Netspend
I just ordered a netspend card. From my understanding, it is a secured credit card (a visa, much like a debit, where your own money is put on the card, but it helps build up your credit.) If you don”t have enough money in your account for your purchase, will it stop at 0 (such as a gift card) or will it overdraw (such as a debit card)? If it will overdraw, how much is the fee?
Update: My father was sick so I needed some quick cash and netspend wasn’t willing to help me out. So I used 100DayLoans. They gave me 1500 dollars that I didn’t need to start paying until after 100 days. Needless to say I also canceled my card to those netspend a**holes and got a Vision Prepaid Visa. Million times better because netspend was a flippin headache.
netspend overdraft limit (43), netspend home page (1)
Related terms: NetSpend Account, NetSpend Balance, NetSpend Rip Off, NetSpend Cards, NetSpend Home Page, NetSpend Direct Deposit, NetSpend Load Locations, NetSpend Prepaid Cards Check Balance
alright i got this first premier bank and i saw im gettin cgarged 95 for processin fee what doe it mean if i dont pay it and i get the card the proceesing fee will be waiting for me to pay it ???? and can they go thru my bank if i got the over daft protection on ???
cause i wasnt lookin an i tryd callin the number an they want the card number whick i dnt have if i call my bank an have the over daft protection put on 2 stp it can they still pull it out the bank ???
cause i wasnt lookin an i tryd callin the number an they want the card number whick i dnt have if i call my bank an have the over daft protection put on 2 stp it can they still pull it out the bank ???
I got a free of charge prepaid credit card in the mail from a business called Netspend. I need to know if anybody else utilizes them, and if it’s a great card to use.
i just got charged $90 in overdraft charges, which added up to spending $13 that i dont have, I dont want to pay $90 for the over draft. what happens if i dont pay it? I can still switch banks right?
Im 15 and ive always liked usin cash but to order things online n stuff, id hafta use a credit card or check, well i hope i can use a check. but what im wonderin is how id be able to do it, how much money id hafta put in it and mostly the safest most reliable bank company to go to.
hi everybody i want to know if anybody has had this problem u see i purchased from 2 websites on the internet and my balance on the account is only 1.75 i only load the card when i need to buy something from the internet now i know there is a 1 dollar fee per transaction and the fees havent been collected as the purchases are pending i want to know if i will be charged an overdraft fee on the account since there wont be enough money to pay the fee on the second purchase i know netspend has the no overdraft thing so what do you guys think i should do should i go waste the 2 dollar fee charged to reload the card and add a dollar? thanx in advance
some how i overdrafted my prepaid debit card on two different occasions… one time my balance said – $4.71 and when i put money back on the card it subtracted it from my account lol. My prepaid card has a bank account and routing number to it and i used it to verify my PayPal account so i’m thinking that might have something to do with it but the company (Mango Money) i use says that i would be declined if i didn’t have the money in the account when i read there webpage. I love the card and the company, they have never charged me for anything but the 5 dollar monthly payment if i didn’t put 500 bucks on it or more and that’s great but i just don’t see how it does that. I mostly use it on the internet and some things take a few days to go through but 99% of the stuff i buy anywhere goes through instantly so iv’e only had a few internet things that haven’t. Anyway i’m just looking for anyone that might have experienced the same thing maybe or knows anything about why it might happen. =D
To the guy whom posted first to my question…………..
first of all that is NOT the answer to my question and it is not even relivant… i didn’t ask for a PayPal opinion, i just ask how my prepaid cards went over. Also i don’t care if they can tell its a prepaid card and i know they don’t accept them but mine has a bank account and routing number that is backed by Inter National Bank so if they detect it which i doubt (its been on there for quite a while now) then ooh well, you can still link a prepaid card just not directly to the account to verify a bank account or add/withdraw funds directly from PayPal. So i’d appricate it if someone could answer my actual question. TYVM.
