Newbridge Advantage

 

F.A.Q. - Newbridge Advantage Prepaid MasterCard

   PERSONNA LINE OF CREDIT |  NEWBRIDGE ADVANTAGE PREPAID MASTERCARD  

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1) What are the benefits of a Newbridge Advantage Prepaid MasterCard®?

The Newbridge Advantage Prepaid MasterCard® allows you to do more. Whether you want to shop online, make bill payments, book hotels or rent a car, Newbridge Advantage Prepaid MasterCard® can get you there! It makes purchases easy, convenient and secure wherever MasterCard® is accepted - that is in over 24 million locations worldwide. You can also withdraw cash from over 1 Million ATM's displaying the Cirrus logo. You are free from the hassle and security issues of using cash. You can buy what you want, when you want. Your prepaid card is also an excellent budgeting tool without the hassle and securities of using cash. Since it is not a credit card, you will not need to worry about getting carried away with your spending.

2) Do I have to qualify for a Newbridge Advantage Prepaid MasterCard®?

There is no additional approval required as long as you have been approved for the Newbridge Advantage Persona Line of Credit.

3) Does the Newbridge Advantage Prepaid MasterCard® have an impact on my credit rating?

No, the Newbridge Advantage Prepaid MasterCard® is NOT a credit card and the activities of the card are not reported to the credit bureaus.

4) Who is TRUCA$H?

Trucash is our rewards partner and program administrator for the Newbridge Advantage Prepaid MasterCard®. All transaction and point enquires relating to the Newbridge Advantage Prepaid MasterCard® will be directed and supported by TRUCA$H.

5) How do I apply for a card?

You may apply for the Newbridge Advantage Prepaid MasterCard® online by
clicking here

6) How long does it take to receive my card?

Once your application has been approved, within 48 hours of your request, you should expect to receive the Newbridge Advantage Prepaid MasterCard® in the mail within 2-3 weeks. Your confidential security PIN will be sent to you separately in the mail 2-3 days thereafter.

7) How do I activate my personalized Newbridge Advantage Prepaid MasterCard®?

You can activate your personalized Newbridge Advantage Prepaid MasterCard® by logging onto our website with your user ID and password.

8) When can I begin to use my card?

After your card has been activated, you can begin to load and transfer funds from your designated bank account to your prepaid card on our website. Once you have received confirmation that funds have been transferred onto your card, you can immediately start using your Newbridge Prepaid Card.

9) How do I load money to my card?

You can load or transfer funds to your card by logging onto our website www.newbridgeadvantage.com with your user id and password.

10) How long does it take to transfer funds from my account to my prepaid card?

It can take up to 5 business days from the date of request for funds to reach your prepaid card, this time requirement is due to the financial institution's clearing rules and is also designed to protect the owner of the account from fraudulent activities.

11) What is my spending limit and what is the maximum balance I can have on my card?

The maximum spending limit is $2,500.00 per day. The maximum value you can have on your card is $7,500. Any funds withdrawn from a POS (Point-of-sale device) or through a participating bank will be subject to the maximum amount that can be spent on your Card per day.

12) Can I use my Newbridge prepaid card at any ATM? Is there a limit on ATM withdrawals?

Yes, you may use your card to withdraw cash at any ATM that displays the Cirrus logo. Enter your security PIN number when asked to do so and choose the credit card option. Please note that the use of ATM may be subject to additional ATM fees by the ATM provider. The maximum cumulative amount that may be withdrawn from an ATM is $500.00 per day.

13) Can I make a stop payment on my card?

No, you do not have the right to stop payment on any purchase or payment transaction originated by the use of your card.

14) How will I know my card balance?

You can check your balance and get details of your transaction history by using your free online account on www.newbridgeadvantage.com. You can also get the information about your card by calling Trucash customer support at 1-888-410-2166 during regular business hours Monday to Friday 9am - 5pm EST.

15) Can I make preauthorized and other bill payments with my card?

No, You can not make preauthorized regular bill payments with your prepaid card.

16) Why was my purchase declined?

Your purchase will be declined if your prepaid card's available balance is less than the purchase amount. If you know the approximate balance on your card, you can ask the retailer to do a split transaction and pay the difference using another form of payment (e.g. cash) to make up the difference between the amount of funds available on your card and the purchase amount. (Note: Merchants are not obliged to do this).

17) What happens when I return something that I purchased with my prepaid card?

Depending on the merchant's policy, the merchant may choose to either credit the refund amount to your prepaid card or provide you with cash or in-store credit. The merchant will not credit your card without a corresponding purchase originating at that merchant.

18) What are the fees associated with using Newbridge Advantage Prepaid MasterCard®?

This card is included with the Newbridge Advantage Persona Line of Credit; please
click here for more details.

