Baby Phat Rush Card - Review

The baby phat rush card is a prepaid credit card. It was created by Russell Simmons he co founded the popular Def Jam record label.

The baby phat prepaid card works this way; you make a deposit on your card, then you can use your card to make purchases, then the funds to pay for those purchases are deducted from your card. The card offers 100% guaranteed approval.

There is no credit or chex systems check. The baby phat rush card is issued in a pink design and the rush card is issued in a black design.

With this card you have free direct deposit. To enroll in this you only have to fill out a form and turn that into your employer or payroll department.

Then you checks will be deposited into your rush card. You will still get a breakdown on your hours and how much the deposit was.

This card can be used at ATM's over 800,000 locations throughout the world. In addition you get free online account access.

You can use your card to make purchases online or over the phone. There is also another benefit; you can write physical paper checks from your rush card account.

To take advantage of this feature, you sign in to your rush card account and insert the person or business details that you want to pay. Their details simply include name, address and amount of payment.

Then press send a real physical check will be sent to the business or person. This can save you money by not having to buy money orders again.

With this service and direct deposit you will also save money by not having to pay for check cashing fees.

However, we do not recommend the rush card. This is because of the number of fees they have that other prepaid cards do not carry.

An example is the convenience fee. This is a fee you are charged every time you use your card.

You will be charged $1.00 with a maximum charge of $10.00 a month. However during a month you will be charged $1.00 for every transaction you make using your card.

You will have to wait till the end of the month and full calendar month later to have your extra charges refunded to your account.

This can work out to you waiting almost a full two months before you are refunded for your extra charges. This is insane, furthermore who only uses their card ten times in a month?

It's hard to believe that someone can be charged these fees. In addition having to wait so long to get your refund.

Also with the rush card in order to use bill pay you must pay $2.00 and then an additional $1.00 for every check you write. There are many prepaid cards that offer this service for free.

The rush card says there are no hidden fees with their card. Yet you get charged every time you use your card. The rush card carries the most fees of any prepaid card we have reviewed.

In sum, look at some other prepaid cards. They have fewer fees and better benefits for being a card holder.