Consumer Action Prepaid Credit Card Survey - 2012
[Pages:109]AbouttheSurvey
Consumer Action Prepaid Credit Card Survey - 2012
AboutThisSurvey KeytoSurvey
ConsumerAc8on's2012PrepaidCardSurveywasconductedJan.16-March22by AlegraHoward.ThesurveywascoordinatedandsupervisedbyRuthSusswein. Note:YouareprohibitedfromusingConsumerAc8on'snameoranyreferencetoits surveysinadver8singorforanyothercommercialpurpose.
?2012ConsumerAc8on
NAMEOFCARDISSUER
Thecompanythatissuesthecard.
NAMEOFCARD
Thenameofthecard.
URLSOURCEOFCARDINFO
WhereConsumerAc8onfoundtheinforma8onpresentedinthisreport.
Card'sTermsandCondi7ons
Thecontractgoverningthecardholder'suseofthecard.
URLofISSUER
Themainwebsiteoftheissuer.
ISSUERPHONE
Theissuer'stelephonenumber.
CARDAVAILABILITY(STATES)
Whereyoucanbuyand/orusethecard.
FDICINSURED?
TheFDIC?shortfortheFederalDepositInsuranceCorpora8on?isanindependent
agencyoftheUnitedStatesgovernment.TheFDICprotectsdepositorsofinsured
bankslocatedintheUnitedStatesagainstthelossoftheirdepositsifaninsured
bankfails.
FRAUDPROTECTION?
Howtheissuerprotectsyouagainstunauthorizeduseofthecard.
ERRORRESOLUTION?
Yourrightstodisputeanerroronyouraccount.
TemporaryCard
Offtheshelfcardsarecalled"temporary"cardsbecauseyoueitherusethemupor
converttheaccountintoapermanentpersonalizedcardthatyoucanreloadwith
fundsagainandagain.
MinimumLoad Thesmallestbalanceallowedonthecard.
MaximumBalance Thelargestamountyoucanhave(orload)onthecardatone8me.
PersonalizedCard
Onceyouriden8tyhasbeenverified,apersonalizedcardwillbemailedtoyouand
youcanloadfundsonit.
MinimumLoad Thesmallestbalanceallowedonthecard.
MaximumBalance Thelargestamountyoucanhave(orload)onthecardatone8me.
USEOFCARD
Thissec8onexplainshowyouusethecard.
CARDRESTRICTIONS
Anyrestric8onsontheuseofthecard.
ReloadProcess
Howyoudepositfunds(loadorreload)thecard.
Creditcheckrequired?
Willyourcredithistoryhavetobeverifiedbeforeyoucangetacard.
Bankaccountrequired?
Areyourequiredtohaveabankaccountbeforeyoucangetacard.
Requirements
Anyaddi8onalrequirementsonthecard.
DirectDeposit
Canyoucandesignatethecardtoreceivedirectdepositsfromyouremployeror
governmentbenefits?
UPGRADES
Anyspecialadd-onstothecard.
FEES:
Thissec8onexplainsthefeesonthecard.
Ini7alPurchase/Ac7va7on Thefeetobuyorac8vatethecard.
Reload Thefeetodepositmoney(loadorreload)onthecard.
Withdrawal Thefeetowithdrawcash,atanATMmachineorelsewhere.
Lost,StolenorAddi7onalCardThefeeforareplacementoraddi8onalcard.
DirectDeposit Thefeetohaveincomedirectdepositedonthecard.
MonthlyMaintenanceFee Afeeonsomecardsthatischargedmonthlyjusttohavethecard.
Transac7on Afeechargedevery8meyoumakeatransac8on.
CustomerService Afeetocallcustomerservice.
BalanceInquiry AfeetocheckyourbalanceatanATMmachine.
ForeignCurrencyConversionFee Afeechargedwhenyouusethecardtomakepurchaseswithaforeign-basedvendor
onlineorinpersonwhenyouareinanothercountry.
Other Anyotherinforma8onthatmaybeapplicable.
MANAGINGYOURCARDONLINE
Text to check balance?
Howyoucancheckyourcard'sbalanceonlineandmonitoryouraccount. Ifyoucanreceivetextmessagestoletyouknowyourbalance.
Low balance email/text alerts?
Ifyoucanreceiveemailortextalertswhenyourbalanceislow.
HOWTOAVOIDFEES
Waystousethecardinamorecosteffec8vemannerbyavoidingfees.
Consumer Action Prepaid Card Survey - 2012 Page 1 of 109
Page1of2
CONFIDENTIALITY PRIVACYNOTICE
AbouttheSurvey
Howisyourpersonalinforma8onprotected,ornotprotected. Theissuer'spolicyonhowittreatsyourpersonalinforma8onforbusiness, marke8ngandotherpurposes.
Consumer Action Prepaid Card Survey - 2012 Page 2 of 109
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