First of all, this company has no verifiable information anywhere on the web, so I was skeptical and worried at first but I figured maybe I wasn't searching correctly. Whenever you search for them, you only get info from badcreditoffers.com or some other bad credit card offers website. This company is bogus and needs to be stopped! Also, their customer support runs from 9am to 5pm (not 24/7 customer service) so why wasn't I more careful?
I received the suggestion to apply for a prepaid debit card with Flexcard Hybrid Program Prepaid Visa from badcreditoffers.com. This is a total rip-off. Somehow, the suggesting website says this company is good for rebuilding your credit. Thats total crap. From the moment you try to apply they have pop ups everytime you click ok, finished, done, or apply. There's one after the other after the other. They won't allow you to get through to the end of the application without applying for a cash advance of up to $1500. You have no choice but to give them your routing & account numbers in order to process the card.
Also, in order to receive this prepaid card, you must also receive an unsecured credit line of up to $10K to an online bookstore, calling themselves thecreditbuilder.com. Who's gonna buy $10K worth of books & ebooks that nobody reads. They have no popular books you want to read or anything of interest. Just old outdated books that no one would even go to the library to check out.
I applied for this card and gave them $39, then it says "to double your credit amount, click here to pay just $25 more." So I did and wham....they took my money in less time it took me to blink. That's a whopping $64 in order to receive a card that you have to put your own funds on (that you can just get from walmart or any drug store / corner store for $3-$5), and another card for some ebooks and old books that nobody wants.
Immediately after applying, I called them at (5610 921-2600 to request my money be refunded ASAP!!! The person who answered the phone is at home and you can tell. This is not a company.... these people are in a house and only 2 of them answer the phone. A lady and a man, and the man's name is Jason. They told me that my money will be refunded back to my card within 5-7 business days (stressing business days twice) and that I did not need a confirmation number or email confirmation. We'll see if they refund my money and I will post whether they do or don't by August 12th 2011. The woman was yawning and still had her morning "just waking up" voice. I was totally amazed at this scam and she didn't even care to hear why I wanted my money back. She just told me that the card for the $5K approved credit line is for buying things. When I asked her who would want $5K worth of books, she just said she'll refund my money but the way the conversation went, I think I may have to go through some hell in order to receive my money back from this rip-off "company" that's running out of a house with a kid in the background.
They are located in Delray Beach, Florida.... and I guess since they saw that I was in Fort Lauderdale, Florida (not too far from them---only 1 city away), they rushed to tell me that they would be refunding my money because I can easily track them with the police here.
If you would like to receive a credit card and you have averaged to poor credit, do not use this company. HSBC Orchard Bank is the best company to go through aside from Citi Bank and Capital One. These banks also report monthly to the top 3 credit bureaus for you. Orchard Bank will give you a credit line of at least $320 as long as you pay your $19 application fee up front. If you dont qualify for the unsecured $320 credit limit and they suggest a secured credit card, keep trying. Somehow their site suggested it to me after 2 attempts at the prequalifying stage. Also, I have a friend who did prequalify for a secured card from Orchard Bank MasterCard and while she waited for her instructions in the mail, they actually sent her a card with a $300 limit on it instead and she did not have to put up the initial $200 or $300 secured funds. Orchard Bank & Capital One are just the best when it comes to bad credit card offers when trying to rebuild your credit.
Again..... DO NOT APPLY FOR THE FLEXCARD HYBRID PROGRAM VISA CARD OR ANYTHING ELSE THAT FLEXCARD HAS TO OFFER. THEY DO HAVE COMPLAINTS WITH THE BBB AS WELL SO CHECK IT OUT.