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Type Credit Needed Annual Fee Intro APR Standard APR Rewards Grace Period Category

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Visa Poor Credit $47.40 None 0.00% Other Not AvailableSecured  

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Wired Plastic Prepaid Visa Card

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Wired Plastic™ Prepaid Visa® Card

Quick Summary:
This Visa rewards card is issued by BankFirst and offers unique rewards not listed in our current rewards categories. This is a secured card that does not issue a traditional line of credit. Many consumers use secured cards to help establish or re-build their credit ratings as long as the issuer reports to credit bureaus (see offer details below about reporting information).

APR's:
The lowest available APR is fixed, meaning that the rate will not change with U.S. prime rates. A 0% APR is listed for this card, meaning that balances may need to be paid in full each month as charge cards specify, or there is a special program regarding payment. Due to the limited information we have about this rate, we advise you to read the offer details along with the terms and conditions in full.

Rewards:
This is a rewards card that offers unique rewards. Due to this card's diversity, the rewards are not categorized specifically in Finance Globe's rewards sections.

Credit Record Needed:
Based on the FICO score recommendation, the issuer may expect that applicants may have had problems with their credit history, or are working on building their credit reputation. A FICO score of at least 515 is recommended for a higher chance of approval for the Wired Plastic™ Prepaid Visa® Card, but is not required. There are a number of other factors that this issuer may also consider when making decisions for approval.

Other Basics:
This card is intended for people that want a secure line of credit. Uses for this type of card may include budgeting funds, adding deposits for later use, building a credit rating (if issuer reports to the credit bureaus), and possibly more. A secured credit line may be compared, or is similar to a debit card.

This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment.

Approval Rate:
This card has a very poor approval or acceptance rate. Since this is a card for poor credit, high fees or APRs may be contributing factors for people that decide to accept this card. If you believe that you fall into the credit record of "Poor Credit" then you will have a better chance for approval. Furthermore, if your FICO score is close to or higher than 515, then your chance of approval may be greater than other applicants.

Approval Time:
Approval time for this offer is not listed. However, you could normally expect the approval process to be completed between 1 to 2 weeks, and an additional 1 to 2 weeks for the card to be delivered after you are approved.

Offer Details:

Wired Plastic is the most advanced Prepaid Debit card available. It offers flexible pricing plans, an innovative Rewards Program and several convenient card loading options including; Free Direct Deposit, Bank Transfers and Instant Cash Loading at over 100,000 retail locations nationwide. With its powerful account management tools, cardholders can; use Click-n-Pay™ to schedule recurring monthly bill payments including rent, car payment, and utilities or use PersonalPay™ to send a check to anyone or transfer money to another account online or over the phone 24/7. They offer FREE customer service, online access, and wireless alerts. Plus you never pay NSF, overdraft or bounced check fees! Wired Plastic helps make your life easier!

Rewards and Benefits:


  • No Upfront Payment Required - Receive your new Visa card in as little as 3 days
  • Overdraft Safety Program - Qualify to receive up to a $1500 cash advance directly to your card!
  • Rewards Program - Earn 1 point for every $1 spent, redeem points for; LD Phone Calls, Prepaid Wireless Airtime and Music Downloads
  • Integrated Bill Pay Service - Pay any bill online or over the phone, even if they don't accept credit or debit cards.
  • Convenient Loading Options - Free Direct Deposit or add cash instantly at over 100,000 retail locations nationwide.

Other Remarks:
Activation Fee: $9.95
Please see terms and conditions regarding a breakdown of additional fees.

*Please view and verify the card offer's terms and conditions regarding interest rate, fees, grace periods, approval time and other information before applying. Is this the card you want? Apply On-line

 

 


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Secured Card Rate Comparison

APR0.00%
Avg. APR**6.99%
Annual Fee$47.40
Avg. Annual Fee**$18.7

**  APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee average" contains the average of all fees in a specific category (Secured cards), even where the fee is $0. This data is subject to Finance Globe's terms and conditions.

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