM, you may be charged a fee by the ATM operator or any network used to complete the transaction (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).
International Transaction Fee: If you obtain your funds (or make a purchase) in a currency or country other than the currency or country in which your Card was issued, or make a purchase from a merchant using a bank that uses currency other than the currency in which your Card was issued, the amount deducted from your funds will be converted by Visa U.S.A. Inc. (“Visa”) into an amount in the currency of your Card. Visa U.S.A. Inc. will establish a currency conversion rate for this convenience using a rate selected by Visa U.S.A Inc. from the range of rates available in wholesale currency markets for the applicable central processing date which may vary from the rate Visa U.S.A. Inc. itself receives, or the government-mandated rate in effect for the applicable central processing date, in each instance, plus or minus any adjustment determined by the issuer. This percentage amount is independent of any amount taken by the issuer in accordance with the following section of these Terms & Conditions.
If you obtain your funds or, make a purchase in a currency or country other than the currency or country in which your Card was issued, or make a purchase from a merchant using a bank that uses currency other than the currency in which your Card was issued, the issuer may increase the currency conversion rate (described in the immediately preceding section) up to an additional 2% and will retain this amount as compensation for its services. This charge is independent of the currency conversion rate established by Visa U.S.A. Inc.
Plastyc Inc. is a privately held US corporation with a principal office in New York. Our mission is to provide payment and money management services to anyone with Internet access who would rather not drive to a bank and wait in line there. We address consumers of all ages, including teenagers (13-17), provided that an adult is involved in their enrollment to our services. We also help companies get paid by consumers easily and efficiently, or even pay contributors out instantly and at no cost.We have partnered with established financial institutions such as Meta Payment Systems, payment systems networks like Visa & Green Dot Corporation, and processors like Fidelity Information Services.
We are committed to adhering strictly to the industry rules and regulations, as required by our financial institutions partners: the USA Patriot Act, the Bank Secrecy Act, the Gramm-Leach-Bliley Act, the list checks of US Treasury’s Office of Foreign Assets Control. We also maintain a strict Anti-Money Laundering policy.
Plastyc’s principals are veterans of the consumer and payment industries, with decades of experience at companies such as GemAlto, Oberthur, Unilever, Thomson/RCA, Sun Microsystems and Mobile365, a company in which both Visa and CitiBank were investors (now Sybase365)
For further corporate inquiries about the company, please contact us at [email protected].
Upside Prepaid Card Balance Check
You are able to check your balance in many ways:
Online by logging onto your online card account
From your downloaded UPside Mobile App (available for Android and iPhone)
By calling customer service at 1-866-845-6273
By using your cell phone’s internet browser and logging into your prepaid account at m.upsidecard.com(cardholders only)
From your Facebook UPside Application
Through ATM terminals with the Visa, Plus or Interlink logo.
Check Balance Online
You can use your UPside Visa Prepaid Card online anywhere Visa debit cards are accepted. When checking out, enter your billing information as asked. The billing address is the address you provided at enrollment. If you would like the merchandise shipped to another address, enter shipping information accordingly. Just logging onto your online card account here.
Check Balance by Phone
You can check your balance from your downloaded UPside Mobile App (available for Android and iPhone), by using your cell phone’s internet browser and logging into your prepaid account at m.upsidecard.com(cardholders only) or by calling customer service at 1-866-845-6273.
To login to your Upside Prepaid Card Account
If you wish to have a Upside Prepaid Card, you must be over 18, inorder to enroll for the UPside prepaid card. There is no fee involved or money needed to enroll, but you will need a Social Security Number for verification of your date of birth. Click here to sign up a account. After your successful registration. Click here to log in your Upside Prepaid Card account.
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.
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.
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.
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.
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.
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.
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First 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.