How to Avoid Getting Screwed By Netspend Pre-paid Debit Card

Pre-paid debit cards pitch convenience,security and the ability to function like your average debit card

1. Read every word of the pre-paid cardholders agreement. Netspend is a popular pre-paid debit card that has had complaints of questionable business practices.

2. Do not pump gas with the card at the pump. Walk in and pay with the attendant so you will enter the transaction as a PIN purchase. If you use the pump, they will charge a $50-60 hold to your account making the funds unavailable. That is a lot when you have only loaded $200 for a field trip and have spent $30 of the $200 on gas!

3. Do not lose it. The card can be used if being swiped and entered as a credit card therefore requiring no pin. Netspend does not protect you for unauthorized charges. They will claim they do on their site, but then the fine print says only for purchases made after you call to block the card. So if a charge gets through their blocking system, which is pretty rare and requires a malfunction in their system, you are only covered then.

4. Be prepared for random freezing to your account that require you to fax ID and SSN card copies and also render your loaded money unusable. The mentioned complications associated with Netspend can rip you off because you are without your money for days because of unethical holds and difficult policies. These are pretty much the steps to avoid for the most post getting ripped off by Netspend Pre-paid debit card.

Netspend.com Netspend Account Information

Netspend is a prepaid debit card that allows consumers to load money and spend that money on purchases and pay bills. It also allows consumers to withdraw money from an ATM. Netspend is also linked to direct deposit and saving functions. Getting the most out of Netspend requires understanding all the functions account information supplies to the consumer.

Transaction History and Savings

The transaction history allows you to track the amount of money spent on particular purchases. Netspend also allows purchases to broken down into spending categories. You can arrange categories for specific items. The transaction categories might include utilities, food and transportation spending sections. Posted transactions will show the date of the transaction, the description and category in which the transactions will fall into. Finally the amount of the item purchased and the ending balance will show in posted transactions.

The savings section allows you to instantly transfer from debit funds to your savings fund. Instant transfers post in 30 minutes. Savings on the Netspend account accrue quarterly. You can also make scheduled transfers from the debit fund to the savings fund, which posts in 48 hours.

Netspend Life Benefits

Netspend offers life benefits to cardholders who are enrolled in direct deposit. Netspend offers cardholders and family members coverage in the case of accidental death or dismemberment. For every time a direct deposit payment clears through Netspend, 35 days of coverage is given to the customer, up to $8,000.

Fee Plans

Netspend account holders have the option to change from the pay-as-you-go setup--paying $1 per purchase--to paying a monthly fee of $9.95, providing free purchase transactions all month, including signature and PIN purchases. The general fee for ATM withdrawal and bill pay still applies. This plan also offers free direct deposit and anytime alerts of purchases made.

My Profile

As with any debit or credit card, customers log on to the Netspend website and update or edit their username and password using the profile page. This feature allows editing the email address, physical address and phone number.

Refer a Friend and Valuable Offers

Cardholders can refer friends and family and receive a $5 referral payment. Refer friends by giving the referral's name and email address on the Netspend website.

At different times Netspend will offer different money-saving offers and discounts to Netspend cardholders. As account holders, Netspend users have access to these offers.

My Debit Cards and Closing Account

Netspend users can activate new cards and add cards to the account. Setting up a PIN and viewing card history is also available for members. The cardholder can set up a virtual account for online shopping, place orders through catalogs and book hotel reservations and tickets. Users can also report lost or stolen cards as members. Cardholders can close their account and receive a paper check of remaining funds for a fee of $5.95.

Netspend.com Transfer Money From Paypal to A Netspend Prepaid Debit Card

You may not have a bank account, but you can get your money from paypal easier with out the hassle of a bank. netspend and account now prepaid debit cards both will allow you to get your money from paypal. I've tried both cards and I had no problem at all. follow the steps below and you will have your money shortly.

1. It's really not hard to get your money from paypal. It will seem like it in the beginning if you do not have a bank account of any sort. If you do not own a prepaid debit card, order you a prepaid debit card look online to find a company that offers free cards or card at a very low cost.

2. Once you order the card, you should call the company ask them for the account number and routing number of the prepaid debit card you ordered. They will give this information. Be sure to write it down.

3. Go to paypal. Generally you can select "get verified" and it will show how. Once you are at the page you need, you can put the bank account number and routing number in the selected slots. Once you have done this paypal will make to small deposits and you may have to call the company and ask them for the deposit information. Once you get it, go to paypal and put the deposit information in. and you will be verified.

4. When you get verified you can then transfer money to the prepaid debit card and begin to use it within 3 business days. For me it's usually the very next day. I use a card that doesn't charge a transfer fee. I need my money and that's why I chose that card.

