Guaranteed Approval Visa Debit Rush Card | EasyCreditApproval.com

<div class="tabitems" >The <span class="textbold">Prepaid Visa RushCard</span> is a secure way to manage your money with the protection of Visa’s Zero Liability policy. Avoid outrageous check cashing fees and standing in long lines. Make purchases and pay bills anytime-online or over the phone. The Prepaid Visa RushCard saves you time and money. <br/> <br/>  <dl> <dt class="listItems"><strong>Financial Power</strong></dt> <dd class="listSubItems">Avoid Expensive Fee and Debt</dd> <dd class="listSubItems">No check-cashing fees with FREE direct deposit</dd> <dd class="listSubItems">No overdraft or interest fees; it’s prepaid, so you can’t go into debt</dd> </dl> <dl> <dt class="listItems"><strong>Safety</strong></dt> <dd class="listSubItems">Safer than cash</dd> <dd class="listSubItems">Protected by Visa’s Zero Liability Policy</dd> </dl> <dl> <dt class="listItems"><strong>Convenience</strong></dt> <dd class="listSubItems">Pay bills and make purchases anytime - online or over the phone</dd> <dd class="listSubItems">Get cash fast from over 800,000 ATMs worldwide</dd> <dd class="listSubItems">On-the-go access to your account information with RushText alerts</dd> <dd class="listSubItems">Track your spending with 24/7 online access</dd> <dd class="listSubItems">FREE 24/7 customer service</dd> </dl>  </td> <td width="10" rowspan="2" style="background-color:white"></td> <td width="393" style="background-color:white"> <div style="background-color:#DA251C;color:White;font-size:10pt;text-align:center"><strong> RUSHCARD FEATURES</strong></div><br />  <dl> <dt class="listItems"><strong>Rush Bill Pay*</strong><br />Save time and money by paying your bills online using Rush Bill Pay. With RushCard’s new, secure and convenient online bill payment you can:</dt> <dd class="listSubItems">Pay virtually all your bills and schedule single, recurring, or future-dated payments</dd> <dd class="listSubItems">Make changes to scheduled payments before they are sent</dd> <dd class="listSubItems">Receive e-mail/text notifications that remind you of bill activity</dd> <dd class="listSubItems">Track your payment status and history</dd> <dd class="listSubItems">Customize reports to track budget spending<br /><br /><A HREF="javascript:winPopHeightWidth('/images/flash/billpaydemo/pop_billpaydemo.aspx', 515,920)">Click here</A> for bill pay demo<br /><i>*Free Bill Pay until August 15, 2009</i></dd> </dl> <dl> <dt class="listItems"><strong>FREE* Rush Text Alerts</strong></dt> <dd class="listSubItems">On-the-go access to your account information when you need it most</dd> <dd class="listSubItems">Free sign up</dd> <dd class="listSubItems">Instant access to your balance, deposit and recent transaction information all from your mobile phone<br /><br /><i>* Standard wireless carrier charges apply</i></dd> </dl> <dl> <dt class="listItems"><strong>FREE RushPath to Credit</strong></dt> <dd class="listSubItems">An optional service that helps you build a positive credit file by reporting the regular bill payments you make with your RushCard to participating credit reporting agencies</dd> </dl> <dl> <dt class="listItems"><strong>FREE Money Management Pages</strong></dt> <dd class="listSubItems">Easily track your spending, deposit and balance trends online</dd> <dd class="listSubItems">Colorful, easy-to-view graphics allow you to compare your monthly spending activities by categories over a full-year time span</dd> <dd class="listSubItems">Budget tools help you to set up budget goals by category, track your progress throughout the month, and sign up to receive instant alerts if your budget amount is exceeded<br /><br /><A HREF="javascript:winPopHeightWidth('/images/flash/moneymanagementdemo/pop_moneymanagementdemo.aspx', 650,1020)">Click here</A> to view a demo on the RushCard Money Management pages</dd> </dl> <dl> <dt class="listItems"><strong>Refer-a-friend</strong></dt> <dd class="listSubItems">Tell your friends and family about RushCard and earn money for referring them</dd> <dd class="listSubItems">When you refer a friend who becomes an active RushCard member, RushCard will give you $5.00!</dd> <dd class="listSubItems">There's no limit to the number of friends you can refer or the money you can earn!</dd> </dl> <dl> <dt class="listItems"><strong>FREE Downloadable Monthly Statements</strong></dt> <dd class="listSubItems">Download and print your monthly statements</dd> <dd class="listSubItems">Statements include complete balance and transaction information for each calendar month</dd> <dd class="listSubItems">Useful graphs give you a clear picture of your money at a glance</dd> <dd class="listSubItems">Statements can be downloaded into programs like Quicken, Microsoft Money, and Excel</dd> </dl>  </td></tr> </table></td></tr> </table>  <div style="text-align:center"> <div id="bottom" style="background-color:#ffffff; z-index:50; text-align:center" class="footer"> <br/> The Prepaid Visa® RushCard is issued by Manufacturers and Traders Trust Company pursuant to a license from Visa U.S.A. Inc. and is only available to residents of the United States (except Vermont) with a valid social security number.