• This first best feature of this card is that you can load it up a Hugh variety of sources including all the money gram a check free outlets across the USA

• You will also not have to go through a credit check or employment check on the card

• Another cool thing about this card is getting up to 85% off you prescriptions at certain retailers. I haven’t seen this feature anywhere else.

If you’re like most people these days your credit may not be as good as it used to be and you may have the odd unpaid check to your name floating about. If you find yourself in this situation more debt and more credit card bills are probably the last thing that you want to have in your life. If any of this sounds familiar to you at the moment there is help at hand from the guys at Bancorp bank who have issued the Baby Phat Prepaid Visa Rushcard which is a store card that is that is gearing itself towards anyone who is have trouble getting unsecured credit. This card will also tweak the attention of the style and fashion conscious among you as you can now reflect your sense of style in your choice of plastic. Those who are familiar with fashion images and icons will spot immediately the baby phat feline logo and will be playfully touched by the cute pink design of the card.

Like the Baby Phat Prepaid Visa Rushcard that came before it the Baby Phat Prepaid Visa rushcard is a pre-paid debit card where you will be able to put money on your card to spend later from a variety of sources including government payroll, direct deposit from your pay check, pay pal, or direct deposit from money gram and check free outlets right across the USA. You can now spend money on the card without having to worry about bills mounting up on it as you are in control here and you have your spending limited to the amount that you put onto the card. You can now use the Baby Phat Prepaid Visa Rushcard anywhere in any outlet or on any internet site that accepts debit cards.

As mentioned above if getting credit has been an issue for you before in your financial history, you will be pleased to know that you will not have to go through a credit check or a background check on you employment in order to qualify for this card and the fee side of things is very light too as once you pay the initial activation fee you are home and dry and free from ongoing customer service fees, annual fees or monthly fees. Anytime you feel like checking your balance all you have to do is contact the friendly customer service team and you can access it straight away.
The fees with the Baby Phat Prepaid Visa Rushcard are pretty light but you should know that the activation fee does come to $19.95 which is a one off fee and there is a $1 transaction fee that is levied on each purchase but this is capped at $10 per month with no reload fees applicable here. Affiliated merchants will however charge a flat fee for reloads.

If these fees are ok with you, you will be glad to learn to that you can benefit from a variety of really innovative and interesting developments on this card that I have not seen anywhere where else in the credit card systems.
You can for example take advantage of an unusual referral system that the cardholders have in place where you can earn money by a friend or family member signing up to the card. The card issuers will pay $5 for everybody that signs up that you have recommended.

There is also a cash back rewards scheme that is available on this card that will be of interest to anyone who likes cash back features. You might recall from earlier that there is a $1 charge per transaction that is capped at $10 per month. The good news here is that any monies that exceeds this amount is refunded back to you on the 15th of the next month.

It is also possible to get discounts from certain participating retailers such as target.com, nine west and New York and company.  Another neat little feature of this card is that you can get up to 85% off prescriptions when using the card with certain retailers.

If you are wondering about balance transfers it’s also possible to get card to card transfers free with this card although there is a charge for cardholder to cardholder transfers coming in at $2.95.

If you are considering getting the card at the moment the following check list in your personal financial preferences that should give you an indication as to whether it’s for you are not.

If you want to have more control over your spending and avoid potential hefty credit card bills this option is definitely for you as it’s possible to control what you spend by setting your own credit limit to the tune of how much you decide to put onto the card.
If you have been savaged by credit card fees before the lack of monthly and annual fees will definitely appeal to you here, as will knowing that the $19.95 charge is a one off payment that you will not be hit with it again.

If you are fond of innovation in your credit card you will like the aforementioned refer a friend scheme and if style is important to you simply can’t go wrong with the look of this card with its fashionable icon.

Ultimately this card is not for someone who is anxious about building a credit score as the transactions on the card are not recorded by credit bureau agencies making it difficult to build a credit history. There certainly are a number of very favourable advantages here to owning this card from the perspective of having control over you’re spending and receiving discounts at certain retailers. The financial control it affords is certainly very attractive.

In essence this has to be one of the best cards around today for the purposes of putting you in the driving seat of your finances along with receiving favourable discounts from selected retailers and while avoiding unexpected credit card bills. This is definitely one card that you cannot let pass you by.