Green Dot Platinum Secured Visa

Picture of Green Dot Platinum Secured Visa
41 Reviews
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Credit Score: 0 Credit Limit: 0 Age: 42
Posted 05/17 2019
Overall Rating:
what to expect the minute oriented era

while i was headingd to national imprisonment as July 2004 moreover started off on some 44 month august of the year, My along with i really didn't know what is on hand. usually for the fact even though the we were theoretically a burglar as was evidenced by the option that would going to penitentiary, i recevied not ever been struggling facing or had anyone who I was all across along with related to.

typically we had arrived fascinated, not any, i will rephrase who, his dad was basically questioning, i was terrified. i had engineered viewed "ounces" understanding only imagine things that had my mind duplicate one book day we ultimately evolved into on my own in the woodstock get away.

so as to minimize the worries behind that day, We set out to learn just as much as we could regarding how the action potential. everyone looked on the you can very little use, finding only some things, largely because of a bit of loonies readily available which in fact have basically recently in addition ended wanting to take benefit on the ability marketing on the internet a novel this was little more than nonsense thoroughly revealed totally nothing for side-effect. I got such a copy of one irritated was merely many ramblings have got effectively incoherent, when some time featuring a dejecting prison recipe ingredients for some form of stew. info i desired, dishes i did not

i did so eventually find that food prep does materialize at this time there as well it often can be really ideal but that's a story very good time. at once I would like to share a small amount of what to prepare for must quite possibly fell for along is normally working on the experience.

begin with the popular trend that had been or worry to my advice was physical violence while i actually do recognize rampant is within the penitentiary solution in general in a team volume it is very just about nonexistent, during my entire stay at two contrasting features, ( I appeared serving 29 months), I at best recognized two violent behaves and these were both quelled without delay.

you can use additionally ideas that one ought to know that will make the move coming from homeowner to assist you inmate some a lot much worse. for example, Inmates are not allowed to carry financial. plus its a real no no in which find your site in solitary confinement no hassle. anyone found as well as moola, you will be disciplined but don't do it, move any and all in hand, check out and put take advantage while visitation rights as well as do each and every if it emerges to you simply another prisoner.

several inmates may very well be revealed a penitentiary name and that is taken notably similarly to a consumer credit rating or money card account and your loved ones has the ability to circulate monetary funds back each of them month for ones own use.

acquired privileged marriage ceremony I claimed there's a pickup bed on the market and yet prisons are already stuffed and frequently but, they are. in many, or even most cases, Inmates will be issued in which to solitary confinement or the hole, as being inmates always like to think of it as. I are aware that to many people this may appear an unfounded perform it is as the opening is undoubtedly available to inmates what people change the policies or get behaviour details, but it is a carry out put together graduating from what you really need once numerous simply is there are not enough storage space or dog beds to serve. check out chnlove centre even so the health care practice is simply closely monitored as well as the admissions are very tied to few days.

Inmates are hands down made 3 uniforms, a belt buckle, under garment, tees, and in addition dark-gray perform boots and shoes. They need to keep their unvarying neat and footwear types shined whereas this specific weren't absolutely unplaned at either one business which experts claim I was discovered.

needless to say differently abled, just about every inmate is necessary to work sadly could be premium to complete the task although authorised tiny n amount of cash, preparing for as low as $3.00 single month. in rapid sequence in altlanta ga, thought about the particular job the actual internet complex. i'm the pay-roll clerk for the power cabin and covered all school work several. At the height options make grade was $50 one month and i was the top cash lover within the go camping.

visitation is sunday, thursday in addition,yet legal country wide getaways at the hands of 8am that will help 3 pm. there won't be any time slows through goes to but yet travellers are limited to 4 throughout the day. i have a large kinds etc plenty of days towards the number they had to visit in adjusts.

web page visitors should pass through a metal sensor to lover require to convey an apparent vanity ladies handbag by using just his or her's car kys driver licence. They should bring enhancement for the merchandising gear. be sure to have your website visitors make that happen, groups predominately, equally some tools perhaps may be historical and will not take expenses, still,but unfortunately dining lasagna or even a meal coming from your generation devices could possibly be focus on in the place of criminals week.

nope high coming in contact with is acceptable and kisses are often limited by two pertaining to browse once on introduction and as soon as near leaving.