<br /> <div CLASS="faqQuestions">What is the Prepaid Visa RushCard?</div> <div CLASS="faqAnswers">The RushCard is a prepaid Visa debit card. You can use the card to make purchases worldwide, wherever Visa debit cards are accepted, and to withdraw cash at over 855,000 ATMs. This is not a credit card. You can only use the card to spend the amount of money you load onto the card.</div> <div CLASS="faqQuestions">How do I apply?</div> <div CLASS="faqAnswers">Applying for a Prepaid Visa RushCard is easy! You may submit an application online, by mail or by phone.<br>     •   <A HREF="Apply/Apply.aspx">Click here to fill out our online application</A><br>     •   <A HREF="application.pdf">Click here to download a printable application which you can mail in.</A><br>     •   Or call our toll free number (866) RUSHCARD and a Member Services Representative will take your application over the phone 24 hours a day, 7 days a week </div> <div CLASS="faqQuestions">How old do you have to be to apply for the Prepaid Visa RushCard?</div> <div CLASS="faqAnswers">Our minimum age requirement is 13 years of age.  Parental consent is required for any child under 18 wishing to apply for a Prepaid Visa RushCard.  <A HREF="parentalconsent.pdf">Click here to download a parental consent form. </A></div> <div CLASS="faqQuestions">Will I get still get approved if I have a negative history?</div> <div CLASS="faqAnswers">Yes. We do not perform a credit check when processing your application. Please note that approval depends on the verification of the personal information. You are required to provide a valid social security number, date of birth, and U.S. address.</div> <div CLASS="faqQuestions">Why do you need my social security number?</div> <div CLASS="faqAnswers">We are required by Federal Law to obtain, verify and record information including your name, address, date of birth, social security number and other information that will allow us to identify you. This requirement is aimed at preventing the card from being used for illegal purposes like money laundering. </div> <div CLASS="faqQuestions">Why can’t you send my card to a P.O. Box address?</div> <div CLASS="faqAnswers">It is a federal mandate that for security reasons the cards can only be mailed to a valid physical U.S. address.</div> <div CLASS="faqQuestions">I’m not a U.S. Citizen – can I still apply for a Prepaid Visa RushCard?</div> <div CLASS="faqAnswers">Yes, as long as you are a permanent resident with a valid social security card.</div> <div CLASS="faqQuestions">How long does it take for me to get the card?</div> <div CLASS="faqAnswers">A personalized card will be mailed the same day your application is approved and you should receive your card within 7-10 business days.</div> <div CLASS="faqQuestions">I haven’t received my card.</div> <div CLASS="faqAnswers"><A HREF="/CardTracker/CardTracker.aspx">Click here to check the status of your application.</A> There is also a "where is my card" link that can be found on the front page. </div> <br><br><br> <div CLASS="textHeadDivider"><SPAN CLASS="textheads"><A NAME="fees"></A>FEES AND ACTIVATION</SPAN></div> <div CLASS="faqQuestions">How do I activate my Prepaid Visa RushCard?</div> <div CLASS="faqAnswers">Activation is easy! You only need to add money to your card and you can begin enjoying the benefits of the Prepaid Visa RushCard. <A HREF="AddMoney.aspx">Click here to see the many ways you can add money to the RushCard</A>.</div> <div CLASS="faqQuestions">What are the fees?</div> <div CLASS="faqAnswers">Your personalized Prepaid Visa RushCard is mailed to you free of charge. The one-time activation fee is $19.95, and will be automatically deducted the first time you add money to your RushCard. <A HREF="javascript:winPop('/fees.aspx')">Click here to view our schedule of fees</A>.</div> <br><br><br> <div CLASS="textHeadDivider"><SPAN CLASS="textheads"><A NAME="load" ID="load"></A>ADDING MONEY TO YOUR RUSHCARD </SPAN></div> <div CLASS="faqQuestions">What are the ways to add money to my RushCard?</div> <div CLASS="faqAnswers">Direct Deposit is FREE and the most convenient way to add money to your RushCard, but we offer several other ways to add money to your RushCard. While RushCard does not charge to add money to your card, please note that the following options may involve additional third party charges:<br>      •   MoneyGram<br>     •   Check or Money Order<br>     •   Pay Pal<br>     •   Bank Transfers<br> <A HREF="addMoney.aspx">Click here to see more information on ways you can add money to the RushCard</A>. </div> <div CLASS="faqQuestions">Can I load money at Western Union or via wire transfer?</div> <div CLASS="faqAnswers">Western Union Payments or Wire Transfers are NOT accepted. Any Wire Transfers or Western Union Payments that are sent to RushCard will be rejected and reversed back to the issuing bank.</div> <div CLASS="textHeadDivider"><SPAN CLASS="textheads"><A NAME="directdeposit"></A>Direct Deposit </SPAN></div> <div CLASS="faqQuestions">What is Direct Deposit?