READYdebit Gold Visa Card FAQs

  1. What is a READYdebit Gold Visa Card and where can I use it?
  2. Do I need to do anything before using my READYdebit Gold Visa Card?
  3. Can I add more money to my READYdebit Gold Visa Card?
  4. What is a Card To Bank Transfer?
  5. What is a Bank to Card Transfer?
  6. What is the maximum amount of money that I can add to my READYdebit Gold Visa Card?
  7. Where can I obtain a copy of my Cardholder Agreement?
  8. How do I change my PIN?
  9. What if I forget my PIN?
  10. Can my READYdebit Gold Visa Card be replaced if lost or stolen?
  11. What costs are associated with my READYdebit Gold Visa Card?
  12. How long can I use my READYdebit Gold Visa Card?
  13. What happens when I have used all the money on my READYdebit Gold Visa Card?
  14. Do I press CREDIT OR DEBIT when making a purchase?
  15. I was charged an additional ATM fee on my READYdebit Gold Visa Card. What is this?
  16. Can I get ’cash back’ or ’cash over’ at participating merchants when I use my READYdebit Gold Visa Card?
  17. Can I use my READYdebit Gold Visa Card to make purchases online, over the phone or by mail?
  18. Can I use my READYdebit Gold Visa Card at more than one merchant?
  19. Can I use my READYdebit Gold Visa Card to rent a car?
  20. Can I use my READYdebit Gold Visa Card to make hotel reservations?
  21. Can I use my READYdebit Gold Visa Card to purchase gas?
  22. What if I want to buy something that costs more than the balance on my READYdebit Gold Visa Card?
  23. What if I don't have enough money on my Card, can I make a purchase?
  24. Why do I sometimes have problems using my READYdebit Gold Visa Card at restaurants, and hair and nail salons, when I have enough money left on my READYdebit Gold Visa Card to cover the bill for the food / service?
  25. How do I return merchandise and get a credit or refund?
  26. What if an unauthorized purchase is on my READYdebit Gold Visa Card?
  27. What if my READYdebit Gold Visa Card is declined?
  28. What if my READYdebit Gold Visa Card does not work?
  29. How can I check my balance or review transactions?
  30. How do I liquidate the funds from my READYdebit Gold Visa Card?
  1. What is a READYdebit Gold Visa Card and where can I use it?

    An READYdebit Card is a Reloadable Prepaid Card. It can be used at participating merchants, ATMs and to make purchases online, on the phone or by mail. It allows you to spend only the amount of money you add to your card. It is not a credit card or charge card. Please see your Cardholder Agreement for additional information.

  2. Do I need to do anything before using my READYdebit Gold Visa Card?

    Before using your READYdebit Card, you must activate it and sign the back. To activate your Card, please follow the directions on the label located on the front of your card. Write down the Cardholder Services telephone number and your card number on a separate piece of paper in case your card is ever lost or stolen

    In order to add money again, you will need to register your card. To register your card, visit www.readydebitgold.com. Go to "Cardholder Login" and then follow the directions.

  3. Can I add more money to my READYdebit Gold Visa Card?

    Yes. You can add money to your registered READYdebit Card at any participating retail location. These locations include the retailer where you purchased your Card. You can find the location nearest you.

  4. What is a Card To Bank Transfer?

    Please contact your bank for specific instructions and any applicable fees. If you wish to transfer funds from your READYdebit Card to a Bank Account, you will need the receiving Bank account’s routing and account number. Go to Cardholder Login and follow the directions for "Transferring Money". Be prepared to provide your personal account information. Please see your Cardholder Agreement for details.

  5. What is a Bank to Card Transfer?

    Most large banks will offer a feature to allow transfers outside the bank to other accounts you have. Please contact your bank for specific instructions and any applicable fees.

    Once you obtain this information, you will need to provide your READYdebit direct deposit information to your bank. You can obtain this info at www.readydebitgold.com or by calling Cardholder Services. Please see your Cardholder Agreement for details.

  6. What is the maximum amount of money that I can add to my READYdebit Gold Visa Card?

    When you purchase your card you can add value up to $500 in a single load. Once registered, a maximum of $950 per day can be added to your READYdebit Card. However, the total balance on your READYdebit Card cannot exceed $5,000. Please see your Cardholder Agreement for details.

  7. Where can I obtain a copy of my Cardholder Agreement?

    A copy of your Cardholder Agreement was provided with the initial packaging you received with your card. Additional copies may be obtained by visiting www.readydebitgold.com or by calling Cardholder Services at the number provided on the back of your card.

