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FAQsCard Features Find out how to use your Gap Year cashplus prepaid MasterCard® and why the Gap Year cashplus card is different from a credit card.
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How is the Gap Year cashplus prepaid MasterCard different from a credit card? The Gap Year cashplus card is not a credit card - so there is no credit check, even if you have poor credit history you can still get a card. When you use your Gap Year cashplus card, you are spending money you have already topped up into your Gap Year cashplus account, meaning all your purchases are prepaid. The Gap Year cashplus card is a payment card that works like a pay as you go phone - you need to put money on to it before you can use it. When you use a debit card, you are using money linked to a bank account and when you use a credit card you buy now and pay later. With Gap Year cashplus you only spend the money you have in your account. Where can I use my Gap Year cashplus prepaid MasterCard card? You can use your Gap Year cashplus card at 25 million locations and over one million ATM locations worldwide, wherever the MasterCard acceptance mark is displayed. Can I get a Gap Year cashplus card if I have any County Court Judgments? Yes - there's no credit check required for a Gap Year cashplus card. Poor credit history does not affect your chances, the card is prepaid, so you are spending the money in your account. How much does the Gap Year cashplus prepaid MasterCard cost? There is an issue fee of of £9.95. Please note that this is an introductory offer, and the standard issue fee is £19.95. To receive this offer you must sign up and pay for your card by October 31st 2007. Other card usage fees apply and these are clearly detailed in the Fees Summary section of your Gap Year cashplus card terms and conditions. Is my cash secure? Yes. Your Gap Year cashplus card is Chip and PIN protected for added security. You will receive a Personal Identification Number (PIN) which you use with your Gap Year cashplus card to get cash from any ATM displaying the MasterCard acceptance mark or use it at merchants. For your peace of mind, your money is held safely at Broadcastle Bank or AFL Financial Ltd. If you lose your card, your card, funds and PIN will be replaced in accordance with the terms and conditions. |
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The Gap Year prepaid MasterCard is issued by Broadcastle Bank Ltd (BBL) or APS Financial Ltd (AFL) pursuant to license by MasterCard International Incorporated. BBL and AFL are authorised and regulated by the Financial Services Authority. (www.fsa.gov.uk/register). Registered in England no. 0542018 and 06029941 respectively.
Your card will be serviced by Advanced Payment Solutions Ltd (APS) which is a registered agent of BBL and AFL for this purpose. Registered in England no. 04947027. cashplus is a registered trademark of APS. The Post Office® and Post Office symbol are registered trademarks of Post Office Ltd.
Please note: all deals and discounts are arranged for you by The Gap Year Company Ltd. Broadcastle Bank Ltd, APS Financial Ltd (the card issuers), MasterCard® and Advanced Payment Solutions Ltd (the card servicer) are not responsible for any of these deals and discounts.