Should you apply for a READYdebit card? Read through this READYdebit card review and decide for yourself. If you are in the market for a credit card, there are many things that a debit card can do for you equally well. In fact, for many people a debit card may be the only option or the best option. The READY debit card is one of those choices.
READY Debit Card Benefits
The READY Debit card offers much of the convenience that credit cards offer. It gives you the flexibility and convenience of credit cards because you don’t have to carry cash or worry about running out of money. It allows you the freedom to make impulse purchases without a trip to a cash machine, as long as you have the money available on your card. There is also automatic acceptance for everyone who applies and can verify the information they provide.
The READY debit card offers you a variety of benefits and freebies that you wouldn’t get with traditional banking or credit cards. If you opt for free direct deposit to your READY debit card, you get online bill pay and online check writing absolutely free. You can also get cash from any one of more than a million ATMs. In addition, because you cannot use money that is not on the card, you will never again incur overdraft fees. It even allows you to check your balance free of charge and make purchases without any additional fees if you opt for the Select card.
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Because the READY debit card has a VISA logo, it can also be used anywhere that VISA is taken. You do not have the worries of whether or not your debit card will be accepted, as it is a part of the biggest network in the nation. Having this debit card also allows you the flexibility of online shopping as it is personalized and works much like a credit card, unlike many of the “disposable” non-customized reloadable debit cards. With this card you even have FDIC insurance and zero liability from VISA for fraudulent purchases.
Choosing a Debit Card Over a Credit Card
Many financial gurus who teach people to get out of debt and live within their means are huge fans of debit cards. In fact, many of them only own and carry debit cards. For anyone who is struggling with having the discipline to stay within a budget, reloadable prepaid debit cards is the way to go. You can have your entire paycheck deposited to your reloadable debit card, or a portion of it, and when the money is gone, you have to wait until the next deposit to spend more. It teaches money management without costly banking fees for mistakes.
If you have poor credit and are ineligible for a credit card, this particular debit card is an excellent choice. As long as you can verify your identity and the information you provide, you will be automatically accepted for the debit card. With the VISA logo, it gives you the look, convenience and ease of a credit card without the need to qualify.
The Downside Of The READY Debit Card
The READY debit card offers many benefits, however it is not a credit card and therefore limits you to the amount of money you have at your disposal. If you need extra cash for an emergency situation, you are out of luck. In addition, there are certain situations where you need to have access to an actual credit card. Often when renting a car, if you do not have a real credit card, you may end up paying more, leaving some form of security or having funds frozen in order to rent a car. Many hotel rooms also require an actual credit card that they can use as security against damages, loss or additional charges. If you do not have a credit card, they may require a security deposit that freezes your available funds. Alternatively, you may be refused a hotel room or a rental car without a credit card.
If you are looking for a card that meets your needs, whether you have poor credit, no credit or are just looking for a way to get a handle on your spending, the READY debit card may be the perfect option for you. Let the credit card chaser find you the right options to fit your needs in an easy-to-compare format. By simply providing a little information, you can instantly get the information you need to help you put the right card in your wallet. Get started now putting the credit card chaser tool to work searching for your credit card and debit card options.
If you want to apply for the READYdebit card then click on the orange apply button at the top of the page. To compare credit card of all sorts then click to use our credit card finder now!