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READYdebit™ CardQuick Summary:
This Visa offer is issued by MetaBank. 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 not a rewards card. However, depending on your intended use, the low rate of 0.00% may be considered as a higher importance than rewards. Credit Record Needed:
Based on the FICO score recommendation, the issuer may expect applicants with troublesome credit histories. A FICO score of at least 366 is recommended for a higher chance of approval for the READYdebit™ 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 366, 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: The READYdebit prepaid Visa card is simply the best prepaid card around. With this card you'll never pay another overdraft, bounced check or NSF fee again! And you won't get nickeled and dimed with a bunch of hidden fees for things like declined transactions and checking your balance. There's a lot of great ways to deposit money in your account including FREE direct deposit for your pay and benefits, FREE bank account transfers and cash loading at over 60,000 Green Dot and ReadyLink locations nationwide. Features include a great online bill payments service that you can use to pay your bills or send a check to ANYONE! An extra cool feature is the ability to send money instantly from one READYdebit card to another, and of course that's FREE too! This is simply the best card at the best price.
Rewards
and Benefits:
- Better than a checking account – Great online bill pay service with no overdraft, bounced check or NSF fees – EVER
- READYdebit is simply the best prepaid Visa card on the Net
- 100% Approval Guaranteed! – No Chexsystems or credit checks, bankruptcy okay
- Pay Nothing Now! – No deposits or prepayments required to get your card.
- FREE Direct Deposit! – stop paying to cash your paycheck.
- FREE phone and online access to your account
- It's FREE to check your balance online or over the phone
- No declined transaction fees
- Great Loading Options – FREE direct deposit and bank account transfers, 60,000+ Green Dot and ReadyLink cash load locations.
- Safer than cash - All deposits FDIC insured; purchases covered by Visa Zero Fraud Liability protection.
- Cheaper than credit – no late fees, no over limit fees, no interest charges – EVER
*Please view and verify the card offer's terms and conditions
regarding interest rate, fees, grace periods, approval time and other
information before applying.
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Secured Card Rate Comparison
| APR | 0.00% | | Avg. APR** | 6.99% | | Annual Fee | See Terms | | Avg. Annual Fee** | $27.33 | |
** 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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