  8. How do I change my PIN?

    Call Cardholder Services at the number provided on the back of your card or visit www.readydebitgold.com. Be prepared to provide your personal account information.

  9. What if I forget my PIN?

    Call Cardholder Services at the number provided on the back of your card. Be prepared to provide your personal account information.

  10. Can my READYdebit Gold Visa Card be replaced if lost or stolen?

    Yes, but only if the card was previously registered. Call Cardholder Services at 1-866-907-7531 to immediately report your card lost or stolen. After you report your card lost or stolen, we will mail you a replacement READYdebit Gold Visa Card with the remaining balance. Please see your Cardholder Agreement for further details.

  11. What costs are associated with my READYdebit Gold Visa Card?
    Card Feature Fee
    Retail Price $3.00
    POS PIN and Signature Transactions $0
    ’Cash Over’/’Cash Back’ at Retail $0
    ATM Cash Withdrawal
    You may be charged an additional fee by the ATM operator or any network used.
    $2.50
    ATM Balance Inquiry
    You may be charged an additional fee by the ATM operator or any network used.
    $1.50
    ATM Decline
    You may be charged an additional fee by the ATM operator or any network used.
    $1.00
    Employer Direct Deposit $0
    Bank Transfer to Card $0
    Retail Card Load
    (at non-MoneyGram® locations)
    $2.95
    Automatic Recurring (ACH) Payments $0
    Customer Service with Live Agent $0
    Customer Service on IVR and Web $0
    Balance Notifications via Email or Text Messaging After Each Use $0
    Monthly Fee $4.95
    Lost Card Replacement (USPS standard mail) $0
    Lost Card Replacement (Priority) $19.95
    Personalized Card $1.75

    The fees shown above are standard. Please log into your account to view your Cardholder Agreement for specific information. For additional questions call Customer Service 1-866-737-8013

  12. How long can I use my READYdebit Gold Visa Card?

    Although your READYdebit Gold Visa Card expires on the "Valid Thru" date printed on the front of the card, your funds will never expire. Please see your Cardholder Agreement for details or call Cardholder Services at the number provided on the back of your card.

  13. What happens when I have used all the money on my READYdebit Gold Visa Card?

    Find the closest locations to add money to your registered card. Certain limitations apply. Please see your Cardholder Agreement for details.

  14. Do I press CREDIT OR DEBIT when making a purchase?

    Press DEBIT and use your PIN for purchases if the merchant accepts transactions from the networks displayed on the back of your card. You can also press CREDIT and tell the cashier you want to sign for the purchase.

  15. I was charged an additional ATM fee on my READYdebit Gold Visa Card. What is this?

    This ATM fee or surcharge is charged by the ATM owner and is displayed during the ATM transaction process. Before proceeding with any ATM transaction, be sure you understand the ATM surcharges assessed by the ATM owner. Any surcharge fees are in addition to any fees that are set forth in your Cardholder Agreement for ATM transactions.

    Please keep in mind that there is typically a limit on how much money you can withdraw at an individual ATM. These limits are set by the ATM owner.

    Remember, you can always get cash at participating retailers by selecting the ’cash back’ or ’cash over’ option to avoid any ATM fees or surcharges.

  16. Can I get ’cash back’ or ’cash over’ at participating merchants when I use my READYdebit Gold Visa Card?

    You can get ’cash back’ or ’cash over’ up to $950 per day (subject to the merchant’s rules and/or limits) by using your READYdebit Gold Visa Card for purchases at any participating merchant accepting the networks displayed on the back of your card. Certain limitations apply. Please see your Cardholder Agreement for details.

  17. Can I use my READYdebit Gold Visa Card to make purchases online, over the phone or by mail?

    Yes! Before shopping, please call Cardholder Services to link your name and address to your card number. Most online and/or phone merchants verify basic information like your name and address when making a "card not present" transaction. By providing this information, the merchant will be able to quickly complete your transaction.

  18. Can I use my READYdebit Gold Visa Card at more than one merchant?

    Yes, as long as there are sufficient funds remaining on your READYdebit Gold Visa Card.

  19. Can I use my READYdebit Gold Visa Card to rent a car?

    Each car rental agency has specific rules for accepting prepaid cards as payment. Please contact the appropriate car rental agency for their terms and conditions.

  20. Can I use my READYdebit Gold Visa Card to make hotel reservations?

    Each hotel chain has specific rules for accepting prepaid cards for reservations. Please contact the appropriate hotel chain for their terms and conditions.