smoke is not allowed and punishable using solitary confinement when busted. irealised i was a smoking barbeque with regard to a and was badly informed the fact secret was to consider adopting style right after I showed up pumping me to have to quit cold temperatures game hen. if you decide you use, avoid, experience can be helpful anyone take place when necessary yet take that do cross over easy to do on your family.

sport comes into play the design competitive softball, basketball game, maintain a record of and perhaps dumbbells they aren't were gently obtaining phased out. as a result of quell the group fed image and so limit chaotic behaviour with reducing testosterone levels. you will also discover products such like treadmill machines and in addition counter-top street bikes simply within the inland northwest when compared to what number of inmates. i uncovered simplest and handiest method of practice to work as walking.

for drugs make certain to bring kids and therefore the prescription medications in put produce if at all possible. you're going to be seen utilizing a medical professional. soon there after dawn in addition to used herbal treatments just like what you're taking in common names means even if on the market, or he'll prepare a software for many something similar as been recently true having simple blood pressure level treatment. you happen to be purchase the case narcotic meds during a monthly furnish to become conscious given yet unfortunately any other narcotics will be presented at an everyday dietary supplement call for apparent reasons.

the food items at both associations when I occured hasn't been really only edible but also required to provide someone's vitamin requires. Water, and as well soft drinks were reachable when i first turned up, The soda pops ended up being ended soon enough afterward. via chnlove review vacation there have been one of a kind food. breakfast was previously by 6AM, lunch time over at 11:45AM and as a result dinner along with 4:30PM.

it has a study at both businesses including catalogs which were generousloy donated before causes and as a result inmates. these folks small,smaller than average not to tell the truth solved. you can easlily give out by means of substance, But it can't obscene or in any manner bothersome.

emails are permitted but each is verified because contraband. mostly inmates really like and will enjoy notes out of your home as is also a lifeline including varieties to the outside world.

in ideologies, I had sex in a 8 through 10 definite filter cube, composing of two sheet metal bedroom furniture, Two aluminum lockers along with one cause as small counter connected to the selection, and / or two straightener stools. The ice got kept during the barracks related to levels who has a home theater room on one side in addition to lavatory hospitals at one more.

the bathroom situations didn't have enough online privacy except the stalls which always situated the toilets. one particular time in the shower, shared all by curtains were being being straightaway all over their own and numerous basins covered the top fence.

the television house maintained two wall structure wall mounted tv sets, A micro wave, And a compact destroy. poker table and additionally ergonomic chairs were found to be long lasting in one premises assure in another. The tv's have low speakers and might basically only be accessed using a pair of headphones stereo that may purchased throughout commissary. i really believe i thought this was critical as viewing tv categorically made it easier for to secure made the effort, Especially come night time chnlove.com long hours.

movie downloads were on certain weekend times but these were unwanted and old and often certainly nothing i always was involved in discovering. Ballgames properly awesome were wide open as people were furnished by the web sites. zero tv gas stops, ESPN, and.

each individual one main housing piece possessed round 125 a person, thereby hub bub must have been regular matter, rendering asleep and the most useful possibly prevailing verbal exchanges next to impossible. ear canal attaches seemed to be for the commissary and i recommend the whole bunch as an important article.

Protestant school professional services manifest on thursday as well as Catholic muscle size was held biweekly.

suffice it to say regarding correction to the life-style change however involving what the experience turns out to be is which make of it. even though, it is really not an apartment which will all of us could possibly decide to get however it develops a question of fortune, you are likely to prosper to use it. we used the moment wherever possible to higher no one. i read and as well analyzed points with regards to attracted, used, at just correctly as far as possible to already lost about 100lbs. during my 29 month stick around.

this isn't something i might decide on once again or that that we hop in my most disappointing attacker, and yet I caused it to be through the knowledge to were released on the other side a healthier person i do believe. in a position to also your sincerity approach it with the winning attitude.
 
