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View Full Version : Babyphat's Visa Rush Card



CatSuga
12-19-2004, 05:34 AM
Does anyone else here have one? It's soooo cute and pink. (I wear a lot of pink.) Though I haven't really figured out what I need this card for. I I just got it cause it's cute.

DaisysHair
12-19-2004, 05:37 AM
Sorry don't have it, trying to get rid of all stagnant debt now. :D

Sunchild
12-19-2004, 08:53 PM
Originally posted by DaisysHair@Dec 19 2004, 02:37 AM
Sorry don't have it, trying to get rid of all stagnant debt now. :D

649100

Its a debit card accompanied by too many fees.

No I will stick to my free debit card from my bank.

elleebeme5
12-19-2004, 10:36 PM
Originally posted by CatSuga@Dec 19 2004, 01:34 AM
I I just got it cause it's cute.

649097



Which was their intent wasn't it? l.

The looks of a card have never mattered to me. When I renewed a card last year there was this sheet of pictures for me choose among. I chose the regular platinum just in case I had overlooked something that would charge me for fuschia or whatever the other options were.

SexyMocha304
12-19-2004, 10:49 PM
One of my friends has that Baby Phat card. The last time I saw her, she whipped it out her wallet like "Haaayyyy check me out!" I was crackin up. But yeah, it's a really cute lil addition to the wallet. Me personally...I'm just fine with the lil gold card that Wells Fargo gave me. As long as I can withdraw my money in peace, I have no objections. Keep blingin :)

MsCurly85
12-20-2004, 02:31 AM
I don't have the card- im thinkin about getting it. infact im probably going to end up buying it- im going to check it out now... sounds too cute- but im addicted to baby phat jeans, lil tops.. and the EARRINGS!... i got the black,silver,baby blue,baby pink, silver tone, yellow earrings

Sunchild
12-20-2004, 02:34 AM
Schedule of Fees

To receive a personalized Rush Visa® Card we only require a name and valid U.S. address.

Rush Visa Card Debit Card, shipping and fulfillment fee
$19.95
Add funds via Direct Deposit Free
Add funds via Social Security Administration Free
Add funds to your account via bank transfer *** Free
Add funds to your account at loading points (MoneyGram)** Free
Add funds to your account via Money Order Free
View your statement online Free
Check Balance online (www.rushcard.com) Free
Check Balance at ATMs or IVR $1.00
Account maintenance on active accounts Free
Convenience fee on purchases $1.00
Cash Withdrawal Fee - Domestic ATMs $1.50 per withdrawal
Cash Withdrawal Fee - International ATMs $3.75 per withdrawal
Account maintenance on inactive accounts (90 days of no activity)* $5.00
Rush Bill Pay - Each bill payment $1.00
Payment to third party via check $1.00


* inactive account-90 days of no deposit or charge activity
** MoneyGram charges a flat rate for all transfers up to $10,000
*** Your issuing bank may charge a fee

MsCurly85
12-20-2004, 02:38 AM
so wait... can this be just debit card?

Sunchild
12-20-2004, 02:42 AM
Originally posted by MsCurly85@Dec 19 2004, 11:38 PM
so wait... can this be just debit card?

649810

It is a debit card that comes with a load of FEES.

https://www.rushcard.com/benefits.html

Scroll down TO SCHEDULE OF FEES

MsCurly85
12-20-2004, 02:51 AM
oh cuz it sounds more like a credit card


https://www.rushcard.com/index_secure.html

ini
12-20-2004, 02:53 AM
i'm trying to get rid of those evil cards not add on more as accessories

Shanna
12-20-2004, 06:03 AM
"A Prepaid Visa card"??? What's the point of that with all those fees? :dunno:

Ace9
12-20-2004, 07:10 AM
Man Western Union had one of those. At the time I dind't have a bank account and I thought it was a great way to keep my money. Keep in mind it wasn't cute. And with all the fees included in it...I never had any money at all. I spent more money trying to keep the card up to day within the 90day thing...than any other place. It was a bloody nightmare!! I'd stay away from that. Suze Orman would have a field day on those crappy cards and how their robbing the American people.

elleebeme5
12-20-2004, 12:36 PM
Those cards are not tremendously higher up on the poop scale than the check into cash places. Because there's likely not a local bank associated with the cards, you may also incur fees not just from Baby Phat Rush, but from whichever bank's ATM you use when making a withdrawal.

Can't you get a regular debit card and put some pink contact paper over it?