Netspend.com Activate NetSpend Visa Card by Telephone

The NetSpend Visa is a prepaid credit card that enables cardholders to make purchases, pay bills online and directly deposit paychecks for immediate access. It requires neither a contract nor a credit check and, with an instant application process that requires just a bit of personal information, it is fairly simple to acquire. Once received, the card can be activated by phone or online, by following a few quick steps.

1. Call NetSpend at 866-387-7363 to activate your prepaid card over the phone. Confirm your identity by providing contact information.

2. Provide the customer service representative with the 16- or 20-digit account number on the front of the card, as well as the three-digit CVV code on the back of the card.

3. Provide the customer service representative with your date of birth as well as one alternate form of identification. Acceptable forms include Social Security number, driver's license number, passport or alien registration identification number. The NetSpend card will become active for use upon completion of the call.

Netspend.com Activate NetSpend Visa Card Online

The NetSpend Visa is a prepaid credit card that enables cardholders to make purchases, pay bills online and directly deposit paychecks for immediate access. It requires neither a contract nor a credit check and, with an instant application process that requires just a bit of personal information, it is fairly simple to acquire. Once received, the card can be activated by phone or online, by following a few quick steps.

1. Visit the NetSpend's registration/activation page using the link in https://www.netspend.com/account/activation.m.

2. Enter the 16- or 20-digit NetSpend account number that is found on the front of the card. Enter the three-digit CVV code from the back of the card and continue on to the next page of the online submission form.

3. Provide your personal identification information, including a nine-digit Social Security number, in the space provided and activate the card.

Netspend.com Activate NetSpend Visa Card

The NetSpend Visa is a prepaid credit card that enables cardholders to make purchases, pay bills online and directly deposit paychecks for immediate access. It requires neither a contract nor a credit check and, with an instant application process that requires just a bit of personal information, it is fairly simple to acquire. Once received, the card can be activated by phone or online, by following a few quick steps.

1. Visit the NetSpend's registration/activation page using the link in https://www.netspend.com/account/activation.m.

2. Enter the 16- or 20-digit NetSpend account number that is found on the front of the card. Enter the three-digit CVV code from the back of the card and continue on to the next page of the online submission form.

3. Provide your personal identification information, including a nine-digit Social Security number, in the space provided and activate the card.

Netspend.com Check My NetSpend Account

The NetSpend card is a prepaid debit card you can use anywhere you use a credit or debit card. You can reload the card by adding or transferring money to your NetSpend account. If you're curious about your NetSpend account balance, you can check it online for free. According to the NetSpend website, this is the recommended method. You can also call the NetSpend customer service number to check your balance. NetSpend will charge you a fee for checking your account by phone.

1. Visit the official NetSpend website at www.netspend.com. Click on "Activate New Card or Register for Online Access."

2. Input your NetSpend card number into the entry box. Flip the card over and locate the three-digit security code on the back. Input this number into the second entry box.

3. Click "Continue" to allow the system to verify your card number. A third entry box appears. Input your four-digit PIN into the box. Click "Continue."

4. Input your email address and choose a username. Click "Continue."

5. Create a password. You'll use this to access your account. Input it again for verification. Click "Done," and then click on "My Account" to view your account balance and transaction history.

Netspend.com Reload a Netspend Card From Paypal

NetSpend prepaid cards give you the freedom of a prepaid card with the convenience of a standard bank account. NetSpend cards allow you to establish direct deposits by issuing an account number and routing number for each card account. If you want to transfer money from your PayPal account to a NetSpend card, you can link the two accounts in minutes to transfer freely from PayPal onto your prepaid NetSpend card.

1. Log in to your PayPal account. Hover your mouse over the "Profile" link in the upper menu bar. Click "Add or Edit Bank Account."

2. Click "Add Bank." Select the radio button beside the "Checking" option. Input the routing number and account number for your NetSpend account. Click "Continue."

3. Choose your verification option, if presented. If verifying instantly, enter your login information for your NetSpend online account. Wait two to three days and check your account activity on your NetSpend account if you are verifying within three days. Log in to PayPal and click the "Verify Bank Account" link. Enter the amounts of the two deposits and click "Submit."

4. Log in to PayPal and click the "Withdraw" link in the top menu bar. Select "Transfer to Bank Account" in the menu. Enter the amount you want to load onto your NetSpend card in the box provided. Select the NetSpend account in the drop down menu. Click "Continue." Review the transfer information and click "Confirm."

5. Check your NetSpend account over the next five to seven days for the transfer to appear. The actual processing time can vary.

www.netspend.com Activate Card or Card Activation

www.netspend.com is very dependable service whom you can trust. Your money will be safe and secure with NetSpend. Upon activation of your card, your funds are FDIC insured up to the current coverage limit.