Clothes & Accessories

Rush Card – Review

The baby phat rush card is a prepaid credit card. It was created by Russell Simmons he co founded the popular Def Jam record label.

The rush card works like this; you deposit money into your account, then you use your card to make purchases. This card guarantees approval for everyone.

There is no credit or chex systems check. The baby phat rush card is issued in a pink design and the rush card is issued in a black design.

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 card can be used to make purchases over the phone and online. In addition your rush card allows you to write physical paper checks.

To use this feature you visit the website and input the person or business that you want to write a check to. This includes name, amount of payment and address.

Then a physical check in your name is sent to the payee. This is a great way to pay your bills, no more buying money orders.

Using this service and direct deposit you can save a lot of money because you will no longer have to pay for money orders or check cashing fees again.

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.

You will be charged $1.00 with a maximum charge of $10.00 a month. However during a month you will be charged $1.00 for every transaction you make using your card.

Only at the end of a full calendar month will the extra convenience fees be refunded to you.

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 says there are no hidden fees with their card. Yet you get charged every time you use your card. The rush card carries the most fees of any prepaid card we have reviewed.

In sum, stay away from the rush card. There are many other prepaid credit cards available that have lower fees and better benefits.

About the Author

Instead we suggest the account now visa they offer free activation, free direct deposit, free credit builder & free bill pay. However if you still want a rush card or to learn about the all access visa visit us.