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I also got hosed by Harvest Capital. I sent a money order for $30 back in Aug/04, after a few months I sent a few emails which they didn't reply to. I did get a call back after I looked up their 800# which has since been disconnected and was assured I would get the card in a few wks. A few months later I left them a very brutal voice mail and got a call back from the same person some guy named Jeffrey and this son of a bitch comes off sincere as hell, very smooth. I must've spoken to him for ten minutes and he assured me that it was just an error and that they had been swamped with orders and that it was on the way. Naturally I never got the card. I know most likely I won't get the money back but I would like to see them get theirs. I did a bit of searching and spoke to the mall administration for their Ontatrio address they said they had no other contact info and that numerous people have been calling for them and that they would have their mailing address at one of two locations in the mall. I looked up their Houston address and spoke to a guy where they were having their mail forwarded and he said the Houston police were just there yesterday July 5 and that they'd been around months ago as well and were under investigation. Apparently their 800# may have been routed through California but who knows. I even called the company that hosts their site (looked up through whois.ca) and they had no other contact info for them but maybe if enough people call and email them we can temporarily shut down the site so no one else will lose their money.
Good luck everybody
Any Prepaid Credit Cards Available?
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MultiQuote#37 distcan
Posted 25 July 2005 - 12:15 AM
DO NOT SEND MONEY TO HARVEST CAPITAL
Please follow this link if you already have or want more information on this company.
www.distcan.com/harvest.html
Please follow this link if you already have or want more information on this company.
www.distcan.com/harvest.html
#38 Maestro
Posted 01 September 2005 - 08:10 AM
Go to http://www.creditwizard.ca/ to file one app to multiple banks and credit card companies, I'm sure you will get 1 reputable card with no security deposit required.
Choises for a prepaid credit card are:
Western Union : http://www.westernun...aid_credit_card
West Edmonton Mall VISA Card: http://www.westernun...aid_credit_card issued by Citizens Bank of Canada.
There are a lot of other choices, but defenitelly Harvest Capital is not one of them, sorry guys :(
Choises for a prepaid credit card are:
Western Union : http://www.westernun...aid_credit_card
West Edmonton Mall VISA Card: http://www.westernun...aid_credit_card issued by Citizens Bank of Canada.
There are a lot of other choices, but defenitelly Harvest Capital is not one of them, sorry guys :(
#39 tholmes
Posted 14 September 2005 - 10:39 AM
The Harvest Credit Card is a scam, trust me I ghot scammed.. I told the police and the BBB and I still did not get the card as promised nor did I get my money back.. I have emailed them, and snail mailed them and still nothing...Harvest is a scam!!
#40 Deveen
Posted 16 October 2005 - 11:39 PM
eply to Harvest Capital prepaid mastercard.......
I was browsing different websites who offered prepaid mastercards, and I came across HC. I sent them a money order $39.00 in Mid August, its now Oct 17 and I received nothing, when I emailed their customer service i never got a reply, its a good thing i never gave them my sin number. Its hard for consumers to trust these joe blow companies, i wish visa and mastercard themselves would offer prepaid credit cards to canadian residents.
Deveen
I was browsing different websites who offered prepaid mastercards, and I came across HC. I sent them a money order $39.00 in Mid August, its now Oct 17 and I received nothing, when I emailed their customer service i never got a reply, its a good thing i never gave them my sin number. Its hard for consumers to trust these joe blow companies, i wish visa and mastercard themselves would offer prepaid credit cards to canadian residents.
Deveen
#41 Deveen
Posted 16 October 2005 - 11:42 PM
Has anyone tried ICICI Bank a new comp?
#42 L...
Posted 17 October 2005 - 10:03 AM
western union is not available to canada
also capital one in canada but it is by invites only.
also capital one in canada but it is by invites only.
#43 Drew
Posted 17 October 2005 - 02:10 PM
Try www.mycard.ca prepaid mastercard. They are $39.95 which includes a $10 load. They cost $5.95 a month to maintain. That's it.
They are just starting to set up distributors this month (Oct 2005) in Toronto and will be in Vancouver in next few weeks.
They are just starting to set up distributors this month (Oct 2005) in Toronto and will be in Vancouver in next few weeks.
#44 Mr. Know It All
Posted 18 October 2005 - 12:32 PM
Prepaid Credit Card? Isn't that a contracdiction in terms?
#45 jenf
Posted 18 October 2005 - 01:07 PM
I have a prepaid Visa from overseas -- I LOVE it...It's perfect for people like me who don't quite realize how much they spend. At least this way it keeps me somewhat in control! 
My little sister's first card came in the mail not that long ago -- a Canadian Tire Options MasterCard. I'm assuming the interest is atrocious, but as long as you're employed, you're pretty much approved.
