Flights Tickets - Green Dot Prepaid Visa Card - Review

You may be unfamiliar with debit cards so let me explain the basics. MasterCard are prepaid debit cards; the Green Dot Visa &.

With this you must load or deposit money and that amount then becomes your limit. Unlike with an unsecured card where the company issues it and attaches a limit on which they then charge interest as it is used.

The issuer is Columbus Bank and Trust Company. You pay for your purchases beforehand by loading cash amounts, along with the interest rate and associated fees, instead of making purchases and paying for them later.

500, the minimum amount of the initial load is $20 and the maximum amount of the initial load is $2. Need to load and reload value onto the card, at times, you will.

The MoneyPak costs $4.95. The Pantry and other participating merchants, radio Shack, eckerd, cVS, you may have a portion of your paycheck directly deposited to your card or you may purchase a Green Dot MoneyPak universal reload from locations such as Rite Aid, to load or reload your Green Dot card. 500 loaded onto the card at any given time, you may never have more than $2.

Always be sure to read the Terms and Conditions before applying. And $10 fee to replace a lost or stolen card, up to $1.00 per call to obtain your balance using the interactive voice response system or a live operator, $4.00 per cash advance from a teller or non-ATM transaction), $2.50 for each ATM transaction ($3.00 per international ATM transaction, the card charges a $4.95 per month maintenance fee.

Be sure to research the Premier card fees before moving forward. Columbus Bank and Trust Company also offers a Premier version of this card.

Additional charges may accrue if you use an ATM. A one-time $19.95 membership enrollment fee and a $5.00 fee per month if you do not load $750 per month to the card, but are not limited to, fees include.

Be sure to check with the retailer for the costs involved with purchasing one of these cards. The retailer will charge an initial activation fee and a reload fee, if you purchase one of these cards at a store, likewise.

I don't really feel that I want to pay to call someone's answering machine, personally, again. Though I guess it would depend on your situation and why you need the card, i would not apply for one of these cards, personally.

I believe I should be the one to decide how much a balance I want to maintain. I also don't want to pay $5 per month merely because I don't reload $750 per month.

There are other cards which allow more flexibility as to reload options, additionally.