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ZEBIT PREPAID MASTERCARD (CREDIT CARD ALTERNATIVE)
Zebit Prepaid MasterCard (Credit Card Alternative) (Poor Rating Credit Card)Mastercard
        
The Zebit Prepaid MasterCard® is not a Credit card. It is a prepaid debit card that comes with Zebit funding. Get instant funds on a Virtual Zebit Prepaid MasterCard® of up to £600 the first time you apply and up to £1000 from the next time onwards. Upgrade to the Enhanced Virtual Zebit Prepaid MasterCard® or Physical Zebit Prepaid MasterCard® for more features that let you use it like any other credit card.
Advantages

1. Helps you keep in control of your cash 
2. Spend online, or on the high street wherever you see the MasterCard Acceptance Mark 
3. Withdraw cash from most high street banks
4. Earn CashBack up to 25% based on repayment behaviour
5. Helps build credit score over time and make future finance available

Features of the Zebit Prepaid MasterCard® Variants: 
1. The default completely Free Virtual Zebit Prepaid MasterCard® can be used for online purchases with an expiry date that coincides with the loan repayment completion date.
2. The opt-in Enhanced Virtual Zebit Prepaid MasterCard®, also free of charge, comes with additional features.
3. The opt-in Physical Zebit Prepaid MasterCard® offers all the features of the Enhanced Virtual Zebit Prepaid MasterCard® + ability to withdraw cash at ATMS and make purchases at high streets Nominal fees applicable for ATM withdrawals.

Disadvantages

1. Must be UK citizen 
2. Must be 18 years of age or above
3. Must be employed
4. Minimum monthly salary of £750
5. Must have an active debit card
6. Must have a bank account that accepts direct deposits
7. Card Issue/Replacement Fee: £ 4.99
8. ATM Cash Withdrawal Fee: £ 2.99 Domestic £ 4.99 + 2.5% FX Fee for international ATMs ATM Balance Enquiry Fee: £ 0.49
9. Monthly Service Fee: £0.99 (Free with an active Zebit loan in good standing OR any month you load at least £100 on our card)
10. Foreign Exchange Charge (FX): 2.5% of Transaction Value
11. Administration Fee: £5.00
12. Online Load Fee: £0.99 (Free for the first 8 loads OR when load value is over £800)
13. Card Closure (Redemption) Fee: £ 7.49

The Zebit Card is issued by IDT Financial Services Limited pursuant to a license from MasterCard International Incorporated. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. IDT Financial Services Limited is regulated and authorised by the Financial Services Commission, Gibraltar. Registered Office: 57-63 Line Wall Road, Gibraltar. Registered No. 95716.
All communications relating Zebit should be sent to: Zebit, trading name of Lending Stream LLC, Wisteria Cavendish House, 369 Burnt Oak Broadway, Edgware, Middlesex, HA8 5AW, UK| Registered Address: 2711 Centerville Road, Suite 400, Wilmington, DE 19808, USA | Registration Number: 4124111, Consumer Credit Licence: 0643942
Acceptance Criteria
1. Must be UK citizen 
2. Must be 18 years of age or above
3. Must be employed
4. Minimum monthly salary of £750
5. Must have an active debit card
6. Must have a bank account that accepts direct deposits
Services
Chip & Pin: YesRebuild Credit: Yes
Costs, Rates & Fees
Representative APR: 2012.2%
Representative Example:
Rate of Interest: 6.40% per week; Total Amount of Credit: £335;Representative APR: 2012.2%; Duration of Agreement: 28 weeks; Total Cost of Credit: £310.09; Total Amount Payable: £728.84; Amount of Each Repayment: £26.03;Total Cashback Earned: £83.75
Credit Limit: £1,000.00
Balance Tranfer Rate: 2012.2%Balance Tranfer Period: Until Repaid
New Purchase Rate: 2012.2%New Purchase Period: N/A
        

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