Dolliesdaughter
12-20-2004, 12:50 PM
This is Russell's commitment to help "us" get our credit together. Um, yeah. About a year or so ago I remember that this came up in discussion and most of us said it was a big load. It boiled down to making Russell and Kimoria richer.

KnappilyMe
12-20-2004, 01:22 PM
lol i have one.. it keeps me out of sooo much trouble! load my "limit" and stick to it! lol

It is not as bad as it seems and it is cheaper then the other Prepaid cards out there. I have 2 of them. I have had them for about a year now. one is for mad money and the other is for emergencies. I admit it is not for everyone but it keeps my credit rating out of the toilet.

tran68
12-20-2004, 02:14 PM
What Russell/Kimora need to do is show folk how to manage they money so they can get legit cards with ZERO fees and low interest rates....it's called good credit which too many of us think is a joke, what's a joke is being robbed by our own! :(

LocMeBFree
12-20-2004, 02:58 PM
I have seen these cards. They are cute. lol but i do have to say they are playing off of the people who have bad credit already. Many black people are on check systems. If you can have your stuff direct deposited to your card FOR FREE and then do your bill pays off of them instead of going to your check cashing place, people will do it. For some people, there is no alternative. Western Union has there own little check card too but the fees are much higher.

Its actually not a bad alternitve for some people. it is even more of a convenience to some people. with this you can even access your money 24/7. Yes it is riddled with fee's ( most bank accounts are too but if you are careful you can manage them and learn to make the best out of it. We have to face it though, there are alot of people out there with bad credit. and this is the best option for them.

shay
12-20-2004, 03:01 PM
:( One more way to keep us parted from our money. Considering that more & more banks are starting to offer accounts to low income/credit risks there is no reason to fall for this scam. Sorry, that's all it is is a scam, just like the payday loan places and the currency exchanges.

Yet its a sucessful scam, I mean its a cute card and the marketers of this card know who there audience is. Let's just say they know that certain people could care less how cute a card is, its about the fees, etc.


Reading this actually just made me mad, one more reason I wouldn't give my money to phatbaby, phatbaby momma or any phat company. Cuz they are laughing all the way to the bank hoping folks fall for the okie-doke.


:soapbox:

tran68
12-20-2004, 03:05 PM
:smil3f72836ee752e: :smil3f72836ee752e:

elleebeme5
12-20-2004, 03:11 PM
A few questions - I'm not being critical but I obviously don't get it (other than the cute thing)

How much discipline does it to use your bank's ATM so that you don't incur fees? Am I missing something?

How do these cards help your credit rating?

JustKei
12-20-2004, 03:15 PM
I cant see why I would pay money to spend money.... free checking all the way with BOFA

Sunchild
12-20-2004, 03:29 PM
Originally posted by elleebeme5+Dec 20 2004, 12:11 PM-->
A few questions - I'm not being critical but I obviously don't get it (other than the cute thing)

How much discipline does it to use your bank's ATM so that you don't incur fees? Am I missing something?

How do these cards help your credit rating?

650385
[/b]


<!--QuoteBegin-JustKei@Dec 20 2004, 12:15 PM
I cant see why I would pay money to spend money.... free checking all the way with BOFA

650392


Im wondering that too? :dunno: The only thing I can see is not being able to get a bank account with debit.

KnappilyMe
12-20-2004, 06:38 PM
Originally posted by afrikankween@Dec 20 2004, 11:29 AM
Im wondering that too? :dunno: The only thing I can see is not being able to get a bank account with debit.

650418

It does not help with credit. I use mine to keep from using my credit cards. In a way it helps me budget my money. It does not help your credit rating at all. It is a debit card. I use mine aside from my bank ATM and credit cards. It helps me manage my money. It is actually one of the cheapest loadable visas around. There are no deposit fees, no security deposits (some places want $500), and you have online account management (which is always up to the minute)
And what about the people who cant get a bank accounts? This card is ALOT LESS MONEY spent instead of going into the check cashing places (i have been there i should know) I would rather walk around with the card anyway then with that big "a" wad of cash.


Sorry, that&#39;s all it is is a scam
I dont think it is. like i have been saying about people who cant get bank accounts? What will they do? they work but are on check systems for some reason. You get a check every week, two weeks, month and then what do you have? a piece of paper that says you worked and they paid you but how can you cash it? It is nothing much more then an alternative for people who cant obtain a bank account because of bad money management choices in the past and now have bad credit or are on check systems. or for people like me who want to prevent my credit from getting bad.