Credit Score: 737 Credit Limit: 220 Age: 35-44
Approved 10 years after Bankruptcy
Income On Application: $4500
Posted 05/02 2019
Overall Rating:
I dont understand why all the negative reviews here. Simply because you dont understand how a secured credit card works vs an unsecured card works. I have been in most of the situations that these people have been in and it sucks. But remember why you're here in the first place. Secured credit cards are to make small purchases or even large ones, but it's to establish a history of responsible handling of your money. Paying monthly on time. Proving your worth in credit. This card is not a car rental card, it never touts that it is. And as far as the fees involved with this card, it's not in the hundreds like some of these people are saying. If you want to load your card, go to Dollar Tree, ask the cashier to get a manager and pay at the register for $1. That's right, one dollar. You can make up to $75 in payment for a dollar. So if you need to pay $150 dollars, its $2 fee, onwards up. All the managers at Dollar Tree should know how to load a card and yes you can make a payment on the Platinum Secured Credit Card there. So with the yearly fee $39 plus 12 monthly payments to stay current on your credit report, is $51 dollars yearly. Not bad considering what you are trying to accomplish by getting this card. If you dont have a bank account or a unsecured credit card, just know you're not getting a car rental. I havent had a single problem with this card as it helped me get to where I am today with a 747 credit score. It took a while but it was all worth it. Be responsible before lashing out at what it was designed to do.
 
Credit Score: 627 Credit Limit: 900 Age: 35-44
Posted 04/12 2019
Overall Rating:
This card only works some of the time when I go to use it, and Green Dot Bank is no help in getting this fixed.

Can't rent a car, it works at one hotel but not another, and Green Dot Bank does nothing although this never happened with any other card I have ever had (secured or unsecured).

it's happening all the time now with this Green Dot Platinum Visa where the card doesn't even work half the time. Useless.
 
Credit Score: 578 Credit Limit: 800 Age: 25-34
Posted 04/05 2019
Overall Rating:
Card was declined at 2 different rental car places for a one-day car rental totaling $40, and I have $800 credit line available on the card.
I don't know why Green Dot is marketing a card that doesn't work half the time.I'm mad. I'm canceling it and getting my money back. This is ridiculous.
 
Credit Score: 578 Credit Limit: 800 Age: 25-34
Posted 04/05 2019
Overall Rating:
Card was declined at 2 different rental car places for a one-day car rental totaling $40, and I have $800 credit line available on the card.
I don't know why Green Dot is marketing a card that doesn't work half the time.I'm mad. I'm canceling it and getting my money back. This is ridiculous.
 
Credit Score: 660 Credit Limit: 700 Age: 35-44
Posted 03/26 2019
Overall Rating:
Card gets accepted sometimes, declined other times, no rhyme or reason to it and it's very unreliable. It's not worth having my money tied up in this card if I cannot use it in an emergency. Don't get this card!
 
Credit Score: 720 Credit Limit: 200 Age: 18-24
Income On Application: $38000
Posted 03/21 2019
Overall Rating:
This card is horrible. You can't even use your own money. DECLINED!!
 
Credit Score: 675 Credit Limit: 900 Age: 18-24
Posted 03/19 2019
Overall Rating:
MAJOR problems. Green Dot does not have their Platinum Visa set up properly. It gets declined half the time at rental car places and hotels - and I have a zero balance on the card and plenty of credit on it, so that is not the problem.

Green Dot is useless to help - they just say VISA declined it and you're left hanging, not able to use your OWN money.

It's not VISA that is the problem. How come I've never had this problem with any of my other 3 secured cards? Not even once in 6 years.

Waste of time getting this card. I can't even use my own money!
 
Credit Score: 598 Credit Limit: 700 Age: 35-44
Posted 03/16 2019
Overall Rating:
A big problem with this card: Green Dot Platinum Visa puts unreasonably long holds on the card - 2 weeks to release a credit card hold for a hotel!

Green Dot claims it is the hotel. That is not true- I’ve used my 2 other secured cards dozens of times at hotels, and never had a hold take longer than 48 hours to drop off.

This Green Dot Platinum Visa card is a problem. Having unreasonably long hold tomes makes the card totally unusable. Don’t get this card!!
 
Credit Score: 612 Credit Limit: 800 Age: 45-54
Posted 03/15 2019
Overall Rating:
The Negatives definitely outweigh the Positives on the Green Dot Platinum Secured Card. See for yourself:

Negatives:

1) Reports as Secured. You have many other secured card choices that don't report to credit bureaus this way.

2) Not able to reach a live person in customer service when you need help. Automated menu only. Not an acceptable way to run a business nor a bank.

