Complaint Review: Chexcard - Fort Worth Texas

RJ Maybe you chose exactly what you wanted to read, otherwise you may have noticed that I said I NEVER RECEIVED ANY "POTENTIAL" CONTRACT OR TERMS AND CONDITIONS! Regardless of what the "potential" contract says, it did me no good, as I never received any! I can only assume that you are privy to this "contract" because you are an employee, since I, as a consumer, never received any such information. Yes I WAS ripped off! I guess people assume if they list all of these ATM"S and addresses on their website that it must be legitimate. Yes, I did check the website BEFORE I applied for anything. I also checked the BBB ( for all the good it does). There are legitimate cards out there that allow you to use them as a bank account and have no erroneus charges involved. I mistakenly thought this was one of them. I have since gotten a REAL pre-paid Visa through a REAL bank. So you see they do exist and it cost me NOTHING!

Ron, Please actually read what I said above. You failed to comprehend and completely MISSED the point! You said, What does false advertising have to do with reading the "hype"? and I never received anything listing the terms and conditions of the card. If I had, I most certainly would have read between the lines! Regardless of what their terms are, it still doesn't explain why their website is filled with inaccurate information. Your were scammed BECAUSE you only read the main advertisement (HYPE) and NOT your potential CONTRACT, which would be the TERMS. If you had read them and claim to be bright enough to read between the lines, the word MAY would have been your big CLUE that you would likely be ripped if you applied for the card. You said, What you apparently didn't understand, is that the cash machines LISTED as mastercard participants, DO NOT work with a Chexcard. and The list of ATM's is worthless. Gee, no kidding? What a surprise! Again, can you say the word MAY that you SHOULD have read BEFORE making the big mistake of applying? In other words, you found plenty of time to research only AFTER you were ripped, but you didnt bother to read your potential CONTRACT before you applied. The TERMS are not hidden and are very easily found on their Internet site. YOU didnt read them and YOU got RIPPED because of that.

Ron, Please actually read what I said above. You failed to comprehend and completely MISSED the point! You said, What does false advertising have to do with reading the "hype"? and I never received anything listing the terms and conditions of the card. If I had, I most certainly would have read between the lines! Regardless of what their terms are, it still doesn't explain why their website is filled with inaccurate information. Your were scammed BECAUSE you only read the main advertisement (HYPE) and NOT your potential CONTRACT, which would be the TERMS. If you had read them and claim to be bright enough to read between the lines, the word MAY would have been your big CLUE that you would likely be ripped if you applied for the card. You said, What you apparently didn't understand, is that the cash machines LISTED as mastercard participants, DO NOT work with a Chexcard. and The list of ATM's is worthless. Gee, no kidding? What a surprise! Again, can you say the word MAY that you SHOULD have read BEFORE making the big mistake of applying? In other words, you found plenty of time to research only AFTER you were ripped, but you didnt bother to read your potential CONTRACT before you applied. The TERMS are not hidden and are very easily found on their Internet site. YOU didnt read them and YOU got RIPPED because of that.

Ron, Please actually read what I said above. You failed to comprehend and completely MISSED the point! You said, What does false advertising have to do with reading the "hype"? and I never received anything listing the terms and conditions of the card. If I had, I most certainly would have read between the lines! Regardless of what their terms are, it still doesn't explain why their website is filled with inaccurate information. Your were scammed BECAUSE you only read the main advertisement (HYPE) and NOT your potential CONTRACT, which would be the TERMS. If you had read them and claim to be bright enough to read between the lines, the word MAY would have been your big CLUE that you would likely be ripped if you applied for the card. You said, What you apparently didn't understand, is that the cash machines LISTED as mastercard participants, DO NOT work with a Chexcard. and The list of ATM's is worthless. Gee, no kidding? What a surprise! Again, can you say the word MAY that you SHOULD have read BEFORE making the big mistake of applying? In other words, you found plenty of time to research only AFTER you were ripped, but you didnt bother to read your potential CONTRACT before you applied. The TERMS are not hidden and are very easily found on their Internet site. YOU didnt read them and YOU got RIPPED because of that.

