Credit report scores tell lenders who you are

Guaranteed Visa Or Mastercard

Guaranteed Visa Card

The HIPCASH Visa® Card is accepted at over 28 Million Locations Worldwide. At any location where you see the Visa® logo and can be used for making purchases over the phone, on the internet or in person.

The HIPCASH Visa® Card is accepted at over 800,000 ATM machines and you can obtain cash advances anywhere you see the Visa® and or CIRRUS® logos displayed.

Money can be loaded to the card 24 hours a day 7 days a week by visiting our web-site or calling our toll-free customer service line. We can also set up automated deposits to your card through transfers from your bank account or direct deposit from your paycheck

  • Perfect for all your friends and family.
  • Toll-Free Phone Support.
  • Online and Offline Access.
  • Take your card from Job-to-Job.
  • Direct Deposit from your Employer.
  • Low cost fees.
  • Store your Money Safely.
  • Easy to Purchase (POS).
  • 24/7 ATM Access to Funds.
  • No Credit Check or Bank Account Required
  • No Security Deposits
  • No Employment Verification
  • Keep your Money safe - No more need for Money Orders or walking around with cash in your Pocket
  • Pay your bills over the phone
  • Set up Automatic Bill Payments from your Visa®
  • Eliminate check-writing hassles
  • Avoid late-payment fees
  • Save postage costs and time
  • You cannot overdraft the account. There are no late fees or interest charges.
  • 24 X 7 On-Line Account Access

Get all the HIPCASH Visa details now!

Guaranteed Mastercard

Vaya Card is not a traditional credit card or a bank account. It's different. Since it's PREPAID, you load money on to your Vaya Card and then have the flexibility to spend the funds as you see fit.

Use it to shop online, travel or budget your expenses, all with the security of the MasterCard Zero Liability Policy. Additionally, Vaya Card gives you great tools like text message alerts sent right to your cell phone so you're always in control. Best of all, approval is guaranteed:*

  • No Credit Check
  • No Bank Account Required
  • No Employment Verification Required
  • No Minimum Balance Required

Vaya Card combines the strength of the MasterCard brand with cutting edge account management tools.

Vaya Card is accepted at millions of merchant locations worldwide and give you cash access at any ATM with the MasterCard® or Cirrus® brand. You can also use our online BillPay feature to automatically pay your bills each month.


Credit Report Scores - Computing Then Insufficient funds?

Your credit report scores are based on factors that appear in your credit reports:

  • Bill payment history (Good: on time and for the full amount)
  • Total outstanding debt (Good: non-mortgage loan payments less than 5% of gross income)
  • Types of debt (Good: mortgage, car loans, Bad: high credit card debt)
  • Length of credit history (Good: 3 or more years of on time payments)
  • Credit inqueries (Bad: many rejected applications)

The Equal Credit Opportunity Act (ECOA) prohibits certain factors from being used in determining your credit report score:

The Equal Credit Opportunity Act provides actions for you to take if suspect unauthorized factors are being used to deny you credit.



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Credit Card Companies And The Credit Reporting Agencies They Use
Cleaning Up My Credit In 30 Days
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