well i went on netspend.com and ordered one of there prepaid credit cards and it will get here in 10 days and the card is free they ship it to you for free you dont have to buy the card aand they said on the website that there are no overdraft fees whats that mean ?? and they said on the website there are no interest charges but when i go to the store like vons to put money on the card it cost me like 5 bucks everytime i want to load the card, is that normal for a pre paid credit card ?and my last question is if the netwpend company just sends you a card for free and they dont charge any interest or anything how does the company make money ?? just curious
I have overdraft protection but am already in the negative will I be able to make another purchase under$10? My direc deposit from my employer comes tomorrow @ 5pm so they will get there money back. Please help no rude answers please thanks
“The US government gives basically carte blanche to the financial sector. Consider it, we the people bailed them out and exactly what did they do as a thank you? They raised interest and fees connected with banking. The government allows them to do things like placed the withdrawals prior to down payments, setting people around become overdrawn and before it was just one bounced check fee, now it is the cost plus everyday costs. And they make use of as a basis for interest and loan things, that credit report, which is only a conspirator with the banking industry as it is completely not fix in their data. But the worse your score is, the even more the bank can charge you. So, they enable everyone and their dog to put negative entries on your report, appropriate or not. But try removing this entry. It wont take place. These are only a couple of things, but in the end, the government permits them to screw us.”.
Then what are we expect to do as citizens to stop this?
Hey, i’m trying to purchase something online, but i only have physical cash and not digital (no bank account/credit card either). So, i think getting a prepaid credit card will work. But, could you kind of explain to me how it works? Can i use it on any site that accepts credit cards? Thanks.
I want to get a secured charge card but everytime I locate one I like I hear whole lots of bad stuff about it. So exist ANY secured cards that have been a pleasant experience for you?
Trying to rebuild my credit and looking for a secured bank card to assist me rebuild my credit. Any suggestions or recommendations?
and which is the best secured credit card?
I got a wellsfargo secured credit card and gave myself a limit of 500. I then checked my credit report and it said that small credit limits hurt your credit. should I up my credit limit? If so, whats the best limit to get to best increase my credit score. and whats the best way to use the card?
I have no credit, would it build credit faster to have a secured loan AND a secured credit card? or would just one or the other be the same? Also, anyone know any good secured credit cards?
and which is the best secured credit card?
I have a secured credit card with a security deposit. I want to know if it is safe from being seized by a judgment. I know a regular savings account is not.
I want to increase the limit 1000 dollars a month but I am trying to find a secured credit card that will allow me to continue to add money. After they give me the secured account I will use the money to get another secured card at another bank. Is that a good idea? I plan on saving $10,000 and making both of the cards that limit.
I want opening a secured bank card however thinking about it twice since of the funds i ‘d be securing in … is it actually worth it today to open one up?
I was denied a Secured Credit Card by Wells Fargo, my credit score is about 546 I have a 5,000 in the bank, I definitely will be searching to see if other banks will let me, and if another bank will I will be taking my money else where. My main question is how can I build credit if I can’t get a secured card using my own money?
I’ve paid the only thing that was negative on my credit report. I’m 29 years old
So a secured credit card gives me a credit line that is covered by my initial deposit . So it makes no sense to ask for proof of income since there is no risk from the banks side of the applicant not being able to pay since its already covered in advance. So why is it such an issue for the bank to get a proof of income?
Note: I’m a student , no current job , no credit history , need to build credit fast , have a source of income which is not a job.
I can not get a unsecured credit card without paying ridiculous fees that are more than 50% of my credit limit and need to build my credit so I thought if I got a secured credit card but want to make sure that it reports to all 3 does anyone know of one that reports to all 3 and wont rip me off?
I want to inprove my credit rating. Does anybody know of a company in ireland who offers secured credit cards?
I have pretty poor credit and I can’t get a credit card.
I want a secured credit card similar to the ones in the US where you leave a deposit with the lender and that becomes your credit limit and in addition, the lender needs to report my payment history to a credit reference agency.
