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FREQUENTLY
ASKED QUESTIONS
What
is the XL Prepaid Visa Card?
Why XL Visa?
About the Application
Process and General Questions
1. Who can get a XL Prepaid
Visa Card and how old do you have to be?
2. How much does the card
cost?
3. How does the XL Prepaid
Visa Card differ from a credit or bank debit card?
4. How does the XL Prepaid
Visa Card work?
5. Where and how do I load
cash to my XL Prepaid Visa Card?
6. How much are the fees for
XL Prepaid Visa?
7. How secure is my account
information?
8. What's my credit limit?
9. How does the XL Prepaid
Visa Card protect my identity and money from theft?
10. If I have bad credit,
can I still get this card?
11. Can I use my card to make
reservations at a hotel and rent cars?
12. Does using this card build
my credit rating?
13. What If I disagree with
a transaction that has posted to my account?
14. Can I use my XL Prepaid
Visa Card to pay bills over the phone or Internet?
15. Can I find out about my
card activity at any time, or do I have to wait for a monthly statement?
About Using
My Card
16. How do I activate my XL
Prepaid Visa Card?
17. How do I view my account
activity?
18. What if I need to return
an item I purchased?
19. Will I need another form
of identification when I use the card?
20. I had enough money in
my account to cover the purchase I was attempting to make, but I
was still denied. Why?
21. Can I schedule recurring
payments or transactions?
224. How can I find out how
much money is left on the card?
23. Is there a limit to how
much I can spend from my card during one day?
24. Can I use more value than
I have on the card?
25. What are the ATM withdrawal
and load limits on my card?
26. Are the funds on my card
insured?
27. How do I buy something
that costs more than what is on my card?
About Customer
Service and General Questions
28. Customer Service phone
and contact information
29. How do I report a lost
or stolen card?
30. When are your customer
service representatives available?
31. How soon can I get a replacement
card if mine is lost or stolen?
32. Can I change the PIN number
on my card from the one originally assigned to me?
33. I cannot use my card,
what is the problem?
34. What happens if I forget
or lose my Internet password?
35. What do I do if I have
questions about my account activity?
36. If my account is closed
out, how do I get the funds back left on the account?
37. Who pays for the delivery
cost if I have to get a new card?
38. Can I have more than one
XL Prepaid Visa Card?
39. Which browser works best
for your website?
What
is the XL Prepaid Visa Card?
The XL Prepaid Visa Card is a card that comes
with all the power, convenience, security and prestige of Visa.
It’s not a credit card – it’s a prepaid card,
so you only spend the amount that you load into your account. Use
it to make purchases online, pay bills, buy airline tickets, and
book hotel rooms. And it’s safer than cash!
XL Prepaid Visa is a full service account
that will take care of all your financial needs in just one place.
The prestige you deserve
• Add cash instantly – with
over 20,000 convenient retail locations and a variety of other
ways to add money to your account, adding cash is quick and simple
• More money in your pocket – no overdraft or bounced
check fees, EVER
• No hassle – No ChexSystems checks and no bank account
is required with no minimum balance requirements
The convenience you want
• Worldwide acceptance – accepted
at millions of locations worldwide
• Instant payment – quicker than writing checks or
running to the ATM
• Make shopping simple – book travel and shop online
in addition to making your everyday purchases fast and convenient
• Your money, your way – spend and manage your own
money with our powerful account management tools including a real-time
detailed spending summary
• More money in your pocket – no interest and no over
limit or late payment fees, EVER
• No hassle – no credit checks, no security deposit
and no employment or income verification
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to questions
Why
XL Prepaid Visa?
*FREE online purchases
*FREE online statement
*Pay bills online or by phone
*No bank account needed
*No credit check
*Many ways to add funds
*Safer than cash
The freedom of flexibility
• Worldwide acceptance – no
card is more widely accepted than Visa
• Instant payment – quicker than writing checks or
running to the ATM
• Make shopping simple – book travel and shop online
in addition to everyday purchases
• Add cash instantly – with over 20,000 convenient
retail locations and a variety of other ways to add money to your
account, adding cash is quick and simple
The power of control
• Always in the know – monitor
your account activity effortlessly via text message
• Instant info – get your account balance and transaction
information anytime, anywhere toll-free from the web or over the
phone
• Your money, your way – spend and manage your own
money with our powerful account management tools including a real-time
detailed spending summary
• More money in your pocket – no annual fees, no interest,
no over limit or late payment fees, and no overdraft or bounced
check charges, EVER.
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to questions
| About
The Application Process and General Questions |
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1. Who can get a XL
Prepaid Visa Card and how old do you have to be?
In compliance with the USA PATRIOT Act and other laws, you must be
a U.S. resident over 18 (for ages 13-17 we will need parental consent
and parents SS# and DOB; age of majority rules apply by state) with
a valid social security number and a verifiable physical address (no
P.O. boxes or A.P.O. addresses) to open an account and order a card.