Yes there are fee&#39;s but these people wont just cash your check out of the kindness of their hearts. If you think about it that way credit cards are a scam because of the intrest. That is how the credit card companies get their money. Off of the intrest. With this card you are just paying it up front. I still think its cheaper and the money is yours off rip. you dont owe anyone but you.


:: What is the Rush Visa® Card? ::UniRush Financial Services offers financial power and freedom through practical, powerful tools and an indispensable card–The Rush Visa Card.

The Rush Visa Card looks like a credit card and acts like a debit card but does a whole lot more. You can now pay bills at your convenience, purchase goods on and offline, eliminate check cashing fees and much more.

The Rush Visa Card can be used anywhere Visa is accepted and at over 780,000 ATMs worldwide. The Rush Visa Card is a prepaid Visa Card issued by Manufacturers and Traders Trust Company pursuant to a license from Visa U.S.A. Inc. and only available to residents of the United States.

It never said anything about boosting your credit rating (who was it that says reading is fundamental?) <_<

If you have A1 credit then great! this card is not for you.
If you can get a bank account then great! this card is not for you.
Its for the people who cant.


ETA: you also get cash back for keeping a balance in your account. I looked up one day and saw an extra $60 in my account! Another month it was about $30 in there. It is called the Baby Phat: Monthly Account Inactivity Fee. The less you use it the more you get back.

elleebeme5
12-20-2004, 07:25 PM
Okay, I&#39;m still confused. Who can&#39;t get a checking account?

And how does this help you manage money differently from a debit card? You spend what you have, right?

KnappilyMe
12-20-2004, 07:28 PM
Originally posted by elleebeme5@Dec 20 2004, 03:25 PM
Okay, I&#39;m still confused. Who can&#39;t get a checking account?

And how does this help you manage money differently from a debit card? You spend what you have, right?

650565


If you are on check systems you cant get a bank account at most banks. (CheckSystems is like the no no list for people who have had bank accounts closed out due to taking out more money then what you had and never paid it back to the bank) It is all about credit. Once you end up on check systems it stays on your credit report for 7 years (i think)

And yes you spend what you have but you have to have a bank account first to get a debit card. thats the kicker... if you dont have a bank account (cant get one) you cant get a debit card.

Sunchild
12-20-2004, 07:59 PM
Originally posted by elleebeme5@Dec 20 2004, 04:25 PM
Okay, I&#39;m still confused. Who can&#39;t get a checking account?

And how does this help you manage money differently from a debit card? You spend what you have, right?

650565


Alot of people not only cheksystems, but many banks now check your credit score to open an account. Some banks also check your credit score to get a debit card. There is a large segment of people who cannot gain access to mainstream financial instruments and have been relegated to this alternative financial system characterized by excessive fees.

elleebeme5
12-20-2004, 09:25 PM
OIC, I had never heard of check systems before. You learn somethine new everyday.

If you have a checking account, how does having this card help you manage money or keep your credit from getting messed up?

Does anyone know if the BabyPhat reports to one of the credit reporting agencies? If you mess it up, does it go on your credit rating?

vinny_46
12-20-2004, 11:09 PM
Originally posted by shay@Dec 20 2004, 08:01 AM
:( One more way to keep us parted from our money. Sorry, that&#39;s all it is is a scam, just like the payday loan places and the currency exchanges.

Yet its a sucessful scam, I mean its a cute card and the marketers of this card know who there audience is. Let&#39;s just say they know that certain people could care less how cute a card is, its about the fees, etc.
Reading this actually just made me mad, one more reason I wouldn&#39;t give my money to phatbaby, phatbaby momma or any phat company. Cuz they are laughing all the way to the bank hoping folks fall for the okie-doke.
:soapbox:

650371


:smil3f72836ee752e: Just one more way to make them richer.

:icon_headshake:

Shanna
12-20-2004, 11:15 PM
Alot of people not only cheksystems, but many banks now check your credit score to open an account. Some banks also check your credit score to get a debit card. There is a large segment of people who cannot gain access to mainstream financial instruments and have been relegated to this alternative financial system characterized by excessive fees.

That sucks. :( I could see how that card might help manage your money... you won&#39;t be spending as often to avoid those fees. :P Whereas cash in your pocket with no miscellaneous "spending punishment", it&#39;s more tempting to spend.


you also get cash back for keeping a balance in your account. I looked up one day and saw an extra $60 in my account! Another month it was about $30 in there. It is called the Baby Phat: Monthly Account Inactivity Fee. The less you use it the more you get back.