It's not like you'd keep it long, anyways -- use it every now and then (and pay it off right away), then apply elsewhere.
My little sister's first card came in the mail not that long ago -- a Canadian Tire Options MasterCard. I'm assuming the interest is atrocious, but as long as you're employed, you're pretty much approved.
It's not like you'd keep it long, anyways -- use it every now and then (and pay it off right away), then apply elsewhere.
#46 dummy
Posted 18 October 2005 - 02:40 PM
jenf and your point being ??????????????????
#47 jaykay75
Posted 20 October 2005 - 10:42 AM
bingo and crew - i was in a money mart recently and they are launching a prepaid MasterCard around christmas - they told me guaranteed approval with no credit check or bank account required. i tried mycard - it takes 5 days to load your money and it's $40 - i have a money mart debit card and it's awesome - i'll be first in line for the prepaid MasterCard....
#48 Freerider120
Posted 20 October 2005 - 04:16 PM
Do you guys have any other info on other prepaid MC's comin out for canada. I want one noWWW!!!
#49 stevie
Posted 20 October 2005 - 05:14 PM
before you guys apply for credit cards..have you guys seen your own credit bureau file...you can get it free if you mail for it. http://www.equifax.com/EFX_Canada/ here's the website.. check out the consumer information centre then frequently asked questions..there's lots of good info there. Also if you do get a credit card...make sure you pay in full (even if the balance is small) by the due date when you get the bill or not. It's the responsibility of the consumer to make sure they make the payment on time. use the credit card as a replacement of cash..not as a fast loan!!! If you default on it the credit history will be there for 6 yrs, so dont miss any payments....also if you get one credit card ie:visa or m/c dont get anymore till you've used it for a year so you build your credit history, the more credit cards you have the lower the risk/beacon score.
PS..keep your balances low so you can manage it better
#50 AL
Posted 20 October 2005 - 05:20 PM
#51 ProjectoR
Posted 20 October 2005 - 05:22 PM
hows that thing goin for you al?
im sorry you brought it to yourself man.............ill tell your mother you died saving a young child from a vicious friut fly
im sorry you brought it to yourself man.............ill tell your mother you died saving a young child from a vicious friut fly
#52 Dv8
Posted 01 November 2005 - 10:19 PM
www.mycard.ca rocks...I have a MasterCard now and no credit checks no bs. Its your answer.
#53 md
Posted 01 November 2005 - 11:41 PM
I too have been looking at www.mycard.ca How long did it take you to get your card? Was the activation process as easy as they say on their website?
#54 Buzzm
Posted 02 November 2005 - 12:42 AM
When applying for prepaid CC at Van City - if you've had a bankruptcy in last 7 years -ask them upfront what deposit will be needed. Had talked to them on phone, asked all the questions I could think of - made an appointment with loan officeer - went there, filled out the application form - she asked mose questions, on & on - then I told her had a bankruptcy a few years ago, which is why my credit rating is poor.
Then she tells me - "oh, if you have a bankruptcy, you have to put DOUBLE the deposit, before we can give you a credit card ! "
Was really pissed that that wasn't mentioned before I went through all that.
They are a great institution, no worries, but this particular person just didn't disclose all the requirements.
Then she tells me - "oh, if you have a bankruptcy, you have to put DOUBLE the deposit, before we can give you a credit card ! "
Was really pissed that that wasn't mentioned before I went through all that.
They are a great institution, no worries, but this particular person just didn't disclose all the requirements.
#55 MC
Posted 02 November 2005 - 01:04 AM
#56 Dv8
Posted 02 November 2005 - 05:34 AM
Real easy...and I got my card in 8 days. I just loaded $100 on it and bid on a Espresso machine on E-bay to spend it on..lol
#57 jaykay75
Posted 02 November 2005 - 11:04 AM
i tried mycard - takes a few days to get access to the money you load and finding somewhere to load was tough...it wasn't practical so i stopped using it....
#58 Edge
Posted 03 November 2005 - 01:01 AM
Gain the Edge with a Prepayedge Prepaid MasterCard® card, an ideal prepaid card for secure Internet Shopping, travelling, school spending and gift giving just to name a few.
The Prepayedge MasterCard® card is a prepaid card that gives you and your loved ones, safe, efficient, and convenient payment anywhere worldwide where MasterCard® is accepted. Fully reuseable and easily reloaded, no credit check or bank account required and low cost fees.
To order your own Prepayedge MasterCard® card Please visit our website at www.tns-prepaid.net or call 1-888-236-4354 ext 229 for more information.
The Prepayedge MasterCard® card is a prepaid card that gives you and your loved ones, safe, efficient, and convenient payment anywhere worldwide where MasterCard® is accepted. Fully reuseable and easily reloaded, no credit check or bank account required and low cost fees.