19) What happens if I forget my username, online password or PIN?

You can go to our website and click on the Forgot Password link, enter the required information and your new password will immediately be emailed to the email address in your account profile. If you have lost your PIN, please call customer support at 1-888-410-2166.

20) When will my Newbridge Advantage Prepaid MasterCard® expire?

Your prepaid card will expire approximately two years from the date of issue and a new one will automatically be sent to you 60 days prior to expiry.

21) I have lost my card, how do I get a new one?

If your card is lost or stolen, call customer support at 1-888-410-2166 immediately to report that your prepaid card is lost or stolen. You should also do this if your PIN has been compromised. Once your card is reported lost or stolen, it will immediately be cancelled and your funds will be protected. A replacement card will be mailed within 15 business days. Upon activation, any remaining available balance will be automatically transferred to your new card. There is an administration charge of $25.00 for each replacement card. Please refer to your card holder agreement for further details.

22) Are the funds on my card protected from unauthorized transactions or if my card is lost or stolen?

Yes, please refer to your card holder's agreement for further details.

23) What is the difference between authorization details and transaction details when I view my transaction history online?

Transactions in the authorization detail section means the merchant has sent notice of a transaction either in store, online, mail, telephone or bill payment for the specified amount, but the merchant has not yet sent through the settlement request for the final amount. Up and until the merchant settles the final transaction amount, the temporarily authorized amount is unavailable for any new purchases or ATM withdrawals. Once we receive the final transaction settlement request, the transaction is considered to be settled and the amount of the transaction plus any applicable fees for the transaction will be deducted from the available balance on your prepaid card.

24) What are pre-authorizations? Why is the amount shown in the authorization details different from the actual purchase amount?

A pre-authorization takes place when a merchant temporarily holds a portion of the funds in addition to your purchase amount. This is a normal practice for some merchants accepting credit and prepaid cards. It ensures the merchant that your card is valid and that you have sufficient funds to cover the anticipated final amount of your purchase. Until the merchant settles the transaction, pre-authorized funds and the purchase amount are unavailable for new purchases or ATM withdrawals. Once we receive the final transaction settlement amount, the transaction is considered to be settled and the amount of the purchase and/or transaction plus any applicable fees for the transaction will be deducted from the available balance associated with your card - usually within 3 days. In the event that the purchase amount is less than the pre-authorized amount, those remaining funds will be released |P|once the transaction is settled.

The most common merchants that often require a pre-authorization payment are gas stations, hotels and rental companies. For example, when paying at the gas station, the terminals will pre-authorize your card for a minimum of $75 to ensure sufficient funds are available for the anticipated purchase amount; however, there is no pre-authorization if you pay inside at gas stations.

25) Can my card ever have a negative balance?

Even though your Newbridge Advantage card is prepaid, it is possible to have a negative balance. An authorization request for a purchase amount exceeding your available balance will be declined. However, some types of retail transactions can result in a negative balance on your card, if you have not ensured that there is sufficient funds on your card to cover the transaction. In this event, you will be responsible for the negative balance on your card.

26) Will I receive a monthly statement?

There is no paper statement to be sent each month but you may view at anytime your monthly statement or access your transaction history by logging onto your online account with your user ID and password.

27) Can someone else use my card?

No, only the cardholder whose name appears on the card can use the card. You will be totally responsible for the care and control of your card and for maintaining the security of your PIN. Your PIN is provided only for your use and protects you from fraud when withdrawing cash from ATMs. You should not maintain a written record of or disclose your PIN or online access information to a third party, including family members and friends.

28) What if I don't recognize one of the transactions on my card?

You can review your transaction history online using your free online account. Sometimes merchants may operate under a different name other than the actual store name. If you have found an error in any transaction record you must address such error with the applicable merchant or ATM operator. If there is an error, you may request the merchant to reverse the transaction and credit your account with the funds. If the merchant refuses to assist, please call customer support at 1-888-410-2166 to report the disputed transaction.

29) Can I have more than one Newbridge Prepaid card or get cards for my family?

You may only have one Newbridge Advantage Prepaid MasterCard under your name. If your other family members are eligible, they will be able to have their own Newbridge Advantage Prepaid MasterCard®.

30) I already have a MasterCard credit card; can I still get a Newbridge Advantage Prepaid MasterCard® card?

Yes, you may have more than one Mastercard as long as you have been approved by the corresponding issuer of that card.

31) I already have another prepaid MasterCard® card; can I still get a Newbridge Advantage Prepaid Mastercard card?

Yes, you may have more than one prepaid cards as long as you have been approved by the corresponding issuer of that card.

For Lost and Stolen Card contact: Tel: 1-800-624-6171
For more information call 416-410-8200


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