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Looking for a Prepaid Mastercard for Ryanair? Beware Escape Card & others from Tuxedo
peterbaker
Posts: 3,083 Forumite
I am writing this because I am annoyed that Tuxedo Moneyplus Ltd which is apparently the upstart organisation behind
PhonesU/Escape Prepaid Mastercard,
Camping & Caravanning Prepaid Mastercard,
AA Prepaid Mastercard,
Sainsburys Prepaid Mastercard,
...does full credit file searches without properly disclosing the fact and too early in the applications process.
To date I have used Neteller's Net+ card which can be totally free to top up and use but in practice costs 1.75% to top up immediately. Buoyed by a post I'd read in this MSE forum that suggested that the Escape card is indeed totally free, I decided to start an application online.
The one box applicaton was only basic details like name and address, a mobile for text message service and an email address. There was nothing on the page that said it was going to do a full credit search. Why would it? It's not a credit product.
I clicked Submit.
I then immediately realised that it wanted ten quid off me and it asked me for credit or debit card details.
At that point I simply abandoned the application.
I have been using Neteller for many months and many flights and I am damn sure I haven't spent £10 yet on top up fees - the larger top ups I did via bank transfer which is slower than a debit card but free.
Today I was alerted by Equifax that Tuxedo MoneyPlus Ltd had done a credit search on my file.
How dare they do this without properly notifying me of their intention first ? ...
and before you "Any Ts & Cs found blowing in the street are to be worshipped" merchants get on your high horses, it is just not good enough that you have to be completely tenacious and find and click on the right links on about four separate webpages (yes the terms are deliberately buried) in order to actually read the Ts & Cs which then you might find includes a bland term that they may consult CRAs about you.
I can live with it. So rather than contact Tuxedo about my individual case, I'd rather come here and use the effort on something useful. Let this be a warning to those whose credit score is sensitive, that with any of the above mentioned Tuxedo-backed pre-paid cards you are likely to get a credit search on your file even though you aren't applying for a credit product.
PhonesU/Escape Prepaid Mastercard,
Camping & Caravanning Prepaid Mastercard,
AA Prepaid Mastercard,
Sainsburys Prepaid Mastercard,
...does full credit file searches without properly disclosing the fact and too early in the applications process.
To date I have used Neteller's Net+ card which can be totally free to top up and use but in practice costs 1.75% to top up immediately. Buoyed by a post I'd read in this MSE forum that suggested that the Escape card is indeed totally free, I decided to start an application online.
The one box applicaton was only basic details like name and address, a mobile for text message service and an email address. There was nothing on the page that said it was going to do a full credit search. Why would it? It's not a credit product.
I clicked Submit.
I then immediately realised that it wanted ten quid off me and it asked me for credit or debit card details.
At that point I simply abandoned the application.
I have been using Neteller for many months and many flights and I am damn sure I haven't spent £10 yet on top up fees - the larger top ups I did via bank transfer which is slower than a debit card but free.
Today I was alerted by Equifax that Tuxedo MoneyPlus Ltd had done a credit search on my file.
How dare they do this without properly notifying me of their intention first ? ...
and before you "Any Ts & Cs found blowing in the street are to be worshipped" merchants get on your high horses, it is just not good enough that you have to be completely tenacious and find and click on the right links on about four separate webpages (yes the terms are deliberately buried) in order to actually read the Ts & Cs which then you might find includes a bland term that they may consult CRAs about you.
I can live with it. So rather than contact Tuxedo about my individual case, I'd rather come here and use the effort on something useful. Let this be a warning to those whose credit score is sensitive, that with any of the above mentioned Tuxedo-backed pre-paid cards you are likely to get a credit search on your file even though you aren't applying for a credit product.
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Comments
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Get a Fairfx card. I applied and loaded money onto it in the process and 4 days later it arrived and was ready to use. It costs me 30p for each £20 i load onto it.0
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peterbaker wrote: »To date I have used Neteller's Net+ card which can be totally free to top up and use but in practice costs 1.75% to top up immediately.
Recent bank transfers (which are free) to my Neteller account have cleared the same working day. I'm increasingly satisfied, they seem to be responding to the greater volume of custom with speedier service, so I'd recommend others to stick it out through the slow sign up and enjoy Neteller instead of the rest.0 -
Escape Card and Escape Travel Money Card have deals on the web, you get your £10.00 fee back on your first load of the card - so it is effectively free.0
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I looked at my credit file after reading this post. These guys DON'T do a credit check, they do a trace which shows but DOES NOT leave a credit check footprint on your history.
I might be being picky but you've got to get it right! Right?0 -
Is should NOT be any fee if you load it usng Debit card, not Bank transfer
"Card Load/Reload FREE card load online by Debit or Bank Transfer. 1.5% charge for Credit Cards" From their T&C
http://www.fairfx.com/cardterms
ADINDASGet a Fairfx card. I applied and loaded money onto it in the process and 4 days later it arrived and was ready to use. It costs me 30p for each £20 i load onto it.0 -
Is should NOT be any fee if you load it usng Debit card, not Bank transfer
"Card Load/Reload FREE card load online by Debit or Bank Transfer. 1.5% charge for Credit Cards" From their T&C
http://www.fairfx.com/cardterms
ADINDAS
Adindas....please stop making these posts.
I'm sure you are trying to be helpful, but you keep making mistakes in your summaries. You are not posting anything new, only re-writing(sometimes erroneously) what is already known.
It is FREE to load the card online by Debit card or Bank Transfer.
The 1.5% loading fee is for using a Credit Card.0 -
I looked at my credit file after reading this post. These guys DON'T do a credit check, they do a trace which shows but DOES NOT leave a credit check footprint on your history.
I might be being picky but you've got to get it right! Right?
But their rates are rubbish. So why bother?0 -
You might be picky but I don't see any useful point to your post, Paulmark. You want us to consider "a trace which shows" but which is "not a credit check footprint". What hair are you really trying to split?? You sound like rather patronising, like a botox sticker who says "you might detect a small pr1ck, but it won't hurt"I looked at my credit file after reading this post. These guys DON'T do a credit check, they do a trace which shows but DOES NOT leave a credit check footprint on your history.
I might be being picky but you've got to get it right! Right?
Tuxedo left a footprint on my credit file - I received an alert from Equifax. So I suggest again that those that wish to avoid clumsy clodhopping bootprints on their credit file DO stay away from Tuxedo including all the Tuxedo products I listed in the original post.0
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