First of all, for the card to work at an ATM, you would need the pin for the card, not your ATM bank account pin. Second of all, every time you use that card at an ATM, it is considered a cash advance, not a regular "purchase". You will be hit (usually) with a higher interest rate and usually minimum fees for the cash advance. That $20 you might withdraw from your ATM may cost you $5 in fees, and 21% in interest! Read your contract and inserts for more info on your particular rates. Also, many credit cards apply funds to the cash advance portion of a bill last, meaning unless you fully pay off each month, you are paying that very high interest rate on the cash advances. When your "regular" charges are fully paid (the whole balance, not your minimum payment amount), then your payments start going toward the cash advance. Save your cash advance feature for situations that truly warrant it, such as if you are traveling and get stranded someplace that doesn't accept credit cards--then being able to get cash off your card can be a life-saver. Don't use it for every day expenses at the ATM or you will find yourself in deep financial waters before you know it.

I never received anything listing the terms and conditions of the card. If I had, I most certainly would have read between the lines! Regardless of what their terms are, it still doesn't explain why their website is filled with inaccurate information. The receive number to use when loading money by Money Gram. The list of ATM's is worthless. I don't know how they can justify the statement that it is good everywhere Mastercard is accepted.

I never received anything listing the terms and conditions of the card. If I had, I most certainly would have read between the lines! Regardless of what their terms are, it still doesn't explain why their website is filled with inaccurate information. The receive number to use when loading money by Money Gram. The list of ATM's is worthless. I don't know how they can justify the statement that it is good everywhere Mastercard is accepted.

I never received anything listing the terms and conditions of the card. If I had, I most certainly would have read between the lines! Regardless of what their terms are, it still doesn't explain why their website is filled with inaccurate information. The receive number to use when loading money by Money Gram. The list of ATM's is worthless. I don't know how they can justify the statement that it is good everywhere Mastercard is accepted.

I never received anything listing the terms and conditions of the card. If I had, I most certainly would have read between the lines! Regardless of what their terms are, it still doesn't explain why their website is filled with inaccurate information. The receive number to use when loading money by Money Gram. The list of ATM's is worthless. I don't know how they can justify the statement that it is good everywhere Mastercard is accepted.

RJ, What does false advertising have to do with reading the "hype"? What you apparently didn't understand, is that the cash machines LISTED as mastercard participants, DO NOT work with a Chexcard. It also states the numerous places you can load funds onto your card, all Wal-marts were listed. It was not possible at the Wal-mart near me. It listed a bank near my house. Guess what! Couldn't do it there either. The people at the bank didn't have any idea how to load funds. Of course the ATM at the bank didn't work. I also can't help wondering why you cannot reach a customer service employee to talk to. Hmmmm. Every time you call you are disconnected right before you are transferred to customer service. You see RJ, It was the fact that you MAY NOT be able to use the card at ATM'S that I have a problem with. Their website offers a list of ALL participating ATM's and merchants. The only ATM's I tried were listed as participants. This isn't false advertising? What is it then? I'm sure you are a valued employee at Chexcard, but in the few e-mails I did get from Chexcard, these employees didn't have a clue either. Before you are so quick to defend, you should check it out first hand by going to the website and then actually trying this worthless card. I don't know where you get your information, but the literature I received, NEVER stated any of your conditions! I'm looking at the paper that came with the application and it states: "Access your cash 24 hours a day, 7 days a week at over 600,00 ATM's. Use your card EVERYWHERE the Mastercard logo is displayed." So this is just me then? I doubt it! I know of another complaint in the ripoff reports about this card too. I'm just sorry it wasn't here before I sent in my $54 Still Disgusted

Everyone should understand that its wise to check out web sites relating to these so-called credit card offers BEFORE deciding whether to apply. But you WASTE YOUR TIME and ASK FOR TROUBLE if you simply read all of their hype and dont bother to read the Term of Use or Terms & Conditions. Regardless of what else you read, these TERMS would be your contract. There is NOTHING MORE IMPORTANT to read! In this case, a section of the terms indicate that you MAY be able to use the ChexCard MasterCard for certain things. In other words, you may just as likely NOT be able to use the card for those things. They dont guarantee anything as to use! III. Using Your ChexCard(tm) A. You MAY be able to use your ChexCard(tm) to: 1. Pay for purchases at merchants which have agreed to accept the MasterCard(r) ("point-of-sale transactions"). 2. Obtain cash from participating financial institutions (over-the-counter transactions). 3. Withdraw cash at MasterCard(r) automated teller machines (ATM). 4. Access our telephone and Internet banking services.