Netspend Compliment - A Good Alternative - Prepaid Debit Card
I have been using Netspend since they came to town, about 8 years ago I am guessing. Once you realize the fees that are involved and use the card wisely it provides a great service.
I have ran into the same problems as many of the reviewers. I got gas once and had to wait a week to get my $75 back. After calling customer service I was satisfied that this was the fault of the gas station's pre-authorization method, and not the fault of Netspend.
I have had an online company double charge me on a $12 purchase. The process was a bit much, but my money was quickly returned.
I had a $3.00 charge to an airport in another country that was instantly returned when I called customer service. I didn't even have to file paperwork for that one.
Most of the reviews I have read have been the fault of company taking the card, not Netspend themself. I think some of the reviews give Netspend an unfair shake. If you aren't aware that gas stations can hold a large amount of your money when paying at the pump, You shouldn't blame Netspend for you not knowing.
If a merchant double charges you, It isn't Netspend's fault. Be patient and provide Netspend with the information and they will get the money back for you.
There are some things that are getting ridiculous with this card though. The ATM fee has been raised to 5 bucks.... 5 bucks, can you imagine paying 5 bucks just to get your money off a card?? Give me a break. Greed never got anyone any buisness.
Luckily they have kept the per-charge fee at a dollar which is fair. As long as they don't raise the fee to add money to the card, which is 3 dollars, and they don't raise the fee over a dollar to use it.. I think the long term users like myself will stay loyal to the card.
It is pretty convenient to never have overdraft fees, and I have overdrafted my account somehow a couple times, but was not charged, and that is fantastic because I would have cut up my card if I had.
My advice to Netspend would be Get more bank backing aside from Meta who has been caught being crooked. Don't start getting greedy at our expense. The fees you are charging right now is probably the very maximum you will be able to charge and still keep your customers. Don't Get Greedy.
But as far as customer service, so far I have always talked to someone in America when I called. That is a good thing. They haven't started outsourcing their call center to Zimbabwe yet.. That will help keep jobs local. So I am happy with that. And They have always been friendly, and have taken care of my problems.