Russell Simmons RushCard - Prepaid Visa Debit Card

The RUSH CARD aka Baby Phat Credit Card is nothing but a prepaid debit card. This card gives you the same conveniences as a credit card but without the worry of any debt or unexpected expenses. You have already paid for it which means that you put the money on the card before you spend it. Your limit is set by the amount of money you put on the prepaid debit Card. It's much safer than carry cash in your pocket and you can access your money anytime and anywhere just like the power of a Visa Debit Card . It's also know as the Baby Phat Rush Card by Russell Simmons. You can even go to any ATM machine and withdrawal cash when you want it. Russell Simmons Rush Card also offers Free Direct Deposit so you can Deposit you Paycheck to your card and avoid any check cashing fees. There is a 1,000 dollar limit though but Everyone is approved as long as you have proof of identification. There are no Hidden Fees and its very easy to add money.

Rush Card is one of the Best things to happen to people who do not keep track of their money good. You can only spend what's available on the your card so no overdraft fees. The prepaid rush card allows you to manage your money with confidence and assurance. Since you set the limit to the amount of money on the card you set your own spending limit. Since its a Visa Card you can use it where ever Visa is accepted and you can withdraw money from over 80,000 ATM or money machines. Again you can direct deposit your paycheck or even a portion of it and the money will be available on payday instantly. The Rush Card also allows you to check your balance on line at Rush-Card.com 24 hours every day via online or instant text messages. Russell Simmons knows how to promote this card and he does things right. Another Card you should consider if you want more choices than the Rush Card, I would recommend the AccountNow Prepaid Visa Debit Card and Account Now can even help build your credit, plus you get $25 for first Deposit, Account Now has Bill Pay and several other great Benefits.

The following are the several ways you can add money to your RUSH Card.

1. Direct Deposit

You can add all of your paycheck or part of you paycheck via direct deposit from your job. You can also setup direct deposit from government benefits like Social Security. This service is completely free of any charges or fess. The routing number for the Russell Simmons Rush Card is "RushCard Routing Number 021409169"  This is the best way to add money if you want to avoid check cashing fees.

2. Check Free Pay

You can use the Check Free Pay Service at any of the 10,000 location nationwide. Just give them your 16 digit card number and you can load you cash into your card. There is a service fee charge of $3.95 for this method.

3. MoneyGram

You can use Money-Grams Express payment Service at the 28,000 locations nationwide. You complete the blue form and MoneyGram charges $3.95 for this service. On your blue form you will need the following information; Receive Code: 2495, Your 16-digit card number, Company name (RushCard) and the City and State for RushCard (New York, NY)

4. Tax Refund

Once you have completed your Tax Return and you are getting a refund have your money Directly Deposited into your card by giving them a routing number ( 044000037) and also you 16 digit account or card number. This is done the same way as if you had a checking account. This can only be done if the RushCard account has the same name as the Tax Return.

5. PayPal

Its simple adding your funds through PayPal just set up a Bank Account Number using your 16 digit account number and the same routing number as above (044000037). Its will also ask for the Bank Name of Rush Card (Jp Morgan Chase) and Type of account (checking).

6. Mail in a Check or Money Order

Just make payable to Rush Card and include your 16 digit card number. It may take up to 10 days for the money to reach your account. Send to Address Below.

UniRush Financial Services

23074 Network Place

Chicago, Illinois 60673-1230

There is a minimum load of $25 dollars and a max load of $1000.

You know the Rush Card Visa is not going to be completely Free but the Fees are not really too bad. They say there are no hidden fees so here is a list of fees I got off of the www.RushCard.com website.

Schedule of 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  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** $2.95 Refund of Rush Card via Check $5.00 Convenience Fees (International) $2.00 ATM Cash Withdrawal (International) $3.50 ATM Balance Inquiry (International) $1.00 *CheckFreePay and MoneyGram charge a fee of $3.95 for this service **Inactive cards; 60 days of no loads, no purchases and no ATM activity ***One Time Enrollment Fee of $2.00

Yea there are fees just like any Debit or Credit Card but the good thing is that they are not high like regular band and Credit Card Fees like a $32 dollar over the limit fee or a $39 dollar late fee (even if only one day late.)

