by Dan Moskel

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.

This is how the rush card works; you deposit money into your card/account, then you use your card to make purchases, money is taken out of your account to pay for those purchases. This card does offer guaranteed approval.

There is no credit check or chex systems verification. You can have a card issued to you in black or in pink.

This card offers free direct deposit. To use this you simply fill out a form and turn that into your employer.

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 card can be used to make purchases over the phone and online. In addition your rush card allows you to write physical paper checks.

To use this feature you visit the website and input the person or business that you want to write a check to. This includes name, amount of payment and address.

Then hit send and a paper check will be sent to the individual. The is a good method to use when paying your monthly bills, because you will not have to pay for money orders.

Using this service and direct deposit you can save a lot of money because you will no longer have to pay for money orders or check cashing fees again.

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 of these fees is the convenience fee the rush card has. With this 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.

Only at the end of a full calendar month will the extra convenience fees be refunded to you.

That can end up being a full 2 months before you are refunded. This is unbelievable especially because many of us use are card more than ten times in a month.

I don’t know how they get away with charging these fees it seems unfathomable. In addition making their card holders wait so long before being reimbursed.

To enroll in bill pay the rush card will charge you $2.00 and then another $1.00 for every check you write from your account. There are other prepaid cards where this service is free.

The rush card claims there are no hidden fees however that seems to be a very contradictory statement. Especially when you are forced to read the fine print to discover that you will be charged one dollar for every purchase you make.

In sum, we do not recommend the rush card to anyone. There are good prepaid credit cards; however this is not one of them.

About the Author:
Instead we suggest the account now visa they offer free activation, free direct deposit, free credit builder & free bill pay. However if you still want a rush card then visit baby phat rush card.