Your prepaid card may be used to rent a car, but because a rental car is an "open end" transaction (see open end transactions in this FAQ section) your card will require a much higher available balance than the actual cost of the rental car. How much more will depend on where you rent the car, but our recommendation is that you have at least an extra US$250. For example, if the cost of your rental car is US$100, you should have at least US$350 on your card in order for the transaction to be approved. Furthermore, these funds will be held until the car is returned and the transaction is posted to your statement-meaning that you may not have access to these funds for perhaps as long as 90 days. For this reason, we do not recommend using your card to pay for rental car transactions unless you are planning to have the car for a very short period of time and you won't need to use the extra money on your card for a couple months. To avoid problems when you rent, our advice is to first call the rental car company and ask them what their policy is regarding the use of prepaid cards and debit cards.

Your new Compass Prepaid MasterCard will arrive within seven to twelve days after we receive the funds necessary to process your Card. Your PIN number (the personal identification number you use at ATM machines) will arrive at your home via first class U.S. Mail three to four days after your Card. If you haven't received your Card or PIN within this amount of time, please call customer service immediately at 1-649 941-5191 or by email at compass@hbtl.tc

Yes. You may request rush delivery when you first request your new account. When you select this option, your new Card will be sent via overnight courier the next business day after your Card is processed. You will be responsible for courier costs of minimum US$50.00 for rush delivery of the card and minimum US$50.00 for rush delivery of the PIN.

You must be 18 to get a Compass Prepaid MasterCard. However, anyone at any age can use this Compass Prepaid MasterCard if so authorized by the cardholder. Your Card may not be accepted at certain merchants not legal for minors such as Internet gambling sites.

Yes.

No. This Card is not a credit card. It is prepaid. Because no credit is granted and no payments are required, this Card does not build credit history.

No. The cardholder's name will be embossed on the Card and the cardholder's personal information will be kept on record. We are committed to your financial security. Personal information provided by the cardholder during account set up will be verified.

This option is not available. Each cardholder must apply separately for a Compass Prepaid MasterCard.

Yes. You will receive your four digit PIN (personal identification number) within three to four days after receiving your Compass Prepaid MasterCard in the mail. At that time, you can use that PIN to access ATMs. ATM transaction fees apply. You may also use your Card to obtain cash at banks and other non-ATM teller services without a PIN number using only your Compass MasterCard and a valid form of ID.

You may check your balance online 24/7 on www.compassmastercard.tc or, you may call customer service at 1-649 941-5191 during our business hours of 8:30 a.m. - 5:00 p.m. EST Monday to Friday.

You may check your transaction history online 24/7 on www.compassmastercard.tc or, you may call customer service at 1-649 941 5191 during our business hours.

No. However the Issuer reserves the right to impose limits upon notification.

No. But, sometimes a merchant will make a mistake and accept your Card even though you didn't have enough money on it. Should this happen, you are responsible for this payment and an overdraft penalty fee will be assessed. Please refer to the Cardholder Agreement for more information.

You should treat your Card as if it were cash. Guard the account number the same way you would cash or any credit card. If you lose your card, believe it to be stolen or that it is being used without your permission, you must immediately contact us at 1-649 941-5191 or email us at compass@hbtl.tc or report the lost or stolen card on our website or to the local office of MasterCard Worldwide. We will cancel your old Card, transfer the remaining balance to a new Card and then mail it out to you at the address on file.

Internet and store merchants credit your returns back to your Compass Prepaid MasterCard as they would any other MasterCard purchase.

Your card can be reloaded as many times as you wish until it has expired. See "Loading Value to Your Card" for more information. If you throw it away, make sure you destroy the card completely before discarding. Should someone find the card in the trash and use it for fraudulent transactions, you could become a victim of identity theft or financial fraud.

You may request a liquidation of your account by calling customer service at 1-649-941-5191. There is a 6 month holding period on closed accounts for any outstanding transactions that may process. A $5.00 per month dormancy fee may apply.

No.

Many website and phone merchants will do what's called "a dollar authorization." This means that they check to see that your account is valid by holding $1.00 until they ship your merchandise at which time they'll charge the full amount.

Many website and phone merchants will do what's called "batch authorizations." This means that they will take a bunch of orders over a period of time and then submit them all at once for authorization from the credit card issuers at some later time. So, when your Card is approved at that time, then you'll see your balance decline by the purchase amount.

Many website and phone merchants will do what's called "batch authorizations." This means that they will take a bunch of orders over a period of time and then submit them all at once for authorization at some later time. So, at first, they tell everyone that their Card was approved. But, then when they submitted your Card for approval later, they found out that it was declined.

The reason is that most websites only charge your account when the merchandise is shipped, not when it is ordered. So, let's say you bought something that was out of stock. The merchant may not charge your account until they ship your merchandise a few days (or weeks) later.

Some merchants or credit card companies will "authorize" or "hold" more money than the actual final purchase price. When they do this, your available balance will decrease by the "authorized amount" until the merchant posts the final transaction amount to your statement for the correct amount. This doesn't mean the money is gone, it simply means the money is being held until the purchase is complete. (See "open end transactions" in this FAQ section) In general, these "holds" will drop from your account after the final purchase has been posted to your statement. However, if this isn't the case, or if when you check your statement you see that you were actually charged more money than you were supposed to, please call customer service at 1-649 941 5191 or contact us by email at compass@hbtl.tc and we will investigate the error at no charge.