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					Baby Phat Rush Card - Review
The Rush card also known as the baby phat rush card is a prepaid debit card. It was created by Russell Simmons a co founder of the hip-hop record
label Def Jam.


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 chex systems check or a credit check. The rush card comes as a black card and the baby phat rush card is a pink card.


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.


With this card you receive free online account access. You can also access your cash at over 800,000 ATM's.


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 do this you simply go online and fill in the payees details. This includes address, name, and amount of payment.


Then press send a real physical check will be sent to the business or person. This can save you money by not having to buy money orders again.


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 baby phat rush card. This is because they have many fees that other prepaid cards do not have.


For example the rush card charges you a convenience fee. A convenience fee is simply a fee for using your card.


The charge for this fee is $1.00. There is a maximum charge of $10.00 a month however you will be charged this $1.00 fee every time during that
month.


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?


I don't know how they get away with charging these fees it seems unfathomable. In addition making their card holders wait so long before being
reimbursed.


To enroll in bill pay the rush card will charge you $2.00 and then another $1.00 for every check you write from your account. There are other prepaid
cards where this service is 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, look at some other prepaid cards. They have fewer fees and better benefits for being a card holder.


About the Author
Instead we suggest the account now visa they offer free activation, free direct deposit, free credit builder & free bill pay. You can view a list of the 3
best prepaid credit cards by visiting us.


Source: http://www.cothivalebooks.com

				
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posted:1/4/2009
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