Russell Simmons will pay you $5 dollars to tell you friends and family members. Once they join you will get $5 added to your RushCard.

Since the RushCard program has some much to offer and easy to manage that you will be happy to tell your friends and once they get active like you, Russell with have $5 dollars added to your RushCard. You have a 100 friends you can make an extra $500 each month. Not really the greatest amount but I will take $5 dollars for just telling someone. The best thing about this program is that you can add your own name as first Friend and Get $5 dollars as soon as you open your account. I know I am my best friend, who is your best friend.

This Hub page is about Russell Simmons and his Rush Card. I know Russell Simmons from Promoting his little Brother Run Rev Joesph Simmons from Run DMC, From Baby Phat Fashions Phat Farm, Def Comedy Jam on MTV, the Grind his new website, self help books and def poetry, Music projects and many other of his ventures. He has a beautiful wife and kids. He is truly one of the Great Black Business Men of our times.Some think that he is taking advantage of his own people but he is really helping them because of there bad spending habits.  I hope you like my Review of his Prepaid Debit Card called the Rush Card.

What you have to do to Enroll

The great thing is that you can get a RushCard Prescription Discount Card from Russell Simmons even if you don't have a RushCard. All you have to do is fill out their simple form online. If you don't have a Prepaid Visa RushCard you can also apply for one there online. If you already have a Rush Card you can go to the site online and apply for one as well.

The Rush Card FREE Prescription Discount Card will entitle you to discounts on your regular prescription drugs: Here is what you get with your free card.

1. You can get discounts on your brand and generic prescriptions drugs from 10% to 85%.

2. This card is accepted at national chains, independent pharmacies, regional chains totaling more that 56,000 Pharmacies nationwide.

3. You can even use this card if you have existing insurance.

4. You can get the card for yourself and all of your loved ones.

Once you get you get approved just print it online and you can take your card to the pharmacy of choice. Then just simply present your card and a valid prescription and the pharmacist or pharmacy will apply your discount, its that easy.

By using the Rush Card to Direct Deposit you tax refund to your account you will receive you money about 8 to 10 days. The normal time it takes to get a tax refund is about 2-4 weeks by mail and then you have to find a place to cash it. Plus Rush Card is no giving away a free Rush Card ($10 value) when you deposit your taxes in your account. Here is list of benefits you will get using your Rush Card.

1. Faster Refund 2-4 wees faster
2. No waiting in line to get your Refund Check Cashed
3. No check cashing fees
4. Your money is Safer

If you are filing jointly, you will need to make sure the name on your RushCard is the first person listed on your tax return. To have your RushCard Direct Deposit your tax refund you will need the following information, even if you are filing online, by mail, or through you tax preparer. Below is information you will need.

RushCard Routing Number: 021409169

Your RushCard Account Number: The 16-digit card number on the front of your card
Account Type: Checking

Plus you will need Provide this information to your tax preparer or enter it on
the Refund section of your federal or state income tax form. Some examples:

•Federal Form 1040, lines 73a-d
•Federal Form 1040A, lines 46a-d
•Federal Form 1040EZ, lines 12a-d

A Voided Check If your tax accountant needs a copy of a voided check to set up your
direct deposit, click here for a printable copy.

Once you are done you might just win "Lunch with Russell Simmons" 2011 Tax Sweepstakes The Number 1 prize is a 2 day/1 night trip to New York for two to meet Russell Simmons. The trip includes lodging accommodations for one night; round-trip airfare for two people and dinner for two with Russell Simmons. Just make sure you go online and register.

Please leave a comment below! Good or Bad comments welcome about the Russell Simmons Credit Card.