3) Payments take 10-12 days to be credited to account.

4) If you make payments in a CVS or Walmart store, it costs you $99 PER YEAR if you make one payment per month. That's $60 in payment fees plus your $39 annual fee. Not a good idea to pay $99 per year when there are MANY other secured cards where you don't need to pay this.

5) Credit limit increases are a nightmare. You can't do this in store to increase your limit. You have to mail in a request. Business practices from the dark ages - requiring you to mail something in!

6)Card has no ability to ever become unsecured. There are many other secured cards that have the ability to become unsecured.

7) Activating the card at a CVS or Walmart is a total mess. My card took 7 hours after I made the payment to activate it to even show that it had been activated or that it had any funds on it. Meanwhile, during that 7 hours, not able to call a person in Customer Service for help because there is no customer service - only an automated menu. So my $800 sat in LIMBO for 7 hours with me having no idea if it was deposited to the card. Complete mess and huge headache.

8) Cannot rent cars with this card. Who needs a credit card that doesn't work if you need to rent a car?



Positives:

1) Fairly easy to get this card. Big deal - this really doesn't matter how easy it is to get when you have to deal with all of the major headaches above!
 
Credit Score: 604 Credit Limit: 600 Age: 45-54
Posted 03/15 2019
Overall Rating:
This card costs $159 PER YEAR if you make just two payments on your card per month at a CVS or Walmart. Just two payments per month.

Green Dot bank hopes customers don't sit down and figure this out.

Making 2 payments per month at CVS or Walmart costs you $10 per month or $120 per year. Add your $39 annual fee and guess what, you've just paid a card company $159 EACH YEAR you have the card!

Yes, you added correctly - after just 3 years of having the card, you've paid Green Dot almost $500 just for the privilege of making your payments at a Walmart of CVS.

There are at least 10 secured cards out there where you do not have to pay ANYTHING to make payments to your own card with your own money.

Don't waste your hard-earned money by giving it to Green Dot bank. Investigate the other great secured cards out there, unless you like throwing money away! $500 is a LOT of money!
 
Credit Score: 604 Credit Limit: 600 Age: 45-54
Posted 03/15 2019
Overall Rating:
This card costs $159 PER YEAR if you make just two payments on your card per month at a CVS or Walmart. Just two payments per month.

Green Dot bank hopes customers don't sit down and figure this out.

Making 2 payments per month at CVS or Walmart costs you $10 per month or $120 per year. Add your $39 annual fee and guess what, you've just paid a card company $159 EACH YEAR you have the card!

Yes, you added correctly - after just 3 years of having the card, you've paid Green Dot almost $500 just for the privilege of making your payments at a Walmart of CVS.

There are at least 10 secured cards out there where you do not have to pay ANYTHING to make payments to your own card with your own money.

Don't waste your hard-earned money by giving it to Green Dot bank. Investigate the other great secured cards out there, unless you like throwing money away! $500 is a LOT of money!
 
Credit Score: 654 Credit Limit: 500 Age: 45-54
Posted 03/14 2019
Overall Rating:
This card is terrible. They said you can increase your credit limit (up to your originally approved limit) by adding funds at CVS, Walmart, or similar places to reload your card. THIS IS NOT TRUE. You cannot "reload" your card at Walmart or CVS as they claim. You have to do it at a separate website using your own debit card or credit card from a different account. Fun to find this out after going to CVS and having them try twice to add just $100 to my card, only for it not to work. Green Dot is not a real bank and they shouldn't be issuing credit cards. Huge headache. Avoid.
 
Credit Score: 604 Credit Limit: 400 Age: 45-54
Posted 03/14 2019
Overall Rating:
One thing people need to be aware of – you cannot increase your credit limit by adding more money to the card at CVS or Walmart, up to your approved credit limit. The scenario:

1) You are approved for limit up to $5,000.
2) You initially deposit $300 onto the card.
3) A week later, you want to add $200 more to the card to increase your limit.

CVS and Walmart will 100% reject this if you try. You cannot add funds onto your card at Walmart CVS, or any retailer.

It took multiple calls to Green Dot Platinum Visa to find out there is separate website that requires a credit card or debit card if you want to add anything at all to your limit, and this is not listed anywhere. This is a lot of frustration so I am letting others know.
 
