FAQ
What
is a Stored Value Card?
What
if I have bad credit?
Will
the Cardlinx Stored Value MasterCard rebuild my credit?
How
does the Cardlinx Stored Value MasterCard work?
Is
it good everywhere MasterCard is accepted?
Does
it work outside the country?
Can
I use the Cardlinx Stored Value MasterCard at an ATM?
What
fees are charged for my Cardlinx Stored Value MasterCard?
How
long does it take to get a Cardlinx Stored Value MasterCard after I
order it?
How
do I put money on my Cardlinx Stored Value MasterCard?
Are
there restrictions on what or where I can use my Cardlinx Stored Value
MasterCard?
What
if I purchase something and want my money back?
What
is a Stored Value Card and how does it work?
Unlike traditional credit cards, The Cardlinx Stored Value MasterCard
does not extend credit to the cardholders. Instead, accounts are pre-paid
for a specific amount, while still being backed by MasterCard for near
universal acceptance. There is no line of credit and accounts are only
good for the balance applied.
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What
if I have bad credit?
Credit is not a determining factor when issuing the Cardlinx Stored
Value MasterCard. All who apply are sent a card.
Will the Cardlinx Stored Value MasterCard rebuild my
credit?
No. Many of our competitors make statements that a Stored Value card
will re-build credit. What they say is that they will report to the
credit agencies your monthly fee. However, many of them do not and the
amount is so small that it will not help rebuild your credit. Besides
having the safety and convenience of this powerful financial tool has
nothing to do with credit. For the first time you can now have the convenience
and freedom to book hotel rooms, purchase airline tickets, rent cars,
buy concert tickets, shop online and even pay bills by phone or internet
without having to worry about what your credit looks like or giving
a bank a $300.00 deposit so they can give you a $300.00 card and charge
you 21% on your own money, plus annual fees, late payment and over the
limit fees.
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Is it good everywhere MasterCard is accepted?
Yes. The Cardlinx Stored Value MasterCard works everywhere the MasterCard
or Cirrus logos are displayed, worldwide. Certain restrictions may apply.
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Does
it work outside the country?
Yes. The Cardlinx Stored Value MasterCard works everywhere the MasterCard
or Cirrus logos are displayed, worldwide. Certain restrictions may apply.
Many of our competitors block international use of their cards.
Can I use the Cardlinx Stored Value MasterCard at an
ATM?
Yes. The Cardlinx Stored Value MasterCard works at all ATM's worldwide
that display the Cirrus logo. Some restrictions may apply.
What
fees are charged for my Cardlinx Stored Value MasterCard?
Please see the Service Fees and Charges associated with the Cardlinx
Stored Value MasterCard you purchased.
How
long does it take to get a Cardlinx Stored Value MasterCard after I
order it?
It takes approximately 3-5 weeks for your card to be sent to you after
we have received payment and the minimum load amount. Your Cardlinx
Stored Value MasterCard will be shipped to you via First Class mail,
and your PINS for ATM and WEB access will arrive 3-5 business days later
via First Class Mail. Your Cardlinx Stored Value MasterCard is sent
inactive without the minimum amount you loaded to the card. Upon receipt
of your Cardlinx Stored Value MasterCard and PIN, you will call into
the Customer Service number provided to you to activate your card. The
load amount will be transferred to your card within 24 hours, but in
most cases with 8 hours.
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How
do I put money on my Cardlinx Stored Value MasterCard?
As a Cardlinx Cardholder you have multiple options to loading (adding)
funds to your Cardlinx Stored Value MasterCard. You can send in a Money
Order directly to Cardlinx, contact our Customer Service Department
and arrange for a Check By Phone transaction or go to any Western Union
™ throughout the US and arrange to have money placed on your Cardlinx
Stored Value MasterCard.
What
if I purchase something and want my money back?
If you purchase something and return it, the merchant will ask for your
Cardlinx Stored Value MasterCard so he can issue a credit back onto
your card for the item you return.
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