</div> <div CLASS="faqAnswers">Direct Deposit allows you to have all or part of your paycheck or benefits electronically sent to your Prepaid Visa RushCard on payday. It is more safe, secure and convenient than receiving payment in the form of a paper check and saves you the hassle and expense associated with getting that check cashed, and handling large amounts of cash.</div> <div CLASS="faqQuestions">What is the fee to set up Direct Deposit?</div> <div CLASS="faqAnswers">Direct Deposit is FREE. We do not charge a fee for using the Direct Deposit feature.</div> <div CLASS="faqQuestions">Is there a limit to how much money I can have loaded through Direct Deposit?</div> <div CLASS="faqAnswers">Yes. The limit is up to $5,000 per day. Any direct deposits received over $5000 will be forwarded on for corporate review.</div> <div CLASS="faqQuestions">When will my Direct Deposit be available?</div> <div CLASS="faqAnswers">You will receive the amount you have chosen to deposit from your paycheck or benefits on your normal payday no later than 11am EST. However, the process may take your employer up to two pay periods to complete (before it goes into effect).</div> <div CLASS="faqQuestions">How do I set up Direct Deposit?</div> <div CLASS="faqAnswers"><A HREF="javascript:winPop('pop_directdeposit.pdf')">Click here to download a Direct Deposit Form. </A>Take the completed direct deposit form to the payroll or human resources department of your employer or benefits provider. If your employer or benefits provider already provides a direct deposit form, make sure to provide the following information: <br> Routing Number: 044000037<br> Your 16 digit card number (as the account number)<br> Bank Name: JP Morgan Chase<br> </div> <br><br><br>  <div CLASS="textHeadDivider"><SPAN CLASS="textheads"><A NAME="moneygram"></A>MoneyGram</SPAN></div> <div CLASS="faqQuestions">Where can I find a MoneyGram location?</div> <div CLASS="faqAnswers">Visit <A HREF="http://www.moneygram.com/eFindUs/findUs.do;jsessionid=027A62B21845FB01AE19CDA629F57637.TOM2?countryCode=US" TARGET="_blank">www.moneygram.com</A> and enter your zip code to find all of the ExpressPayment locations in your area. <br> <br> Every Moneygram location, even those that are "paperless", can load money onto your RushCard for you. If they have any difficulty loading money to your card, their support service at (800) MONEYGRAM will walk them through the process while you wait.</div> <div CLASS="faqQuestions">How much does MoneyGram charge?</div> <div CLASS="faqAnswers">We do not charge a fee to add money using MoneyGram. However, MoneyGram charges a fee of $3.95 for this service. Receive a reduced fee of $3.50 when you visit MoneyGram at Wal-Mart locations!.</div> <div CLASS="faqQuestions">When will the money be available on my card?</div> <div CLASS="faqAnswers">After completing the transaction at the MoneyGram location, the money is usually available within three hours, but no later than the following business day.</div> <div CLASS="faqQuestions">Once I get to MoneyGram, how do I add money to my RushCard?</div> <div CLASS="faqAnswers">Ask a MoneyGram agent for a blue ExpressPayment form. <A HREF="javascript:winPop('/expresspay.aspx')">Click here to view the form.</A> Simply complete a blue ExpressPayment form with the following information: <br> Receive Code: 2495 <br> Account Number: Your 16-digit card number<br> Company Name: RushCard<br> City/State: New York, NY<br> Then, provide the agent with the cash you want loaded to your card.</div> <div CLASS="faqQuestions">Can I transfer funds to my Prepaid Visa RushCard at <A HREF="http://www.moneygram.com" TARGET="_blank">www.moneygram.com</A>?</div> <div CLASS="faqAnswers">No. RushCard is not associated with MoneyGram online. </div> <div CLASS="faqQuestions">What should I do if money that I loaded through MoneyGram posted to the wrong card?</div> <div CLASS="faqAnswers">You should contact MoneyGram directly at 1(800) 555-3133 and an agent will assist you.</div> <br><br><br> <div CLASS="textHeadDivider"><SPAN CLASS="textheads"><A NAME="check"></A>Checks and Money Orders </SPAN></div> <div CLASS="faqQuestions">Where should I mail a check or money order?</div> <div CLASS="faqAnswers"> You can mail checks or money orders to the following address:<br>      UniRush <br>      23074 Network Place<br>      Chicago, IL 60673-1230<br> <br> If you would like to send us your deposit using an expedited service such as UPS, FedEx or DHL, please use the address below:<br>      JPMorgan <br>      Attn: UniRush - 23074 <br>      131 S Dearborn - 6th Floor<br>      Chicago, IL 60603 </div> <div CLASS="faqQuestions">What is the fee?</div> <div CLASS="faqAnswers">FREE. RushCard does not charge a fee to add money to your card when you mail in a check or money order.</div> <div CLASS="faqQuestions">To whom do I make the check or money order payable to?</div> <div CLASS="faqAnswers">Make your check or money order payable to UNIRUSH and be sure to include your 16-digit card number on the item. <br><br> We will also accept money orders and checks payable to you, our cardholder. RushCard does not accept 3rd party checks. Be sure to sign the back of the money order or check as your name appears on the front and write "For Deposit Only" before your name. Always include your 16-digit card number. </div> <div CLASS="faqQuestions">Is there a limit on the dollar amount for each check or money order?