The ReadyDebit Card is a prepaid Visa card. This means the you’re going to have to first load or deposit money on your card before you can use it to make purchases. This is unlike a traditional credit card where you have monthly payments and you get charged an interest rate.
Instead, with the ReadyDebit card there are 0% interest rates, zero late fees, and zero over the balance fees. This is a prepaid debit Visa card. It will give you 100% guaranteed approval as long as you are a US citizen with a valid US mailing address.
There is no credit check or check systems check. This card was created as an alternative to banks that don’t use ChexSystems. It gives you free direct deposit which will help you avoid expensive check-cashing fees. You also get access to a free bill pay program which will send checks to pay your bills such as rent, electricity, cable, etc.
How To Load Money
The most popular way is by using free direct deposit. To use this all you need to do is fill out a form and turn it into your employer, then within one to two pay periods your check will be directly deposited. It is estimated that this will give you access to your money 24 to 48 hours quicker.
And if you are paying a $3 check cashing fee and get paid on a weekly basis, over the course of the year using free direct deposit you will save $156. You can use direct deposit for your paychecks, benefit checks, pension checks, and tax returns. If you need help setting up direct deposit ReadyDebit provides you a toll-free number to call for assistance.
You can also load money by using a GreenDot money pak which is available at many popular retail stores such as Rite Aid, Walmart, Walgreens, and many more. Additionally you can use a VisaReady Lynk to load cash through the cashier at many popular locations.
Another great feature is that you can transfer money from one card account to another. This is ideal for a relationship, marriage, teenagers, loved ones, and anyone you help out financially. And you can also transfer money from a savings account or checking account to load your card.
Free Online Bill Pay
Free online bill pay is ideal if you are having to purchase money orders to pay your bills. Instead you can pay your bills for free by using your ReadyDebit account. Just log-in online, go to the bill pay section, fill in the name of the business, the amount you want to pay, and the date you want the check sent, and that’s it!
You can pay a business or an individual. You can also set up a one-time payment, monthly payments, automatic payments, future payments, and one time payments. This is 100% free of charge service and is clearly much more convenient than going out and buying a money order.
If on average you purchase a money order for $1.50 and you only buy five money orders every month, over the course of the year you are spending $90 just on buying money orders. Instead save this $90 by using the ReadyDebit Card and take yourself to a nice dinner!
Money Management Tools
You are given free online access and customer service 24 hours a day, seven days a week. Additionally you can sign up for free text and e-mail alerts about your account activity. And you can get access to your account through your mobile phone so you can send bill payments, check your balance, etc.
Your prepaid reloadable card will also be covered by the Visa $0 fraud liability policy and this means that if your card is ever lost or stolen your money will still be safe. If you ever need cash you have ATM access and you can also request cash back at the grocery store.
Your reloadable prepaid debit card will be accepted everywhere you see the Visa logo displayed. You can use it for purchases online and over the phone. Additionally it can be used to rent a car, rent a hotel room, and reserve travel accommodations.
Credit Score Tracker
You are also going to be given access to credit score tracker which will pinpoint your actual credit score and then give you a variety of tools to use to manage it.
ReadyDebit Approval Process
To get the prepaid ReadyDebit Card just go online to http://www.readydebit.com and apply. You’ll have to provide your personal information such as name, social security number, and address.
Your guaranteed approval for the ReadyDebit Card because there is no credit check or chexsystems check. You will get free direct deposit and free online bill pay. This will eliminate your need to ever pay for a check-cashing fee or purchase a money order again.
If you’re sick of living with less than perfect credit, get a free credit consultation by calling 1-877-418-7596. And for more tips and strategies to fix bad credit with Dan Willis sign up for our free newsletter.
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