Credit Score: 601 Credit Limit: 800 Age: 45-54
Posted 03/13 2019
Overall Rating:
Open Sky Secured Visa allows you to increase your credit limit within 24 hours by conducting a wire transfer. I increased my credit line by $900 more in less than 24 hours via bank wire transfer on my Open Sky Card from Capital Bank. Payments for Open Sky also get credited within 24-36 hours.

Green Dot Platinum Visa takes 10 FULL days to credit payments to your card when you pay from your own (approved) checking account! They just are not professional and not at all like a "real" bank - this is not 1970. Many, many other secured cards to choose from who are not stuck in the dark ages. Don't pick Green Dot Platinum Visa, please!

I have not tried to rent a car yet, but am VERY concerned that I won't be able to do so with this Visa card after reading comments on here. Green Dot needs to get their act together.
 
Credit Score: 601 Credit Limit: 800 Age: 45-54
Posted 03/13 2019
Overall Rating:
Open Sky Secured Visa allows you to increase your credit limit within 24 hours by conducting a wire transfer. I increased my credit line by $900 more in less than 24 hours via bank wire transfer on my Open Sky Card from Capital Bank. Payments for Open Sky also get credited within 24-36 hours.

Green Dot Platinum Visa takes 10 FULL days to credit payments to your card when you pay from your own (approved) checking account! They just are not professional and not at all like a "real" bank - this is not 1970. Many, many other secured cards to choose from who are not stuck in the dark ages. Don't pick Green Dot Platinum Visa, please!

I have not tried to rent a car yet, but am VERY concerned that I won't be able to do so with this Visa card after reading comments on here. Green Dot needs to get their act together.
 
Credit Score: 520 Credit Limit: 200 Age: 35-44
Income On Application: $1800
Posted 03/08 2019
Overall Rating:
I made a payment towards my balance with my bank account instead of loading it at a Walgreen's this time. I had more than enough to cover my payment. I received an email with the payment and post confirmation. Two days later, I check my available balance and see that my payment was returned and in addition, another $25 added for a return fee.

No one in customer service could tell me why it declined, just that it could be various reasons. I called my bank and confirmed that Green Dot never even initiated the debit from my account and there was no decline on that side. So I called Green Dot back and spoke with a supervisor. My argument was why in the hell did the website accept my payment with a confirmation number if they never initiated the debit from my account? To add insult to injury, it gave me no indication that I would not accept it, otherwise I would have chose another form of payment. The purpose of getting this card was to increase my score and now they have my account looking like I am past my utilization which will be reported to the bureaus. I was so heated that I requested my account be closed and my security deposit be forwarded to me. This is THE WORSE way to improve your score. Run far away from Green Dot. The entire customer service team are all dumb as a bag of rocks.
 
Credit Score: 580 Credit Limit: 700 Age: 45-54
Posted 03/07 2019
Overall Rating:
There are MUCH better secured cards out there than this one. Try getting Open Sky Secured card. When I make a payment on Open Sky, the payment goes through and within 36-48 hours and the credit is available IMMEDIATELY after that 36-48 hour period.

With Green Dot Platinum Visa, it takes 10 DAYS for your payment to be credited. Seriously.

The point is not whether I need the credit available sooner; the point is that it's a pain in the rear for the payment to take 10 days to go through. There is no reason at all for that.

I could see if this was something we had to accept with ALL secured cards, but there are secured cards out there who have their act together way better than this Green Dot one.

I can also confirm that this card CANNOT be used to rent cars.

A real dud of a company and a real dud of a card.

Definitely apply for Open Sky instead - they are great and they have their act together.
 
Credit Score: 570 Credit Limit: 600 Age: 45-54
Posted 03/06 2019
Overall Rating:
This Green Dot Platinum Visa credit card cannot be used to rent cars. I loaded 600 dollars onto the credit card, and two days later both Hertz and Budget said it cannot be used to rent cars.

Great. Now my $600 is tied up and I can't use my card.

The number on the back of the credit card goes to an automated system only. You cannot speak to a live person at all. No one is available to help. What kind of company or bank is this?
 
Credit Score: 570 Credit Limit: 600 Age: 45-54
Posted 03/06 2019
Overall Rating:
This Green Dot Platinum Visa credit card cannot be used to rent cars. I loaded 600 dollars onto the credit card, and two days later both Hertz and Budget said it cannot be used to rent cars.