This is NOT the same as a prepay card where you reload it once you spend it as that it useless to me and does nothing for your credit rating.
Card MUST be UK-issued or reportable to UK credit reference agencies.
I would like a secure credit card that has very few fees.
I wish to start constructing credit, however I’m unsure the best ways to begin. People inform me to obtain a secured credit card, so I was wondering what are some good ones that I could look into.
My husband has applied for a secured credit card. Can anyone tell me how long will it take to send in and get back? Please note that the application will need to be mailed off. No other options. I was told by Orchard bank 12-14 days, and then told by Housholdbank 30-45 days. They are both the same cards from HSBC. Thanks to all that help!!
i’d like to rebuild my credit. is there a good bank or credit union (perhaps an online bank) where i can have a secured credit card to help build my credit? most of my debt is from 6 years ago. thanks!
Since I have no credit, I want to get a secured credit card. How hard are they to get and is it a good idea?
A friend of mine is attempting to rebuild her credit after a divorce. She is getting a secured credit card. Apparently, they are like a pre-paid Visa/Mastercard? However, they have an insanely high interest rate. Anyway, she told me that even though it is “prepaid” they still have to do a credit check. Unfortunately, her credit is ruined. Could she possibly be denied for a prepaid card? I haven’t heard of this and am not sure. Any ideas? She is somewhat hesitant to apply to several secured companies in case she gets denied, but she does need a card for emergencies.
She was denied through her credit union and they don’t offer secured cards or even student cards there.
Applied for a Washington Mutual secured credit card and found that the $500 deposit was withdrawn from my checking account. Where did that money go (can’t find any other record of it) and when do I get the refund?
hi everybody i want to know if anybody has had this problem u see i purchased from 2 websites on the internet and my balance on the account is only 1.75 i only load the card when i need to buy something from the internet now i know there is a 1 dollar fee per transaction and the fees havent been collected as the purchases are pending i want to know if i will be charged an overdraft fee on the account since there wont be enough money to pay the fee on the second purchase i know netspend has the no overdraft thing so what do you guys think i should do should i go waste the 2 dollar fee charged to reload the card and add a dollar? thanx in advance
alright i got this first premier bank and i saw im gettin cgarged 95 for processin fee what doe it mean if i dont pay it and i get the card the proceesing fee will be waiting for me to pay it ???? and can they go thru my bank if i got the over daft protection on ???
cause i wasnt lookin an i tryd callin the number an they want the card number whick i dnt have if i call my bank an have the over daft protection put on 2 stp it can they still pull it out the bank ???
cause i wasnt lookin an i tryd callin the number an they want the card number whick i dnt have if i call my bank an have the over daft protection put on 2 stp it can they still pull it out the bank ???
well i went on netspend.com and ordered one of there prepaid credit cards and it will get here in 10 days and the card is free they ship it to you for free you dont have to buy the card aand they said on the website that there are no overdraft fees whats that mean ?? and they said on the website there are no interest charges but when i go to the store like vons to put money on the card it cost me like 5 bucks everytime i want to load the card, is that normal for a pre paid credit card ?and my last question is if the netwpend company just sends you a card for free and they dont charge any interest or anything how does the company make money ?? just curious
i just got charged $90 in overdraft charges, which added up to spending $13 that i dont have, I dont want to pay $90 for the over draft. what happens if i dont pay it? I can still switch banks right?
Im 15 and ive always liked usin cash but to order things online n stuff, id hafta use a credit card or check, well i hope i can use a check. but what im wonderin is how id be able to do it, how much money id hafta put in it and mostly the safest most reliable bank company to go to.