Very stylish looking Prepaid debit card for the Lady. Russell Simmons has a well designed and attractive card for a lady to stay in fashion with the Baby Phat tradition.

No man wants a pinks Credit Card and that's why Russell Simmons has come out with a a Great Card for the Man in mind. He can use is card with confidence and empowerment.

One of the best features of RushCard that I like a lot is the Card to Card transfer. With a RushCard you can send money to anyone else who has a RushCard or you can transfer money between your own personal cards. This great for sending money to daughter or son in college, your brother or sister, a emergency or to save money on a secondary card. Its a great benefit and makes it a plus over a WalMart Money Card.

List of Benefits.

1. You have the flexibility to send dollars instantly or you can schedule a future transfer
2. Its at a affordable rate that is a fraction of the cost of wiring money via Money Gram or Western Union.
3. It only takes about 15 minutes for the transfer to complete so it a Quick instant transfers
4. You can do a transfer over your cell phone, a live agent or online.

Another great advantage of the RushCard is the Rush Path to Credit program.Your Prepaid Visa RushCard can help you build a good credit file. When you join the free RushPath to Credit program and make repeating deposits and payments using you RushCard the information on the transaction will be sent to participating Credit agencies.

How does the Rush Path to Credit program work

1. The Rush Path to Credit is totally optional service. When you sign up online for a FREE account, just click on Rush Path to Credit and click on "Enroll."*
2. Then all you have to do is use your Prepaid Visa RushCard when paying your cable, phone, utilities or any other recurring bills every month.
3. The the RuschCard takes over by automatically reporting your payment history to LexisNexis® and PRBC®, a national credit reporting agency.

The credit reporting agencies RushCard uses your transaction history to help create a positive credit file for you. Then when you are ready to apply for credit, the lenders will see the use of your positive credit records on file to use to qualify and then offer you lower interest rates. Run Simmons Credit Card

Russell Simmons has put together Three programs for all of its Prepaid Debit Card Members.

1. Every week RushCard has a Sweepstakes for $1000 dollars, if you are the lucky weekly winner you will get a all that money deposited into your Prepaid Debit card Account. You can go online to see list of the winners.

2. The Shop Smarter with Prepaid Rush Card Program. You get great deals and discounts when using your prepaid card. Go online to get a list of participating Stores. Some of the Stores you will find are JC Penny, Barnes and Noble, Sears, Kohl's and others.

3. And the one I want to win is a Dinner with Russell Simmons himself, that right you can actually win a dinner with Russell Simmons. Just have your tax refund direct deposited on your RushCard and you could meet Russell Simmons.

Now that you know all about Russell Simmons Baby Phat Rush Card and you have to decide if its worth it for you or not. There is cost involved and if not used properly can be very high. But I have include all the information form Rush Cards website and Videos good and Bad about the Rush Card its up you to decide if its for you or not. Below is my opinion of the Rush Card overall I believe its a real good value for some people and really a bad idea for others. Read my opinion below.

The Rush Card is not for everybody and is good for some people and a very bad idea for other people. If you have good credit and can control your spending this is probably not a good purchase for you and you probably would not even consider purchasing one of these prepaid debit cards. The cost can be very high and you could be wasting lots of money before the year is over. It cost 19.95 to get one of these cards and you will spend a couple of bucks every time you use this card. Russell Simmons Has had to defend himself several times this past year because the feel he is taking advantage of people struggling to get credit. My opinion is that he is a very smart man and he really is helping a lot of people. People with Debit cards that cannot control spending will have 5 times more fees. One example is you run out of money for the month on your debit card and you purchase a few little things that cost a buck or two and you made 5 or 6 of these its going to cost you big. Banks charge an average of $35 for each purchase no matter how much the amount. Just $30 dollars over could easily cost 200 hundred dollars. So yes I believe the Rush Card is good for some but bad for others.

Thanks for Visiting my Hub Page.