You must provide us with this information, along with other information
pertinent to opening your account to order a card. Currently we do
not issue cards to residents of Puerto Rico, Guam, the Virgin Islands,
American Samoa, APO/FPO addresses, internationally or other U.S. territories.
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to questions
2.
How much does the card cost?
There is a one-time card activation fee of $4.95 if paid in advance
that will be assessed the first time you add cash to your card.
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to questions
3.
How does the XL Card differ from a credit or bank debit card?
XL Prepaid Visa is a prepaid card and you spend only the amount
of funds you place on your card. No bank account is needed and no
credit checks required. It works like a credit card and can be used
at ATMs and retail stores worldwide, but with no interest. You are
in control of your spending. It also helps protect against identity
theft and fraud because it is not linked to a bank account.
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to questions
4.
How does the XL Prepaid Visa Card work?
It’s a prepaid Visa card, which means you can spend up to
the value placed on the card anywhere Visa debit cards are accepted.
You can shop in stores, online, over the phone, and by mail order.
Each time you make a purchase, the amount of that purchase is automatically
deducted from the card.
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to questions
5.
Where and how do I load cash to my XL Prepaid Visa Card?
XL Prepaid Visa can be loaded at any MoneyGram location including
all Walmart locations. Just follow the easy directions located on
the front page of this website. MoneyGram has over 20,000 convenient
retail locations throughout the U.S.
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6.
How much are the fees for XL Prepaid Visa?
FREE Point-of-Sale Purchases
FREE Online Statement
PIN Based Purchase .95
Monthly Maintenance Fee 4.95
Full Fee Detail (Click Here)
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7.
How secure is my account information?
The XLCard website uses the latest 128 bit encryption technology
to secure your account and personal information online. First Debit
follows strict procedures to ensure that your account and personal
information is never shared or misused in any way. For more information
regarding your privacy, please view our privacy statement by clicking
the link on the XLCard website.
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8.
What's my credit limit?
Your card is not a credit card; therefore there is no credit limit.
You may only spend what has been deposited to your account.
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to questions
9.
How does the XL Card protect my identity and money from theft?
First of all, the money on your XL Prepaid Visa is not linked to
your credit bureau information or any of your other accounts. Secondly,
if it is lost or stolen, your money is protected.
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to questions
10.
If I have bad credit, can I still get this card?
Yes. There are no applications and no credit checks required.
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to questions
11.
Can I use my card to make reservations at a hotel and rent cars?
Yes you can, but hotels will verify that your card has sufficient
funds to pay an estimated bill for your stay. That amount will be
“held” in your account, making it unavailable for other
purchases. When you check out, the “hold” will be removed
and the actual bill amount will be deducted. Your card is always
welcome for final payment.
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12.
Does using this card build my credit rating?
No. This Card is not a credit card. It is prepaid. Because no credit
is granted and no payments are required, this Card does not build
credit history.
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to questions
13.
What If I disagree with a transaction that has posted to my account?
You can go online to the “Contact Us’ form or you can
call customer service and a representative will assist you. We have
award winning customer service and we pride ourselves in putting
the customer first!
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14.
Can I use my XL Prepaid Visa Card to pay bills over the phone or
Internet?
Yes. You can pay bills to companies that allow telephone payments
or Internet payments and that accept payments online. You must have
enough funds in you card account to cover the payment and associated
fee.
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to questions
15.
Can I find out about my card activity at any time, or do I have
to wait for a monthly statement?
You will not receive a monthly statement. All account activity is
kept updated on our secure Internet website. You can keep track
of your money 24 hours a day, seven days a week. All you have to
do is: Call our toll free Customer Service number and use our interactive
telephone system. Follow the directions it gives you. Be sure to
have your card number and security PIN issued with the card ready
when you call. With your card number and password you can review
your balance, transaction activity, and load funds.
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| About
Using My Card |
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16.
How do I activate my XL Prepaid Visa Card?
Your XL Prepaid Visa Card is supplied un-activated for your protection.
You can activate your card by calling our toll free card activation
number or go to our online activation screen located at: https://www.natcardserve.com/activation/
Upon activation you will be able to use your card with the supplied
PIN. You will need your PIN to access cash from ATMs and point of
sale merchants. Your PIN will become active immediately.
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to questions
17.
How do I view my account activity?
You can view all account transactions by logging in to your First
Debit account online and selecting "Access My Account".
The “Access My Account” screen shows transaction history,
spending summary and available balance
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to questions .
18.
What if I need to return an item I purchased?
Always keep your card handy. This way you will have it in case you
need to make a return. You’ll need to contact the merchant
and follow the merchants return procedures. The value of the merchandise
will be available on your card in three to seven days after the
return.
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to questions
19.