</div> <div CLASS="faqAnswers">Yes. We can only accept checks and money orders of $1000 or less per day.</div> <div CLASS="faqQuestions">How long does it take for a check or money order to post to my card?</div> <div CLASS="faqAnswers">Money orders will be posted to your card upon verification. Because checks take time to clear, checks can take up to 10 days after they are received before they are posted. Additional verification may be required for checks.</div> <br><br><br> <div CLASS="textHeadDivider"><SPAN CLASS="textheads"><A NAME="bank"></A>Bank Transfers</SPAN></div> <div CLASS="faqQuestions">Does my bank allow Bank Transfers?</div> <div CLASS="faqAnswers">Please contact your bank directly to verify if your bank will allow transfer of money to your Prepaid Visa RushCard.</div> <div CLASS="faqQuestions">Does RushCard charge to receive bank transfers?</div> <div CLASS="faqAnswers">No, RushCard does not charge for this service, however, your financial institution may charge a fee for this type of service.</div> <div CLASS="faqQuestions">What if I have already set up online bill payment with my bank?</div> <div CLASS="faqAnswers">Sending funds to your Prepaid Visa RushCard is easy - just select RUSHCARD as a payee, entering your Prepaid Visa RushCard 16 digit card number as the account number. This process is similar to paying a bill - a payment will be made to your Prepaid Visa RushCard.</div> <div CLASS="faqQuestions">When will the funds be available?</div> <div CLASS="faqAnswers">This depends on how the funds are sent from your bank to RushCard. If the funds are sent via ACH (Automated Clearing House), they are typically credited to your card within 24 hours, depending on your financial institution. However, most banks use a 3rd party vendor to process their bill payments. This means that while a bill payment is instantly removed from your bank account's available balance, the funds are then sent to the 3rd party vendor who actually processes the bill payment and sends a paper check. These checks have the same lead time as all other checks, and can take up to 10 days after they are received before they are posted.</div> <div CLASS="faqQuestions">Does RushCard accept wire transfers?</div> <div CLASS="faqAnswers">No, Wire Transfers are not accepted. Any Wire Transfers that are sent to RushCard will be rejected and reversed back to the issuing bank.</div> <br><br><br> <div CLASS="textHeadDivider"><SPAN CLASS="textheads"><A NAME="paypal"></A>PayPal</SPAN></div> <div CLASS="faqQuestions">How do I load funds from my PayPal account to my Prepaid Visa RushCard?</div> <div CLASS="faqAnswers"> Although there is no personal bank account associated with your Prepaid Visa RushCard, you can use the electronic funds transfer option to send money from your PayPal account to your RushCard. It’s easy and it’s FREE! Simply follow the steps below: <ul> <li>Initial Card Setup (one-time setup):</li> <ol> <li>Log in to your PayPal account at <a href="http://www.paypal.com">www.paypal.com</a>.</li> <li>Under the "My Account" section, click on "Withdraw".</li> <li>In the "Withdraw Funds" screen, select the "Withdraw funds to your bank account" option.</li> <li>In the "Add Bank Account" screen, enter the following information: <BR />Bank Name: JP Morgan Chase <BR />Account Type: Checking <BR />Routing Number: 044000037 <BR />Account Number: Your 16-digit card number </li> <li>Then click "Continue".</li> <li>Choose from the two "Confirm Your Bank Account" options provided to complete your setup.</li> </ol> <br> <li>Transferring funds (after account setup): </li> <ol> <li>Log in to your PayPal account at <a href="http://www.paypal.com">www.paypal.com</a>.</li> <li>Click on "My Account" and select the "Withdraw" option.</li> <li>In the "Withdraw Funds" screen, select the "Withdraw funds to your bank account" option.</li> <li>In the "Withdraw Funds by Electronic Transfer" screen, enter the amount you want to transfer to your RushCard, select "JP Morgan Chase Checking”, and click "Continue".</li> <li>Click "Submit" to confirm the transfer. </li> <li>The funds will be transferred to your card within 2-4 business days.</li> </ol> </ul> * Transfers MUST be in the name of the cardholder<br /> * Funds cannot be transferred from your Prepaid Visa RushCard to PayPal<br /> </div> <div CLASS="faqQuestions">What is the fee?</div> <div CLASS="faqAnswers">There is no charge from either PayPal or Rush Card for the transfer.</div> <div CLASS="faqQuestions">When will the funds be credited to my Prepaid Visa RushCard?</div> <div CLASS="faqAnswers">The funds will be credited to your card within 2-4 business days. The transaction will show as a deposit from PayPal in your transaction history.</div> <div CLASS="faqQuestions">Can I stop the transfer after I’ve hit ‘Submit’?</div> <div CLASS="faqAnswers">No. The transfer cannot be reversed or cancelled once initiated.