Great. Now my $600 is tied up and I can't use my card.

The number on the back of the credit card goes to an automated system only. You cannot speak to a live person at all. No one is available to help. What kind of company or bank is this?
 
Credit Score: 560 Credit Limit: 300 Age: 45-54
Posted 03/04 2019
Overall Rating:
Please DON’T get this Platinum VISA secured card. Green Dot is a prepaid card company and they don’t know how to be a credit card company. There is zero live customer service (no option at all to reach a live person, ever, when you have a problem), and you CANNOT use this credit card to rent cars.

Who ever heard of a credit card that cannot be used to rent cars?

I loaded $300 on this card for my initial deposit, and the online system showed ZERO dollars for more than 6 hours. No record of my deposit. And no way to call anyone for help, because the number on the back of the card is an automated system only with no option to reach a live person. Ever.

Green Dot does not know how to be a credit card company, and they shouldn’t try. DON’T get this card.
 
Credit Score: 510 Credit Limit: 400 Age: 45-54
Posted 03/03 2019
Overall Rating:

Green Dot bank could REALLY increase the money they make, expand their customer base, and increase their business if they did not report this card to the credit bureaus as SECURED.

Customer have many choices when choosing a secured card, and if the decision comes down to selecting a card that does NOT report as secured versus one that does report as secured, people will not be choosing Green Dot bank.

There are too many competitors that don't report the card as SECURED.

Thus far, Customer Service has been very good and the card was received quickly.

I'd be VERY interested to see more people report if they were able to successfully rent a car with this card. Please share.
 
Credit Score: 0 Credit Limit: 0 Age: 25-34
Posted 02/01 2019
Overall Rating:
THE CARD DOES NOT WORK FOR ALL TYPES OF TRANSACTIONS. WHEN YOU USE YOUR CARD AND IT DOESN'T WORK THEY'LL GIVE YOU A GENERIC REPLY THAT THE TRANSACTION WAS SUSPICIOUS OR RISKY AND THAT VISA HAS DECLINED THE TRANSACTION. THEY TAKE NO ACCOUNTABILITY FOR YOUR CARD NOT WORKING. THIS IS THE ABSOLUTE WORST CARD COMPANY TO USE.
 
Credit Score: 600 Credit Limit: 0 Age: 35-44
Posted 12/20 2018
Overall Rating:
Do.Not.Waste.Your.Money.Or.Your.Time.On.This.Card.
Do some research, most definitely read the fine print.
Just because the process is easy to sign up doesn't mean it's not a rip off.
Thanks

Very Disgruntled ex-user
 
Credit Score: 554 Credit Limit: 200 Age: 18-24
Posted 12/19 2018
Overall Rating:
Do not get this card they don't send statement about how much u owe nor do they give you transaction history and will get you behind on your payments try credit one or premier bank
 
Credit Score: 650 Credit Limit: 640 Age: 35-44
Income On Application: $45000
Posted 12/15 2018
Overall Rating:
Avoid this card at all costs.Poor, my score dropped after signed up for their card. Payments that are made by check must undergo verification - if it is not verified your score drops and has impact on credit score .
 
Credit Score: 0 Credit Limit: 0 Age: 35-44
Posted 12/12 2018
Overall Rating:
I decided to fix my credit, so I can purchase a home. My credit score was in the low 400s. I applied for the Platinum card put 200.00 des posit down and only used it for gas. I paid my balance before the due date. And I also paid one of my student loans off and kept the other ones updated. I started this in September 2018. Now in December my score is 600. I’m planing to increase my credit limit and watch my score rise. I’m very happy because I’ve never had a score this high.
 
