RE-LOADABLE ANONYMOUS DEBIT CARDS
ONLY US$125.00 plus shipping
What is a RLDC?
RLDC offers what are known as "stored value" cards. Quite simply, that means that you store money and access it by using your card worldwide at a bank machine (ATM) or by using it like a bank debit card to make purchases (POS transactions available in Canada only).
What name will be printed on the card?
There is no individual name printed on it.
Does your RLDC expire?
There is no expiration date of the card.
Are there any withdrawal limits?
RLDC features a limit of (per card):
2,500.00 USD Daily ATM Withdrawal Limit
3,000.00 USD Daily POS Withdrawal Limit
75,000.00 USD Monthly (Thirty "30" Days) ATM Withdrawal Limit
90,000.00 USD Monthly (Thirty "30" Days) POS Withdrawal Limit
Are there any loading limits?
RLDC features a limit of (per card):
9,500.00 USD Daily load limit (1,500.00 USD for DDA)
30,000.00 USD Monthly (Thirty "30" Days) Load limit
Who can apply for a RLDC?
Anyone can apply regardless of his or her nationality, country of residence, credit history or status.
Are there different types of cards?
Yes and no. All cards function in basically the same way, but they can be put to a number of different uses. Your employer can use a RLDC as a more convenient and less costly way to pay you. You can send a card to someone as a gift. You can use a card to transfer money to relatives overseas. Insurance company can use cards to pay claims. In short, the possible uses are virtually endless.
How secure is my money with RLDC?
A RLDC is more secure than a bank card. Like a bank card, nobody can get at your cash without your Personal Identification Number (PIN). What's more, unlike a bank card, the maximum risk that you face is the amount of money stored on the card. With a normal bank card, someone who steals both your card and PIN may be able to clean out your entire bank account.
When it comes to the question of security, the term "stored value" may be a little misleading. The money is not actually stored on the card. It is stored on our secure computers and can only be accessed if you provide your PIN when you use your card at an ATM.
Your PIN is not stored anywhere on your card, not even on the magnetic stripe. The information on the stripe merely identifies you so that our systems can compare the PIN that you enter to the one that is stored in our secure computers. That way, a thief who steals your card cannot learn your PIN even with a magnetic card reader.
Because your PIN is so critical to the security of your card, it is important that you protect it. Be sure that nobody is looking over your shoulder when you enter your PIN. Even if you aren't aware of anyone watching you, it is still a good idea to shield the keys of the ATM with your other hand when you enter your PIN.
How is RLDC better than cash?
There are lots of ways that RLDC beats cash. To name just three:
1. RLDC is more secure than cash. If cash is lost or stolen it is likely gone forever. If your RLDC is lost or stolen, it can be replaced. No one can get at your money unless they also have your PIN. (We recommend that you do not write down your PIN or, if you do write it down, never keep it in the same place as your card.)
2. A RLDC is a global money and debit card. When you use cash, you usually have to exchange your money for local currency when you travel out of the country, which can be a costly and time-consuming inconvenience. With RLDC, you can use your card at any worldwide ATM. All cash withdrawals are automatically in the local currency.
3. You can safely send a RLDC in the mail. The post office and courier companies tell you not to use their services to send cash. In the past, if you wanted to send money to friends or relatives across the country or overseas the only alternative was expensive wire services. Now, you can easily send a RLDC to them in the mail. It is secure because no one can access the cash on the card unless they also have the PIN. (Never send a card and its PIN at the same time).
Is RLDC better than using check?
1. Cash stored on a RLDC is available immediately. If you send a check as a gift or to transfer money to relatives "back home", the recipient's bank usually puts the money on hold for at least a few days, and often a few weeks, until the check "clears". The wait can be particularly long when sending money out of the country. With a RLDC, you can tell the recipient the PIN over the phone. Then, as soon as the card arrives, the recipient can use it immediately at an ATM.
2. Cards can be refilled quickly and easily. When you use check to send gifts or transfer money, if you want to send another gift or transfer more cash to the same person, the recipient has to wait for the check to arrive and the bank to clear it. With a RLDC you just add more cash to the same card. The recipient then has immediate access to the cash -- the second and subsequent times, they don't even have to wait for the card to arrive.
How is RLDC better than using a bank card?