To order your own Prepayedge MasterCard® card Please visit our website at www.tns-prepaid.net or call 1-888-236-4354 ext 229 for more information.
#59 troy
Posted 03 November 2005 - 09:24 PM
All prepaid cards are a scam.i applied for a gift card for my daughter from harvest capitol
and got taken for $150 .No problem,should have did some research.
Paid $40 for a MyCard Mastercard with my American Express card, applied on line with my receipt .MyCard emailed back days later requesting explicit identification,passport,paystub etc ,disclaimer on bottom reads,if no reply is made in 21 days blah bblah .Faxed pay stub,days later received email from MyCard need further proof.Now ,I am having fun.Birth Certificate? needs to be the original,this will take 60 days so bye bye before the 21 day expire limit after application.
Four weeks later and unable to meet the identification criteria,short of providing my S.I.N number,no luck.I owe and live in the same house for 16 years,payed income tax for 23 years,establihed near perfect credit for over 20 years,payed off numerous car loans on time,respected my lines of credit,yet cant get a MyCard.
and got taken for $150 .No problem,should have did some research.
Paid $40 for a MyCard Mastercard with my American Express card, applied on line with my receipt .MyCard emailed back days later requesting explicit identification,passport,paystub etc ,disclaimer on bottom reads,if no reply is made in 21 days blah bblah .Faxed pay stub,days later received email from MyCard need further proof.Now ,I am having fun.Birth Certificate? needs to be the original,this will take 60 days so bye bye before the 21 day expire limit after application.
Four weeks later and unable to meet the identification criteria,short of providing my S.I.N number,no luck.I owe and live in the same house for 16 years,payed income tax for 23 years,establihed near perfect credit for over 20 years,payed off numerous car loans on time,respected my lines of credit,yet cant get a MyCard.
#60 Edge
Posted 03 November 2005 - 11:54 PM
Hi Troy,
Sorry to hear that, I dont' know much about MyCard but I do know that the Prepayedge Prepaid MasterCard card is deffinately not a scam. I have one and I didn't have to provide any sort of identification at all, I also know of quite of other people that have the same card and they all say it fantastic. I went to www.tns-prepaid.net and I downloaded an application and sent it in and got my card 10 business days later. If you don't have access to the internet you could always call them and they will fax or mail you an application to send in with a money order if you have any questions please call 1-888-236-4354 ext 229 and they will be glad to talk with you.
Sorry to hear that, I dont' know much about MyCard but I do know that the Prepayedge Prepaid MasterCard card is deffinately not a scam. I have one and I didn't have to provide any sort of identification at all, I also know of quite of other people that have the same card and they all say it fantastic. I went to www.tns-prepaid.net and I downloaded an application and sent it in and got my card 10 business days later. If you don't have access to the internet you could always call them and they will fax or mail you an application to send in with a money order if you have any questions please call 1-888-236-4354 ext 229 and they will be glad to talk with you.
#61 meow
Posted 04 November 2005 - 01:09 PM
I've been trying to get a credit card for awhile and now it's giving me stress...
after I found out about prepaid cc, I've been doing some research about it and now I totally gave up on getting cc.
prepaid cc has so many fees to pay on every action you do on card.
also, not many prepaid cc are available in Canada yet..
most of them on internet are US sites..
and I don't have extra $1000 cash around for deposit to get cc from bank.
aaahhhh... I guess I'll just have to wait another a few years til I get raise at work or prepaid fees go down... /sniff ....
after I found out about prepaid cc, I've been doing some research about it and now I totally gave up on getting cc.
prepaid cc has so many fees to pay on every action you do on card.
also, not many prepaid cc are available in Canada yet..
most of them on internet are US sites..
and I don't have extra $1000 cash around for deposit to get cc from bank.
aaahhhh... I guess I'll just have to wait another a few years til I get raise at work or prepaid fees go down... /sniff ....
#62 Butch
Posted 07 November 2005 - 04:06 AM
I got a Mastercard from my local store...It was one of those MyCards and the aplication was easy..they dont ask for any other details other then birth date and address to send the card to. Not sure why it could be a scam...I think its a great way to get a credit card.
#63 meow
Posted 07 November 2005 - 11:28 AM
Question; does prepaid credit card help to build credit so I can get real one later?
#66 freerider_120
Posted 09 November 2005 - 09:18 AM
the paypal one is just coming out in canada, it is free.
#67 meow
Posted 10 November 2005 - 11:52 AM
Paypal credit card?
what do u mean by free? no credit check or deposit?
it'd be awesome if there's no credit check or deposit... or lots of fees..
#68 Me
Posted 11 November 2005 - 12:49 AM
Why not get a secureed credit card from your local credit union? They are the really easy to get approved for. Or is yoru looking for like a credit card "gift card" american express has them.
http://www.creditfamily.com
Free Credit Report / Credit Repair do it yourself