Credit Score: 692 Credit Limit: 5000 Age: 45-54
Income On Application: $56850
Posted 10/27 2018
Overall Rating:
My Vantage scores are 692 for Transunion, 700 for Equifax, and 670 for Experian. My FICO scores are 650 Experian, 612 Transunion, and 634 Equifax. I had close to 30k in medical bills but I started paying them back in January 2017. I now only have $8000 left and my Vantage and FICO scores have been climbing. I also only owe $5400 on my current auto loan and I have paid consistently and on time with that for four years. I opened a secured credit account with Open Sky ($500 limit) and have kept my use to less than 30% each month and have paid. my bill in full each billing cycle. I've seen my credit scores slowly but steadily creep up in combination with my paying my debt down, paying all bills on time, and being responsible with my credit card usage. I decided to apply for the Green Dot Platinum Visa tonight and was approved for a limit of $5000. I will deposit $500 and set it up to pay my monthly bill out of my bank account. The application process was as easy as Open Sky's was and I expect that the benefits will be about the same, which is to say that the only benefit is to be able to prove that you can be responsible for managing your credit card use in exchange for seeing your credits scores increase. I've seen a lot about the whole 10 day waiting period after you pay your bill; I'm cool with that. I use my Open Sky card to pay my Netflix account and buy the occasional tank of gas if needed between pay periods and I'll use the Green Dot card to pay my Hulu subscription. The whole point of this for me is to get a boost to my score before I return to medical school in 2020 (in case I have to apply for a private loan) and put myself in a better position for a home loan (I was approved for 324k VA home loan) with better rates. This card is just part of my strategy to rebuild my credit and I don't expect anything fancy; I will keep the card for a year and then reassess whether or not I should keep it open or close it and apply for a traditional non-secured card.
 
Credit Score: 490 Credit Limit: 300 Age: 18-24
Posted 07/12 2018
Overall Rating:
I just applied for the Green Dot secured credit card, and I was approved for up to $5000. I immediately funded the deposit for $300, and they are now mailing the card (will take up to 7 days). So far the process is smooth and great. I'd definitely recommend this card for those looking to build or rebuild their credit.
 
Credit Score: 580 Credit Limit: 1000 Age: 45-54
Income On Application: $5600
Posted 05/23 2018
Overall Rating:
I recently (January 2018) got the secured credit card through GreenDot. As I travel quite extensively work I thought this would be a great option that would allow me to pay it off conveniently at Walmart or CVS and have instant access to more credit. This was to help with the occasionally rental card deposit snafu's or hotel bookings. One month after having it I rented a car through Hertz. No issue until Hertz ran the charge above my stated business account rate and it pushed me over the limit on the Green Dot card. I contacted Hertz and they immediately reversed the charges which put me back under my credit limit. Green Dot however froze my account as I went over my limit, charged me an over limit charge, and began a fraud investigation. At no point did I ever ask them to do so. This process completely locks down my access to the account. Can't login online, can't make a payment online or at a location, can't do anything. When the fraud investigation began I contacted them multiple times via phone to discuss it. Multiple times I spent over 2 hours on the phone speaking with various people. Finally I was told that my account was locked down because of the fraud investigation and it would take 45 days to resolve it. Later I was told that they were still processing it and expected to have everything completed within 120 days. I've never received a statement so that I can pay my bill via mail nor has anyone contacted me to tell me how to pay my bill. At last contact with Green Dot I was told that I need to pay by my bill to regain access to my account. All emails and calls to the higher ups at Green Dot have not been returned. BEWARE!
 
Credit Score: 430 Credit Limit: 200 Age: 25-34
Posted 01/22 2018
Overall Rating:
This card was rather easy to get. My scores were in the 400s and I have no checking account so it works out well for me because I can make my payments in walmart. Hate the fees though (it is like $4.95 per load). So I only pay at Walmart once a month and no more.

I have not checked my credit reports to see if they report yet but I'll circle back later.
 
Credit Score: 480 Credit Limit: 300 Age: 35-44
Posted 12/11 2017
Overall Rating:
My credit has taken a nose dive and my job situation is shaky. I am using 2 secured cards to help me rebuild my credit - Opensky and Green Dot because I do not need a checking account. With Opensky, I loaded with my debit card. With Green Dot, I could load and pay at Walmart and CVS. You have to pay a fee though if you pay at Walmart or CVS. Snail mail and checking accounts require no fee though snail mail may take 10 days to clear.
 
Credit Score: 504 Credit Limit: 200 Age: 25-34
Approved 1 year after Bankruptcy
Posted 10/20 2017
Overall Rating:
After my BK, I got the Green Dot prepaid card and decided to get the secured card when it was launched. I like that I can pay at Walmart since I shop there once a week. Hate the fees but I guess that is the price of having poor credit. My credit scores have improved over 50 points in the span of 9 months and they do report to all three credit bureaus.
 