1. RLDC can be used to send gifts or transfer money. Since an ordinary bank card and PIN gives the holder access to your full bank account, they are not a good way to send a gift or transfer money to others. A RLDC gives a recipient access to only as much money as you add to the card -- not your whole bank account.
2. RLDC are more secure. Because a RLDC is not tied to your bank account, in the very worst case, if someone steals both your card and PIN, the most that the thief can get is the money that remains on your card. With a bank card, they may be able to drain your entire account.
Where can I get a card?
You can purchase a by contacting www.Finor-Group.com
Where can I use my card?
You can use your card at any almost ATM.
Can I use my RLDC like a credit card before I add money to the card?
No. A RLDC is what is known as a "stored value" card. This means that you must first add money to the card and then spend or withdraw that money from it. You cannot use the card to spend more than the amount of money that is stored on it.
Do I need a good credit record to get a card?
No. Since you cannot spend more money than you have added to the card, the card issuer does not assume any risk and, therefore, is not concerned with your credit rating.
There is one exception. Companies that make small loans may use a RLDC as a more secure and convenient way to provide you with cash. In this case, a credit check may be required, but it is a credit check for the loan, not the card.
How do I add money to my card?
You can transfer money to your card over the Internet or at your bank. Please see the methods below:
- DDA Direct Deposit Account (Payroll)
- European Bank Transfer (European Direct Pay)
- International Bank Transfer (Wire, Swift, IBAN, etc.)
- European Instant Bank Transfer (European ACH)
- e-gold (Instant Automatic loading system)
- SwiftPay Cash Western Union.
- Cash Deposit ConveniaLoad.
- Cash Deposit Ukash.
- RLDC to RLDC (card-to-card transfer)
- ACH Purchase (Automatic Clearing House)
Can I transfer money from my RLDC to my bank account?
No.
Is my money protected if my card is lost or stolen?
Yes. Nobody can get at your money without your PIN. If your card is lost or stolen, it can be replaced once we verify that you are the authorized cardholder.
If I give a RLDC as a gift, can the recipient replace the card if it is lost or stolen card or do I have to do that?
Yes. The cardholder is a known account holder because the card is in their name. Cardholders can simply contact RLDC directly and we'll replace the card as soon as possible.
What happens if I forget my Personal Identification Number (PIN)?
Not right away. If you have lost or forgotten your PIN number you cannot get a new one or reset the PIN in any way. If you have made 3 or more attempts at an ATM the system will automatically lock your card and disable use for 24 hours.
You can go back to any ATM after the 24 hour lock down period and try again. If you have in fact forgotten or lost your PIN number you must replace your card.
I want to use a RLDC to transfer money to relatives in another Country. Can I have a 2nd account, send the card to my relatives and simply transfer from card to card?
Yes. Simply order two individual cards. One card for each person. Then simply execute card to card transfers.
Is it less expensive to transfer money from card to card than using a traditional wire transfer service?
Quite simply. Yes. Check with us for a list of transaction fees.
Are there any transaction fees?
Yes. Check with us for a list of transaction fees.
How is the currency exchange rate calculated when the card is used outside of my Country?
Foreign banks usually send us withdrawals in their local currency. If that is different than the currency of your account we will apply a competitive exchange rate to convert it to your card's currency.
Can I find out how much money is in my RLDC account? Or do I have to keep track of that myself?
You can see your card's balance, along with any transactions applied to your card, on the secure RLDC Web site.
I'm looking at this on a friend's computer and I don't have one of my own. Do I need a computer to use a RLDC?
No. You don't need your own computer to have a RLDC. You can use the card just like any other bank debit card. You can use any computer equipped with a current web browser and internet connectivity to monitor your card activity.
How much does it cost to get a RLDC?
Fees are US$125.00 per card with a discount for bulk orders.
Are there any limits to how much money I can store on my card?
There are no limits to how much money you can keep in your RLDC account. But you are limited to how much you can withdraw. These limits are set by each Bank or ATM you use.
Why should I trust a RLDC?
The security of your money is of utmost importance when using a RLDC.
I used a RLDC to transfer money to relatives back home. When I want to send more money to them, can I add money to the same card or do I have to get a new card?
Yes. You can simply add more money to the same card. They will then have instant access to the cash.
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