</div> <div CLASS="faqQuestions">Can I transfer funds from my Prepaid Visa RushCard to my PayPal account?</div> <div CLASS="faqAnswers">No. Funds cannot be transferred from your Prepaid Visa RushCard to your PayPal account.</div> <br><br><br> <div CLASS="textHeadDivider"><SPAN CLASS="textheads"><A NAME="usage" ID="usage"></A>USING YOUR RUSHCARD </SPAN></div> <div CLASS="textHeadDivider"><SPAN CLASS="textheads"><A NAME="atm"></A>Using your RushCard at the ATM </SPAN></div> You need a PIN (Personal Identification Number) to use your RushCard at an ATM. <div CLASS="faqQuestions">How can I obtain my PIN?</div> <div CLASS="faqAnswers">You may call our automated system to obtain or change your PIN 24 hours a day/ 7 days a week at (866) RUSHCARD. </div> <div CLASS="faqQuestions">Do I need my PIN to withdraw funds from the ATM?</div> <div CLASS="faqAnswers">Yes. When you use your RushCard to withdraw money from an ATM, you will insert your card, enter your four-digit PIN number, and select WITHDRAWAL. You will then be asked if you are withdrawing the money from CHECKING, SAVINGS, or CREDIT. The correct response is CHECKING.</div> <div CLASS="faqQuestions">Is there a charge for withdrawing money from an ATM using my RushCard?</div> <div CLASS="faqAnswers">Yes. RushCard charges a fee of $1.95 for this service ($3.50 at ATMs outside of the US), and you may also be charged a fee by the financial institution that owns the ATM. The RushCard fee is used to cover charges which RushCard must pay the financial institution that owns the ATM for the transaction.</div> <div CLASS="faqQuestions">Can I check my balance at any ATM?</div> <div CLASS="faqAnswers">Yes. RushCard charges a fee of $0.50 for this service ($1.00 at ATMs outside of the US). Please note that you may also be charged a fee by the financial institution that owns the ATM. Keep in mind that you can check your balance for free 24 hours a day, 7 days a week by logging in online at www.rushcard.com or by using our automated system toll free at (866) RUSHCARD.</div> <br><br><br> <div CLASS="textHeadDivider"><SPAN CLASS="textheads"><A NAME="managing"></A>Managing your RushCard</SPAN></div> <div CLASS="faqQuestions">How do I check my Prepaid Visa RushCard available balance?</div> <div CLASS="faqAnswers">Checking your balance is easy! You can either check your balance by logging in online at <A HREF="/index.aspx">www.rushcard.com</A> or by using our automated system toll free at (866) RUSHCARD.</div> <div CLASS="faqQuestions">How do I check my transaction history?</div> <div CLASS="faqAnswers">You may check all of your transactions online, including your balance by logging in online at <A HREF="/index.aspx">www.rushcard.com</A> 24 hours a day, 7 days a week. You may also contact us at (866) RUSHCARD to hear your last 10 transactions.</div> <div CLASS="faqQuestions">Is each transaction processed immediately?</div> <div CLASS="faqAnswers">Yes. The merchant will authorize your card at the time of purchase. Keep in mind that gas stations may authorize a set amount, not the actual sale amount. Restaurants may also authorize 20% above the total to account for a tip if one is left. The amount authorized will be released back to your available balance once the merchant presents the settlement for the amount of the actual sale.</div> <div CLASS="faqQuestions">Is there a limit on the amount of money I can spend?</div> <div CLASS="faqAnswers">Yes. The combined spending limit for your RushCard is $2,000 for all POS (Point of Sale) and ATM transactions that occur in a 24-hour period. ATM withdrawals are limited to $1,000 during that 24-hour period.</div> <div CLASS="faqQuestions">Is there a limit on the amount of money I can withdraw from an ATM?</div> <div CLASS="faqAnswers">Yes. You can withdraw up to $1,000 from the ATM in a 24-hour period. Keep in mind that individual ATMs may have their own set limits on how much a user can withdraw per transaction.</div> <div CLASS="faqQuestions">I made a deposit, but I don’t see it posted to my account.</div> <div CLASS="faqAnswers">Here is the load schedule, which varies with each deposit method: <br>   Checks: posted 7-10 business days from date received<br>    Money Orders: posted once received and verified<br>    Direct Deposit: posted same day received<br>    MoneyGram usually posted within 3 hours (no later than the next business day)  </div> <div CLASS="faqQuestions">Is each transaction processed immediately?</div> <div CLASS="faqAnswers">Yes. The merchant will authorize your card at the time of purchase and this amount will be deducted from your available balance. </div> <div CLASS="faqQuestions">I returned merchandise to the store today - when will the credit show up on my card?</div> <div CLASS="faqAnswers">Credits/returns will usually post within 3-5 business days.</div> <div CLASS="faqQuestions">Can I wire money from my bank account to my RushCard?</div> <div CLASS="faqAnswers">We are not able to accept wire transfers at this time. </div> <div CLASS="faqQuestions">What is a "hold" and how does it affect my transactions?