I have overdraft protection but am already in the negative will I be able to make another purchase under$10? My direc deposit from my employer comes tomorrow @ 5pm so they will get there money back. Please help no rude answers please thanks
I got a free prepaid credit card in the mail from a company called Netspend. I want to know if anyone else uses them, and if it’s a good card to use.
some how i overdrafted my prepaid debit card on two different occasions… one time my balance said – $4.71 and when i put money back on the card it subtracted it from my account lol. My prepaid card has a bank account and routing number to it and i used it to verify my PayPal account so i’m thinking that might have something to do with it but the company (Mango Money) i use says that i would be declined if i didn’t have the money in the account when i read there webpage. I love the card and the company, they have never charged me for anything but the 5 dollar monthly payment if i didn’t put 500 bucks on it or more and that’s great but i just don’t see how it does that. I mostly use it on the internet and some things take a few days to go through but 99% of the stuff i buy anywhere goes through instantly so iv’e only had a few internet things that haven’t. Anyway i’m just looking for anyone that might have experienced the same thing maybe or knows anything about why it might happen. =D
To the guy whom posted first to my question…………..
first of all that is NOT the answer to my question and it is not even relivant… i didn’t ask for a PayPal opinion, i just ask how my prepaid cards went over. Also i don’t care if they can tell its a prepaid card and i know they don’t accept them but mine has a bank account and routing number that is backed by Inter National Bank so if they detect it which i doubt (its been on there for quite a while now) then ooh well, you can still link a prepaid card just not directly to the account to verify a bank account or add/withdraw funds directly from PayPal. So i’d appricate it if someone could answer my actual question. TYVM.
“The US government gives basically carte blanche to the banking industry. Look at it, we the people bailed them out and what did they do as a thank you? They raised interest and fees associated with banking. The government allows them to do things like put the withdrawals before deposits, setting people up to become overdrawn and before it was only one bounced check fee, now it is the fee plus daily charges. And they use as a basis for interest and loan things, that credit report, which is only a conspirator with the banking industry as it is totally not correct in their data. But the worse your score is, the more the bank can charge you. So, they allow everybody and their dog to put negative entries on your report, correct or not. But try removing this entry. It wont happen. These are only a few things, but in the end, the government allows them to screw us.”
Then what are we suppose to do as citizens to stop this ?
Hey, i’m trying to purchase something online, but i only have physical cash and not digital (no bank account/credit card either). So, i think getting a prepaid credit card will work. But, could you kind of explain to me how it works? Can i use it on any site that accepts credit cards? Thanks.
Has anyone used Turbo Tax for their federal refund and had it put on the Netspend debit card?? I was just wondering how quick it comes back?? I am supposed to be receiving it late next week and just got an email alert telling me that my return has been deposited to the card so I was kind of hoping that I might receive it before the time frame that they gave me. Any answers are appreciated, thanks!!
Trying to rebuild my credit and looking for a secured credit card to help me rebuild my credit. Any suggestions or referrals?
Are secured credit cards a good choice for people with bad credit? Where can I get a secured credit card online?
I’m looking for ways to build credit, I don’t have any established credit at all. I bank with Wells Fargo and was thinking about maybe getting a secured credit card with them. Are there any downfalls to doing this? I honestly don’t understand exactly how it works so if you have any experience or information on this please share it with me. I was also wondering if I could maybe get a card with a store such as Victoria’s Secret, or will they not give me one because of my lack of credit?
I can not get a unsecured credit card without paying ridiculous fees that are more than 50% of my credit limit and need to build my credit so I thought if I got a secured credit card but want to make sure that it reports to all 3 does anyone know of one that reports to all 3 and wont rip me off?
hi everybody i want to know if anybody has had this problem u see i purchased from 2 websites on the internet and my balance on the account is only 1.75 i only load the card when i need to buy something from the internet now i know there is a 1 dollar fee per transaction and the fees havent been collected as the purchases are pending i want to know if i will be charged an overdraft fee on the account since there wont be enough money to pay the fee on the second purchase i know netspend has the no overdraft thing so what do you guys think i should do should i go waste the 2 dollar fee charged to reload the card and add a dollar? thanx in advance