Will I need another form of identification when I use the card?
Depending on the merchant, they may require you to present additional
identification.
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to questions
20.
I had enough money in my account to cover the purchase I was attempting
to make, but I was still denied. Why?
Unless you checked your balance prior to attempting to make your
purchase, it is possible that a service charge or an automatic payment
that you have authorized has been deducted from your account, decreasing
the balance available to you. If you have access to the Internet,
you can check all the transactions on your account to determine
your balance whenever you want or call the toll free interactive
telephone service.
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to questions
21.
Can I schedule recurring payments or transactions?
Yes you can! However it will be determined by the merchant that
you are going to set this up with. You just have to make sure that
there are enough funds on your card when that recurring transaction
comes due. "Recurring Transactions" are transactions that
are automatically charged to your Card each month with or without
your knowledge. Examples of merchants that may use recurring transactions
include Internet Service Providers, Health Clubs, Insurance companies
that automatically charge monthly premiums to your Card, "Book
of the Month Club" type merchants, Cable TV services and the
like.
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to questions
22.
How can I find out how much money is left on the card?
You can check your balance for FREE by using our secure Internet
site. For a small fee you can check your balance by using our toll
free interactive telephone service; however there will be a small
charge for doing this. See Terms and Conditions for more details
on fees.
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to questions
23.
Is there a limit to how much I can spend from my card during one
day?
$500 per day for POS merchant.
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to questions
24.
Can I use more value than I have on the card?
No. But, sometimes a merchant will make a mistake and accept your
card even though you didn’t have enough value on it. Should
this happen, you are responsible for this payment and an overdraft
penalty fee will may be assessed. Please refer to your Cardholder
Agreement & Disclosure Statement for more information.
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25.
What are the ATM withdrawal and load limits on my card?
With XL Prepaid Visa, you can load a maximum of $1000 per day onto
the card, and there is a $1,500 total maximum deposit limit from
all deposit sources. Please review the online Cardholder Agreement
for the most up-to-date information about your XL Prepaid Visa Card
account. (Login to your account to access the Cardholder Agreement.)
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26.
Are the funds on my card insured?
No, your XL Prepaid Visa card is not FDIC insured.
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27.
How do I buy something that costs more than what is on my card?
You can use a second payment method such as cash, check, or credit
for the difference. Let the cashier know how much you will pay with
each type of payment before you make your purchase.
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| About
Customer Service and General Questions |
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28.
Customer Service phone and contact information
(800) 510-1314
info@xlcard.com
Secure Cash Network, Inc.
PO Box 8249
The Woodlands, TX 77387
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29.
How do I report a lost or stolen card?
Call our toll free number (800) 510-1314 and speak to our Customer
Service representative. Your account number will be cancelled immediately
once you have reported the loss or theft, so be sure to report as
soon as you notice that the card is gone. You will not be able to
use that XL Prepaid Visa Card again. Upon proper documentation and
a request by you, a new card will be sent to you. You are responsible
for the costs of card replacement and delivery.
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30.
When are your customer service representatives available?
XL Prepaid Visa customer service representatives are available by
calling (800) 510-1314 Monday through Sunday from 8 a.m. to 8 p.m.
Central Standard Time. You can also access your account balance
or transaction history, report your card lost or stolen, pay bills
by phone by calling the XL Prepaid Visa toll-free account information
line at (800) 510-1314.
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to questions
31.
How soon can I get a replacement card if mine is lost or stolen?
We can send you a replacement card regular mail or overnight delivery.
You are responsible for the costs of card replacement and delivery.
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to questions
32.
Can I change the PIN number on my card from the one originally assigned
to me?
No. At this time you can not change or have a custom PIN. If you
forget or lose your PIN, it can be reissued to you. Please check
the Cardholder Agreement & Disclosure Statement for the current
fee for this service.
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33.
I cannot use my card, what is the problem?
You must make sure that you have activated your card in order to
use it, and that you have enough money in your account to cover
the amount of the transaction plus the associated transaction fee.
One of the XL Prepaid Visa Cards comes with a label. Call the toll
free number on the label to activate your card. It just takes a
minute.
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34.
What happens if I forget or lose my Internet password?
Just call Customer Service and we will take you through the steps
needed to get back into the website!
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35.
What do I do if I have questions about my account activity?
Contact Customer Service at (800) 510-1314.
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to questions
36.
If my account is closed out, how do I get the funds back left on
the account?
Please call Customer Service and they will provide you with instructions.
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to questions
37.
Who pays for the delivery cost if I have to get a new card?
You pay for the delivery cost for a new card.
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38.
Can I have more than one XL Prepaid Visa Card?
No.
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39.
Which browser works best for your website?
The First Debit website is best viewed with Microsoft Internet Explorer
5.5 or higher, AOL 6.0 or higher, and Netscape Navigator 6.0 or
higher.
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