</div> <div CLASS="faqAnswers">When you purchase goods with your RushCard, merchants and retailers run your card through an authorization process to verify that you have sufficient funds on your card to pay for the transaction. When the transaction is approved, a “hold” is placed on the transaction amount. The hold instantly reduces the spendable amount on your card (your “available balance”) by the amount of the transaction. <br /><br /> The transaction amount is not actually deducted from your balance until the merchant submits a confirmation of the sale at the end of the day. This confirmation allows the funds to be deducted from your available balance and is known as the “settlement.” When the merchant submits the settlement, you will first see a cancellation of the hold, and then see the posted settlement. <br /><br /> Due to processing rules, a hold may remain on your available balance for several days while we wait for the transaction to settle. If the merchant does not settle within a defined time period, the hold will automatically be released and the funds added back to your available balance. <br /><br /> However even if a hold is released, and the funds are added back to your available balance, you are still responsible for transactions you have made, whenever they post. That is why it is a good idea to monitor your spending on an ongoing basis. </div> <br><br><br> <div CLASS="textHeadDivider"><SPAN CLASS="textheads"><A NAME="lost"></A>Lost/Stolen RushCards</SPAN></div> <div CLASS="faqQuestions">What if my card is lost or stolen?</div> <div CLASS="faqAnswers">Immediately call RushCard Member Services at (866) RUSHCARD to report your card lost or stolen. We will cancel the card and issue a new one to you within 7-10 business days.</div> <div CLASS="faqQuestions">What happens if someone uses my card without my authorization?</div> <div CLASS="faqAnswers">ATM and PIN transactions are safe because only you know your Personal Identification Number (this number should never be shared with any other person). Signature transactions (where you physically sign your name on the slip) are covered by <a href="http://usa.visa.com/personal/security/visa_security_program/zero_liability.html" TARGET="_blank">Visa's Zero Liability Policy.</a><br> </div> <br><br><br> <div CLASS="textHeadDivider"><SPAN CLASS="textheads"><A NAME="refer"></A>REFER-A-FRIEND</SPAN></div> <div CLASS="faqQuestions">What is the Refer-A-Friend program? </div> <div CLASS="faqAnswers">You can receive $5.00 for each person your refer that becomes an active Prepaid Visa RushCard member. Each friend must apply, activate and make a purchase with their new Prepaid Visa RushCard in order for the $5.00 to post to your card. <A HREF="ReferAFriend/ReferAFriend.aspx">To start referring people now, click here!</A></div> <div CLASS="faqQuestions">Is there a limit to how many friends I can sign up?</div> <div CLASS="faqAnswers">No. You may sign up as many friends/family as you wish. The more people you sign up, the more money you can earn. </div> <br><br><br> <div CLASS="textHeadDivider"><SPAN CLASS="textheads"><A NAME="more"></A>GENERAL RUSHCARD QUESTIONS</SPAN></div> <div CLASS="faqQuestions">What is the difference between the Prepaid Visa RushCard and the BabyPhat Prepaid Visa RushCard?</div> <div CLASS="faqAnswers">Both cards offer the same features and benefits. <br> </div> <div CLASS="faqQuestions">Can I have both the traditional Prepaid Visa RushCard and the BabyPhat Prepaid Visa RushCard?</div> <div CLASS="faqAnswers">Yes. You can have and use both cards at the same time.</div> <div CLASS="faqQuestions">Can I have an additional card for myself, a friend or family member?</div> <div CLASS="faqAnswers">We do not issue multiple cards. However, your friend or family member can apply for their own Prepaid Visa RushCard by <A HREF="Apply/Apply.aspx">clicking here</A>. Keep in mind you can have both the Prepaid Visa RushCard and the BabyPhat Prepaid Visa RushCard.</div> <div CLASS="faqQuestions">Can I rent a car with my Prepaid Visa RushCard?</div> <div CLASS="faqAnswers">Yes. However, in order to rent a vehicle with the Prepaid Visa RushCard, your card must be active for at least 3 three months, you must be enrolled in Direct Deposit, and your previous 2 two consecutive months of Direct Deposits amounts must be equal to or exceed $500 per month. <A HREF="javascript:winPop('pop_directdeposit.pdf')">Click here to download the Direct Deposit form</A>. These requirements exist because it is easy for potential car rental charges to exceed the amount a cardholder currently has available to be charged to their RushCard.</div> <div CLASS="faqQuestions">Can I use my Prepaid Visa RushCard at gas stations?</div> <div CLASS="faqAnswers">Yes. When using your card to purchase gasoline, please take it to the attendant for authorization before pumping your gas. The card cannot be used at "pay at the pump" machines. <br> <br> Gasoline stations will often authorize a set amount from your card, typically between $30.00 and $75.00. The amount authorized will be released back to your available balance once the merchant presents the settlement for the amount of the actual sale.