I have been looking for a way to budget my spending and be safe online while making my purchases. My daughter suggested a pretty Baby Phat debit card. It cost $3.95 to load money on it.

Basically it's like every other prepaid card . It has it's fee and no interest gains but it will give you the confidence that your bank account is not in jeopordy. I does has a cap of $10 in usage fee's like the others except it is not a mandatory monthly charge. So if you only use the card 5 time thats $5.00 instead of $9.95.

What was very different for me is that they have a budgeting plan automatically set up for you keeping track of when and where you spent your money. It was a real eye opener to see it in print with a chart!.

It also lets me set up a budget for myself and prevents me from over spending by sending an alarm by text or email when I've reached my budget.That is awesome! I will keep this card.

I have set up budgeting plans for myself and just couldn't make it work 100% for me. I needed a little more support. The text reminder is just what I needed. I only put my allowances on that card. But I still don't want to over spend then take from my more important savings and checking accounts.

This has a built in financial counselor. I highly recommend this for students or anyone wanted to keep track of their spending and be safe online. Set up a budget, set up your spending limits, set up your spending alerts and your on your way to being care free with smart spending.

Check out Rush Cards benefits, you will also be impressed. Any small fee is nothing compared to the built in budgeting program they offer. People can stop paying monthly fee for someone else to do this. It's built in , I sure can use these charts with my bank!

Oh yeah I almost forgot it has a Free Rush Path to credit program to report your paid ontime bills to help you regain good credit up the road. Look at how Rushcard works and you too will be impressed. The benefits sure outweight my previous worries.

This may be right for you too. I'm old school so this works out for me. If you don't have the cash available don't spend. Credit will hurt you finacially. Enjoy!

Fees

Activation Fee $19.95 Convenience Fees (Domestic)
capped at $10 per month, additional fees are refunded $1.00 Add Money via Payroll Direct Deposit FREE Add Money via Retail Location* FREE Add Money via Check/Money Order FREE Add Money via Tax Refund FREE Manage Your RushCard Online FREE RushCard Inquiries via Telephone FREE Customer Service FREE ATM Cash Withdrawal (Domestic) $1.95 ATM Balance Inquiry (Domestic) $0.50 Bill Payment*** $1.00 RushCard Inactivity** $1.95 Convenience Fees (International) $2.00 ATM Cash Withdrawal (International) $3.50 ATM Balance Inquiry (International) $1.00 *MoneyGram charges a fee of $3.95 for this service
**Inactive cards; 90 days of no loads, no purchases and no ATM activity
***One Time Enrollment Fee of $2.00