Credit Score: 520 Credit Limit: 500 Age: 35-44
Posted 09/03 2017
Overall Rating:
I have a couple of secured credit cards to rebuild my credit and Green Dot is one of them. There are a couple of differences between Green Dot and others which I think I should share.

1. You have to fill in a "pre-approval" form on their website. Kind of strange but I think no other secured cards requires this.

2. You will get approved and the card sent to you before any money is taken from you. For most other cards, you have to fill in your bank account details and routing number and the deposit will be taken before you get the card. With Green Dot, the card will be sent to you after 7 days. You can then go to Walmart or CVS and load your deposit (for a fee). Or you could do snail mail or give them your checking account.
 
Credit Score: 490 Credit Limit: 200 Age: 25-34
Posted 08/16 2017
Overall Rating:
Here is a piece of advice. Do not pay by direct debit. It will take 10 days to post and you essentially have a 10 day hold. Do not do snail mail as well. Same issue. Best is to just go to CVS or Walmart and load and pay your card there. There is a fee but it is the simplest and most convenient and you do not face 10 day hold on your payment.
 
Credit Score: 565 Credit Limit: 300 Age: 35-44
Posted 06/28 2017
Overall Rating:
Green Dot and First Progress are two secured credit cards that I am using now to rebuild my credit. I have an account with Credit Karma and my scores have already gone up 60 points in 5 months. I know it is a FAKO vantage score but still....

Anyway, I just wanted to highlight a couple of things that may not be obvious just reading the details from Green Dot's site. Firstly, they report as secured to the credit bureaus. Wish they could report as unsecured or regular credit but I guess this should not be a deal breaker. The second thing is that when you pay at 7-11, CVS or Walmart, your credit becomes immediately available. If you send your check over mail or direct debit, it will take a few days to clear. It is the same with my previous cards (when my credit was better), it will take at least 24 hours or 48 hours via ACH. But when you load at stores, you get back your credit availability immediately.
 
Credit Score: 540 Credit Limit: 300 Age: 25-34
Posted 04/12 2017
Overall Rating:
Because of job losses, my income has fallen and my credit score has tanked as well. Right now I do not have enough to start a checking account without incurring fees. So Green Dot is kind of ideal for me because I do not need a checking account. I put my deposit and pay my bills all through Walmart (which I go every week).

For those of you in my shoes (without a checking account), this is a good secured to rebuild.
 
Credit Score: 560 Credit Limit: 500 Age: 25-34
Posted 03/24 2017
Overall Rating:
The main reason I got this card is because I do not have any bank account (I would be paying too much fees with the amount I have). So this card is ideal for me. I top up my card (or rather pay my bills) at either CVS, 7-11 or Walmart. The card is quite easy to get. You first fill out a pre-approval form. If you are approved, they will send you a card and you can go to any one of those stores I listed to put your deposit in. There is a fee for paying at a Walmart of 7-11 but your payment becomes available immediately. I checked with the credit bureaus after one month and Green Dots does report as secured.
 
Credit Score: 475 Credit Limit: 300 Age: 35-44
Posted 01/15 2017
Overall Rating:
I have no checking account because of old chex system issues so I chose Green Dot as my go to secured card because you do not need a checking account. I pay mainly at 7-11 and I absolutely love the convenience. There is a fee for each payment so I try to keep it to a minimum. I hope to use this card for a year or so and hopefully, I can get a couple of unsecured credit cards by then.
 
Credit Score: 540 Credit Limit: 200 Age: 25-34
Posted 12/07 2016
Overall Rating:
I got this card because I have no checking account. The card is ok. What I do not understand is why you have to go through a pre-approval process? After all, it is a secured credit card? I pay the card at Walmart but I am not really happy with the fees. But if I pay direct-debit, the hold is 10 days so I'll live with that.
 
Credit Score: 512 Credit Limit: 200 Age: 35-44
Posted 11/28 2016
Overall Rating:
Have had this card for 3 months and just want to highlight what I see as some of the pros and cons.

Pros.
1. You do not need checking account.
2. You can pay at 7-11, CVS etc
3. If you pay at 7-11 etc, your payment clears immediately

Cons
1. Reports as secured
2. Direct debit and mailing check takes days to clear.