</div> <div CLASS="faqQuestions">Can I use my Prepaid Visa RushCard at any restaurant?</div> <div CLASS="faqAnswers">Yes. Please note that most restaurants will authorize up to 20% above your total to include a tip, if left. The amount authorized will be released back to your available balance once the merchant presents the settlement for the amount of the actual sale.</div> <div CLASS="faqQuestions">Is it safe to use a Prepaid Visa RushCard online?</div> <div CLASS="faqAnswers">Yes. Your Prepaid Visa RushCard can be used at thousands of online retailers (including airline and hotel reservations) and is protected with Visa's Zero Liability Policy. Please keep in mind most online gambling sites do not accept debit cards.</div> <div CLASS="faqQuestions">Will I get discounts on Baby Phat clothing or accessories?</div> <div CLASS="faqAnswers">As a Baby Phat Prepaid Visa RushCard member, we are always working to bring you promotional offers/discounts on items from the Baby Phat line. In order to receive these offers, please make sure we have your updated email address on file.</div> <div CLASS="faqQuestions">How do I earn Cashback Rewards?</div> <div CLASS="faqAnswers">Each time you make a purchase with your RushCard, you will be charged a $1 Convenience Fee. These fees are capped at $10 per month, so any fees charged beyond the first ten ($10) will be credited back to your card on the 15th of the following month. The credit will be listed in your transaction history as “CashBack Rewards.”</div> <br> <br> <div CLASS="textHeadDivider"><SPAN CLASS="textheads"><A NAME="creditreporting"></A>GENERAL QUESTIONS ABOUT RUSHPATH TO CREDIT</SPAN></div> <div CLASS="faqQuestions">Are there any fees associated to enroll in RushPath To Credit?</div> <div CLASS="faqAnswers">No. RushPath To Credit is an absolutely free service provided for you once you enroll.</div> <div CLASS="faqQuestions">Will enrolling in RushPath to Credit help my credit rating or help me build credit?</div> <div CLASS="faqAnswers">RushPath to Credit can help you build a credit file with the agencies we report to. When you enroll in RushPath to Credit and make regular payments using your RushCard, such as payments on your utility, cable or mobile phone bills, your debit transaction data will be reported to participating consumer credit reporting agencies. Over time, these credit reporting agencies can use your transaction history to create a positive credit file for you. RushPath to Credit will not help your current credit rating, record, or history with non-participating agencies (those that currently do not accept RushCard transaction history as part of their credit rating system).</div> <div CLASS="faqQuestions">What types of transactions are reported through RushPath To Credit?</div> <div CLASS="faqAnswers">There are many categories of transactions which are reported through RushPath to Credit. Make sure to use your Prepaid Visa&#169 RushCard when paying your utility, cable, telephone or any other recurring bills every month. To find out more about your file with the participating consumer reporting agencies, click <a href="javascript:winPop('https://account.rushcard.com/Static/pop_CreditAgencies.aspx');">here</a> to contact them directly.</div> <div CLASS="faqQuestions">How do I un-enroll from RushPath To Credit?</div> <div CLASS="faqAnswers">You can enroll or un-enroll at any time by clicking <a href="https://account.rushcard.com/RushExtras/RushPathToCredit.aspx">here</a>.</div> <div CLASS="faqQuestions">Is RushCard a credit reporting agency?</div> <div CLASS="faqAnswers">No. RushPath to Credit simply reports the data to participating consumer credit reporting agencies. Click <a href="javascript:winPop('https://account.rushcard.com/Static/pop_CreditAgencies.aspx');">here</a> to see who we're reporting to now!</div> <br> <br> <div CLASS="textHeadDivider"><SPAN CLASS="textheads"><A NAME="cardholdersite"></A>QUESTIONS ABOUT YOUR RUSHCARD ONLINE ACCOUNT</SPAN></div> <div CLASS="faqQuestions"> Why do I have to create a Login ID and Password? </div> <div CLASS="faqAnswers"> RushCard now requires you to create a unique Login ID and Password to access your online account instead of using your card number and CVV code. This was done to increase the ease of your login process and ensure that only you are accessing your personal online account information. </div> <div CLASS="faqQuestions"> Why am I forced to answer a secret question and re-type my password each time I login to my online account? </div> <div CLASS="faqAnswers"> If you are asked to answer one of your secret questions each time you login to your RushCard online account, it means the “remember my computer” feature is not working on your computer. The "remember my computer" feature works by placing a cookie on your computer so that our website can recognize your computer each time you return. If you have cookies disabled (meaning that our site is unable to place the cookie on your computer) or are deleting your cookies after each visit, the website will not recognize you upon your next visit and will ask you to answer a secret question in order to verify your identity. <br /><br /> If you