  21. Can I use my READYdebit Gold Visa Card to purchase gas?

    Yes. Please select the PAY INSIDE option.

  22. What if I want to buy something that costs more than the balance on my READYdebit Gold Visa Card?

    If you wish to use your READYdebit Gold Visa Card to purchase an item for more than the Available Funds, depending on the Merchant's policy, you may be able to use your READYdebit Gold Visa Card toward a portion of the final purchase price, and then use another form of payment to pay the balance of the final purchase price. This is called a "split tender" transaction because you would be splitting the final transaction amount between your READYdebit Gold Visa Card and another form of payment.

    • Before you request a "split tender" transaction, please check your Available Funds at www.readydebitgold.com or by calling Cardholder Services at the number provided on the back of your card.
    • You MUST ask the Merchant if two forms of payment will be accepted for the purchase you wish to make.
    • If the Merchant agrees, first request that the Merchant place a specific dollar amount on the other form of payment (e.g., the final transaction amount less the balance of funds available on your READYdebit Gold Visa Card ).
    • Next, use your READYdebit Gold Visa Card to pay the remaining balance. Some retailers, particularly department stores, will only allow a "split tender" transaction if the second form of payment is cash or check. Internet and most mail order merchants do not permit "split tender" transactions.

    We do not guarantee that the Merchant will accept two forms of payment.

  23. What if I don't have enough money on my Card, can I make a purchase?

    No, since your READYdebit Gold Visa Card is prepaid, you can only spend the available balance on your READYdebit Gold Visa Card.

  24. Why do I sometimes have problems using my READYdebit Gold Visa Card at restaurants, and hair and nail salons, when I have enough money left on my READYdebit Gold Visa Card to cover the bill for the food / service?

    When a restaurant or other "tip" oriented Merchant (e.g., spas, hair salons, etc.) requests approval to complete your transaction, the Merchant will often add a fixed percentage (approximately 20%) to the amount reflected on the bill presented to you prior to payment. This additional amount is meant to cover the tip that they expect you will add to the bill. As a result of this increased authorization request, if you have insufficient Available Funds on your READYdebit Gold Visa Card to cover the amount that the Merchant requested approval for your READYdebit Gold Visa Card may be declined.

    If you have more than sufficient Available Funds on your READYdebit Gold Visa Card to cover the amount that the Merchant requested to approve, it may result in a 'hold' on your Available Funds for the additional amount if you do not add the amount they expect.

    Once the Merchant sends the final transaction amount you designate, the 'hold' on your Available Funds will be removed for any additional amount exceeding the final transaction amount.

    Pre-Authorizations can take up to 30 days. During this period you will not be able to use any Available Funds in a 'hold' position.

    For example, if your meal, not including a tip, totaled $50 but the restaurant seeks approval for $60 (e.g., includes a $10 (20%) tip in the authorization request) and you choose to pay only the $50 for the meal with your READYdebit Gold Visa Card, leaving the tip in cash, then the additional $10 would be placed on 'hold' until a submission from the restaurant is received reflecting a final transaction amount of $50 on your READYdebit Gold Visa Card.

  25. How do I return merchandise and get a credit or refund?

    Any returns will depend on the return policy of the merchant. If the merchant agrees to issue a credit to the READYdebit Gold Visa Card for merchandise returned, such funds may not be available for up to five (5) business days from the date the refund transaction occurs.

  26. What if an unauthorized purchase is on my READYdebit Gold Visa Card?

    Contact us immediately by calling Cardholder Services at the number provided on the back of your card or writing us at PO Box 89233, Tampa, FL 33619 to investigate the issue. Please see your Cardholder Agreement for details.

  27. What if my READYdebit Gold Visa Card is declined?

    If you believe you have sufficient funds for your purchase, please call Cardholder Services at the number provided on the back of your card.

  28. What if my READYdebit Gold Visa Card does not work?

    Please be sure you have activated your READYdebit Gold Visa Card properly. If you are still having difficulty using your READYdebit Gold Visa Card, please call Cardholder Services at the number provided on the back of your card.

  29. How can I check my balance or review transactions?

    Visit Cardholder Login and then follow the directions to review your balance and transaction history or call Cardholder Services at no charge.

  30. How do I liquidate the funds from my READYdebit Gold Visa Card?

    You can get cash at any participating ATM, make a purchase at any participating merchant, and get cash back with a PIN purchase at participating merchants. Cash back at a retail location is usually without a charge and is a recommended method of accessing cash from your READYdebit Gold Visa Card. Retailers typically have lower withdrawal limits than ATMs.