JustKei
12-20-2004, 11:31 PM
I guess its different strokes for different folks. When I am on a tight budget I withdraw my spending money from the account and keep the raw cash. I dont like to see my money dwindle so I dont spend any cash unless I have to, whats left in the account should cover my bills....

I guess if you cant open a checking account and you dont want to walk around with cash, you just have to do what you have to do......

BTW cant get any cuter than my BOFA card it has my pic on it! :D

tran68
12-21-2004, 12:15 AM
unfortunately I learned about Check Systems in my early 20s and accounts stay on there for 5 years, but just like the three credit bureaus you HAVE to make sure they take the stuff off when the time comes, it&#39;s not like they&#39;re sitting around waiting to delete your derogatory info..... <_<

KnappilyMe
12-21-2004, 12:57 PM
Originally posted by JustKei@Dec 20 2004, 07:31 PM
BTW cant get any cuter than my BOFA card it has my pic on it! :D

650663


what is a BOFA card? Is that Bank of america? Dont you have to have a checking account to get one?

Dolliesdaughter
12-21-2004, 01:33 PM
Originally posted by elleebeme5@Dec 20 2004, 05:25 PM
Does anyone know if the BabyPhat reports to one of the credit reporting agencies? If you mess it up, does it go on your credit rating?

650588


You can&#39;t mess up too bad. If you don&#39;t have money in the account you can&#39;t spend it.

JustKei
12-21-2004, 01:35 PM
Originally posted by KnappilyMe@Dec 21 2004, 08:57 AM
what is a BOFA card? Is that Bank of america? Dont you have to have a checking account to get one?

651259


Yes it is a Bank of America visa check card....

Trula
12-21-2004, 06:01 PM
Banks...come with their own nightmare. You bounce one check that&#39;s $25 right there. And yes, I am one of those people who struggled for years with financial issues. I love my parents but financial responsibiltiy is not something they taught me. I think this is true of many in the black community, this is not something stressed in our community, with our kids, and is part of the reason so many AAs have bad credit. When I was young I got a bunch of credit cards in college and jacked my credit up. Messed up a few bank accounts.

Now I have a personal and business account checking, both of which I am very careful about. But I have incurred fees with my personal checking due to not paying attention. I have learned I have to update my checking account info as stuff occurs (ATM withdrawals, buying stuff at a store with my card) otherwise I&#39;ll forget it. And I never use my card at another bank&#39;s ATM, that one used to get me all time, I&#39;d forget that little fee they charge and how it would affect my balance and bam! I&#39;d bounce a check.

I don&#39;t have any regular credit cards not attached to a checking account, if I ever get another one it&#39;ll be Amex because you have to pay off the balance every month.

P.S if you want to help your credit with a prepaid Visa or MC then you have to get one attachd to a savings account, I think Providian? offers one. You send them a couple hundred, they open a savings account for you and issue you a card with a credit limit in the amount of your savings. But that money is there for back-up, anything you use on that card you have to pay back like a regular credit card, and they report it to the credit agencies.

P.P.S if I had to have a pre-paid Visa I&#39;d much rather give my ends to Russell and Kimora to set it up, as opposed to some anonymous non-black folks. These are black people offering an option for folks, many of whom could not get a debit card any other way. If you have to have one or just want one, why not go with one that&#39;s black owned? but I do agree that they should include some money-management tips.

KnappilyMe
12-21-2004, 06:45 PM
Originally posted by Trula@Dec 21 2004, 02:01 PM
Banks...come with their own nightmare. You bounce one check that&#39;s $25 right there. And yes, I am one of those people who struggled for years with financial issues. I love my parents but financial responsibiltiy is not something they taught me. I think this is true of many in the black community, this is not something stressed in our community, with our kids, and is part of the reason so many AAs have bad credit. When I was young I got a bunch of credit cards in college and jacked my credit up. Messed up a few bank accounts.

P.P.S if I had to have a pre-paid Visa I&#39;d much rather give my ends to Russell and Kimora to set it up, as opposed to some anonymous non-black folks. These are black people offering an option for folks, many of whom could not get a debit card any other way. If you have to have one or just want one, why not go with one that&#39;s black owned? but I do agree that they should include some money-management tips.

651528


ITA
thanks for saying some of the other things i was trying to get out but i could not at the time (toooooo many thoughts at one time lol )

Trula
12-21-2004, 06:50 PM
Oh you are welcome :) Your hair is too fly in your avatar! I really like that.