would like to enable cookies on your computer and need instructions, please visit <a href="http://www.google.com/cookies.html">www.google.com/cookies.html</a> for complete instructions. </div> <div CLASS="faqQuestions"> Why do I have to choose/answer security questions during the registration process? </div> <div CLASS="faqAnswers"> Security questions are collected during enrollment and are designed so that the answers are easy for you to remember but difficult for someone other than you to guess. <br /> Your security questions will be used in the event that you need to reset your login ID and/or password. Your security questions may also be used periodically as additional authentication when you log in to your online account, after you have provided your Login ID and password. We do this to protect your personal information. </div> <div CLASS="faqQuestions"> What do I do if I forget my password/login ID? </div> <div CLASS="faqAnswers"> <ul> <li>Visit the Forgot LoginID/Password link at <a href="https://account.rushcard.com">account.rushcard.com</a></li> <li>Provide your 16-digit card number, CVV code and social security number</li> <li>Follow the instructions to reset your Login ID and/or Password</li> </ul> </div> <div CLASS="faqQuestions"> What do I do if I forgot the answer to my secret question? </div> <div CLASS="faqAnswers"> If you’ve forgotten the answer to your secret question(s), please call our customer service agents at 1(866) RUSHCARD for assistance. </div> <div CLASS="textHeadDivider"><SPAN CLASS="textheads"><A NAME="rushbillpay"></A>QUESTIONS ABOUT RUSH BILL PAY</SPAN></div> <div CLASS="faqQuestions">What is Rush Bill Pay?</div> <div class="faqAnswers"> Rush Bill Pay is the secure, convenient, and guaranteed way to use the Internet and your RushCard to make a payment to virtually anyone. Use Rush Bill Pay to: <br /><br /> <ul> <li> Make one-time payments </li><li> Schedule recurring payments </li><li> Track payments </li><li> Update or cancel payments </li><li> Create reports of your payment history </li><li> Receive e-mail/text notifications regarding your payments </li> </ul>   <a href="javascript:winPopHeightWidth('/images/flash/billpaydemo/pop_billpaydemo.aspx', 515,920)">Click here</a> for bill pay demo<br /> </div> <div CLASS="faqQuestions">What is the RushCard Online Guarantee?</div> <div CLASS="faqAnswers"> The RushCard Online Guarantee* provides you with some of the strongest online bill payment protection available. <br /><br /> <ul> <li> Bill Payment Promise: Your bill payments will be sent accurately and on-time or we'll refund your late charges </li><li> Security Commitment: We will protect your transactions when you're paying bills online </li><li> Privacy Protection: Your privacy and personal information will remain confidential </li> </ul> *For personal RushCard online bill payment customers only. To preserve your rights under the RushCard Online Guarantee, you must follow the guidelines for properly submitting bill payments, protecting your confidential account information, and reporting unauthorized transactions as set forth in the RushCard Service Agreement for online bill pay. </div> <div CLASS="faqQuestions">How much does Rush Bill Pay cost?</div> <div CLASS="faqAnswers"> The one time enrollment fee for Rush Bill Pay is $2.00. A fee of $1.00 is charged for each bill that is paid. </div> <div CLASS="faqQuestions">How do I enroll in Rush Bill Pay?</div> <div CLASS="faqAnswers"> Just go to the RushCard website at www.rushcard.com, login to your online account, click on the Rush Bill Pay icon in the drop down menu, and then move through the easy-to-follow enrollment process. </div> <div CLASS="faqQuestions">Who can I pay with Rush Bill Pay?</div> <div CLASS="faqAnswers"> You can pay almost any business or individual that you currently pay by check: your phone bill, loan payments, insurance, and even your dentist or daycare center. *Please note you cannot pay court-ordered payments or state and federal taxes online. </div> <div CLASS="faqQuestions">How do I get started?</div> <div CLASS="faqAnswers"> Once enrolled in Rush Bill Pay, it is easy to get started by following these simple steps: <ol> <li> After logging in to your online account, go to Add Money and click on Rush bill Pay </li> <li>Add a Payee*<br /> - Have a bill in-hand to reference your account number and address information </li> <li> Make a Payment<br /> - Once a payee has been added, you can start making payments to this payee </li> </ol> *Payees are the businesses and individuals you pay through Rush Bill Pay. </div> <div CLASS="faqQuestions">How is my personal information protected?</div> <div CLASS="faqAnswers"> RushCard is committed to protecting your personal information. Strict policies and procedures are in place to ensure your account information is kept confidential. Only authorized signers can access account information. Every effort is made to protect our customers from fraud. </p> <div CLASS="faqQuestions">Is there a limit to the number of bills I can pay with Rush Bill Pay?</div> <div CLASS="faqAnswers"> There is no limit to the number of bills you can pay.