How does a Prepaid MasterCard card work? A prepaid MasterCard card can be used anywhere that MasterCard debit cards are accepted, including over 1 million ATMs worldwide. The Prepaid VIP Select MasterCard works exactly like a traditional MasterCard card, except that the VIP Select MasterCard does not have a credit line. Card customers add funds to their cards by visiting a Cash AdvantEdge retail location and loading funds in person or by participating in direct deposit.
What if I have bad credit? Can I still get a VIP Select Prepaid MasterCard? Yes. Credit checks are not required to open a VIP Select Prepaid MasterCard account.
Does purchasing the card or using the card assist me in building a positive credit history or rating? No. The VIP Select Prepaid MasterCard is not a credit card. It is a prepaid card. Because there is no credit line involved, credit history or a credit rating will not be built by using the card.
Will my name be on the card? Yes, the cardholder's name will be embossed on the personalized card that is received in the mail. For security purposes all personal information provided by the cardholder during the card account set up process is verified.
How long does it take to get my personalized card in the mail? Your personalized card will arrive in the mail at your home within 10-14 business days after you purchase the VIP Select Prepaid MasterCard package. Cards are shipped First-Class Mail, the next business day after card account activation. If you haven't received your VIP Select Prepaid MasterCard within 10-14 business days, please call Customer Support at 1-801-736-2441.
Can I purchase and use more than one VIP Select Prepaid MasterCard? Yes.
I purchased an item for $20, but my card balance is only down by $1. Why? Many website and phone merchants will do what is called a "dollar authorization." These merchants will check to see if your card account is valid. Once the merchandise that you have ordered has been shipped, your card account will be charged the full amount.
Can I use my card to rent a car? Yes, the VIP Select Prepaid MasterCard can be used to rent a car, however keep in mind that the dollar amount that is held by the car rental company may be more than the actual car rental amount. Car rental companies will hold additional funds in anticipation of "extra" fees that are associated with the car rental, such as refueling costs, damage made to the vehicle and extra rental days. You will not be able to use the funds that are held until the rental vehicle is returned and the final transaction is posted to your card statement.
Can I withdraw cash from my card at ATMs? Yes. You will assign a (personal identification number) by calling 1-866-674-9628.
How do I check my available balance? You can check your balance online anytime at www.myVIPSelect.com or you can call the automated card account access line at 1-866-674-9628.
How can I check my transaction history? You can check your card account transaction history online anytime at www.myVIPSelect.com, or you can call the automated card account access line at 1-866-674-9628.
Are there limits on how much money I can put on my card? Yes. Review the terms and conditions included in the VIP Select card package, or ask the Cash AdvantEdge store clerk for the information prior to card purchase. The maximum value of the card can be no more than $9,500.
Can I spend more money than I have on my card? No, but sometimes a merchant will make a mistake and accept your card without checking availability of the funds on your card account. Should this occur you will be responsible for payment of the charges to your card account. A negative balance fee may be charged to your card account.
What if someone steals my card or uses it without my permission? Contact Customer Support at 1-801-736-2441 immediately. Your card account will be cancelled. Any remaining funds on your old card account will be transferred to a new card account. A new personalized card will be mailed to your address on file. A fee for this service will be charged to your card account.
What if I return merchandise? Web and store retail outlets will credit the return amount back to the card that was used for the original purchase.
How do I cancel my VIP Select Prepaid MasterCard account? Contact Customer Support at 1-801-736-2441 and inform them of your desire to cancel the card account.
I made a purchase but funds for the purchase have not yet been deducted from my card account. Why? Website and phone based merchants sometimes batch their card authorizations. These merchants will accept multiple orders and then submit the orders for authorization all at one time. While pending the authorization process, the funds will remain on your card account until the transaction has been submitted for authorization by the merchant.
I purchased an item on a website and funds have not yet been deducted from my card account. Why? Most company websites only charge the customer's card account when the merchandise is shipped.
Why should I use direct deposit with my VIP Select Prepaid MasterCard? Direct deposit offers you many advantages including: 1. Safety: You no longer have to carry large amounts of cash. 2. No more lost or stolen checks! 3. Convenience: You no longer have to go to a location to cash your payroll check! 4. Savings: No more check cashing fees! 5. Security: You gain the security of knowing that your payroll funds are on your card and available immediately on payday.
Can I have my payroll funds directly deposited to my VIP Select Prepaid MasterCard? Yes, submit the direct deposit enrollment form located at the bottom of the card carrier in your VIP Select MasterCard envelope to your employer or government benefits office. If you need a direct deposit form, contact Customer Support at 1-801-736-2441.
How do I begin using direct deposit? 1. Ask your employer if they offer direct deposit. 2. Complete the direct deposit enrollment form located at the bottom of the card carrier. 3. Please allow one to two pay periods for the direct deposit service to take effect and then your payroll will be deposited directly to your VIP Select Prepaid MasterCard card account.
What account number do I use for direct deposit? The routing number and account reference number are located on the bottom of the direct deposit enrollment form in your VIP Select card package.
How can I be sure the deposit was made? To confirm that the direct deposit was made to your card account, call the automated card account line at 1-866-674-9628 or view your card account details online at www.myVIPSelect.com.
My direct deposit was supposed to be deposited today, but I don't see it on my available balance. What happened? The exact time of day that your paycheck is deposited onto your card might vary from payday to payday. If you are concerned about the status of your direct deposit please follow these steps: 1. Contact your employer for the TRACE # of your direct deposit transaction. 2. Once you have the TRACE #, call VIP Select Customer Support at 1-801-736-2441 for assistance.
When can I access the money deposited into my card account? Once the electronic deposit from your employers' bank is received and verified, funds are available on your VIP Select Prepaid card account.
What if there is a discrepancy between my VIP Select card account statement and the deposit notice I received from my employer? Notify VIP Select Customer Support and your employer immediately.
Can I cancel my direct deposit and still keep my card? Yes. If you decide you no longer want to use direct deposit, notify your employer. They will tell you how to cancel the service. Canceling direct deposit will in no way impact the use of your card.
The VIP Select Prepaid MasterCard is issued by MetaBank pursuant to license by MasterCard International Incorporated.
