• It is covered by Visa Zero Liability policy, which means your money will be returned to you in case your card is stolen or missing.

• Call its 24-hour customer service using the toll-free or landline numbers  anytime you like without ever worrying about getting charged a small fee.

• Unlike other prepaid cards which place a maximum limit on the amount the card holder can purchase online or over the counter, Vision Platinum offers free unlimited purchases. 

When applying for credit cards, banks poke at your history of loan applications and payments, run their finger through them and make sure they are squeaky clean. So if your FICO score is not anywhere near 700 points, banks tend to fish out from their templates of excuses before sending your application back to you. But with Bancorp Bank Vision Platinum Visa Prepaid Card, there’s still a chance for you to own a plastic. In fact, it is the kind of card that is actually manufactured for people with poor credit histories. If you have any doubts, just consider Vision’s 100% approval rate.

Powered by Visa, the Vision Platinum prepaid card is another offering of Bankcorp Bank, an online commercial bank which is known for its innovative financial services, for U.S. consumers. A subsidiary of Bancorp Inc., the bank manages to introduce new debit cards quicker than most servicers because of its system of private-label affinity partnerships. So you know you’re in good hands.

Consider the Vision prepaid card line, for example. There are numerous banks offering debit cards in the market but what makes this product line different—even taking into account that it does not possess the sleeker look of its cousin, the Bancorp Bank Black Diamond Prepaid Visa RushCard—is its sheer dynamism.

Apart from the Vision Platinum, there is also the Vision Premier prepaid card (which has a $1,000 spending cap every month) and the Vision Preferred (ideal for people who don’t want too much hassle in their electronic transactions). In terms of features, however, the Platinum bests them all.

Although there's small weekly maintenance fee but the company website says it will be waived off with Direct Deposit. 

Here’s a quick inventory of the list of benefits you get from Bankcorp Bank Vision Platinum Visa Prepaid Card:

1. You won’t be subjected to embarrassing credit tests or background checks into your payment history;
2. You also get free PIN and signature;
3. No charge for Direct Deposit transactions;
4. Free alerts via mobile phone or email;
5. You can use your card to get tax refunds;
6. There's no activation fee if you make three subsequent Direct Deposits, or by submitting a rebate form through mail.

With over 100,000 retail stores nationwide, it's very easy to refill your card through Direct Deposit. Through PayPal or cash transfers, you can also send money to another  any other card, although it would be much easier if you will just gift your loved ones with Vision Platinum for easier money transfers. Unlike other prepaid credit cards, you can also withdraw cash from ATM machines worldwide as long as there's the Visa or STAR mark on it.

And if those are not enough, Vision Platinum is also equipped with security features to guard your money from hackers or identity thieves, so you can make online transactions with a peace of mind.

One of the most attractive features of Bankcorp Bank Vision Platinum Visa Prepaid Card is the opportunity to build up your credit history. By applying in a separate program offered by Bancorp dubbed PayFit Credit Builder, you can use Vision Platinum to pay your monthly bills for telephone, water, light and cable and each subsequent payment or deposit will be reported to credit reporting agencies. This credit buildup option is one area where Bancorp separates itself from its competitors, and one that U.S. consumers with poor credit history should take advantage.

You can also access your account online to track your payment record, deposit patterns and withdrawal transactions. This comes in handy if you are trying to take control of your finances. Although it does sound taxing to have to deposit money before your can use your prepaid card, it does provide the prospect of curbing bad spending habits. This is the reason why there’s a rise in prepaid or debit card applications in recent years, especially with the economy as bad as it is, as more and more consumers recognize that traditional credit cards cultivate a consumerist attitude. It’s difficult to say no to those pretty shoes or a striking watch only because you have plastic in your wallet. In that moment, it’s quite hard to grasp that you are basically spending money you have yet to earn. Reality check will come in hard after you receive your monthly bill and have no idea how to settle it.

Worried about overspending? The Vision Platinum has account balance alert feature which updates you on schedule if the money left in your card is dangerously near the minimum limit. That should give you enough heads up to either deposit more money or stop making further payments or purchases. 

Unlike traditional credit cards which slap a hefty fine or overdraft penalty whenever you miss a single payment, there’s no danger of a financial surcharge in Bankcorp Bank Vision Platinum Visa Prepaid Card. Remember, you only spend what your card is worth, meaning how much money you actually deposited in it.

It’s hard to imagine that in an era of artificial intelligence, there are millions of Americans out there who still have no access to online payment methods. Here’s what a debit card can do for you:

1. You can make purchases online in the comforts of your home and wait for the product to be delivered to you.
2. You can avoid long lines whenever you pay your bills.
3. Order your prescription medicines online rather than having to take a bath, wear a dress and fix yourself up just to go to the drugstore.

For practical purposes, it’s much safer to just bring a plastic than stuff your pocket with dollars. People with itchy feet can relate to this especially when they travel to destinations they are not familiar with. Security is always an issue to foreign tourists and it’s better to lessen the risks by not sashaying around with hundreds of dollars in their wallets. The Vision Platinum is recognized by any store or company around the globe which accept Visa debit cards.