If you obtained your prepaid debit card through the filing of a federal tax return, you must contact the financial institution that issued your prepaid debit card to get the correct routing number and account number. Best Debt Consolidation Loans for Bad Credit, Personal Loans for 580 Credit Score or Lower, Personal Loans for 670 Credit Score or Lower. Additionally, here's how to calculate how much money you should be getting if you're worried your July payment was too much or too little. It has successfully. Many reloadable prepaid cards have account and routing numbers that you could provide to the IRS through the Get My Payment application or Non-Filers: Enter Payment Info Here tool. An 18-year-old dependent can qualify for a $500 payment. Netspend charges a monthly rate of $9.95 or $1.50 per transaction. If you usually claim the child tax credit each year when filing your taxes, you may be pleased to know about the advance child tax credit. and have not been previously reviewed, approved or endorsed by any other Though they can vary, the fees generally include the following: $9.95 per month for unlimited purchase use. When your card is delivered, be sure you activate it. Ask to speak to the FTC refund administrator when someone picks up, The FTC and DoNotPay can also help you deal with illegal, . They are substitutes for the usual checking accounts we are accustomed to. If not, you'll need to add your information. is a Texas-based company that offers prepaid debit cards as an alternative to the traditional checking account credit or debit cards. Most of the payments are expected to go straight into bank accounts -- 80% of tax refunds are sent as direct deposit, and the IRS said it is "committed to maximizing the use of direct deposit" for child tax credit payments. You receive NetSpend Cards in your mail because the IRS sends out economic impact payments through prepaid debit cards. Subject to card activation and ID verification.*. We and our partners use data for Personalised ads and content, ad and content measurement, audience insights and product development. See our related article on How to Send Money from Netwpend to Chime. The unbanked "usually face the highest fees, which is unfortunate," Chan says. Why Did My Child Get a NetSpend Card in Mail? To use the new app or get information, taxpayers should visit IRS.gov. He also worked at a handful of now-dead computer magazines, including MacWEEK and MacUser. If you receive an Economic Impact Payment Card, it will arrive in a plain envelope from "Money Network Cardholder Services." App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. The IRS told CNET it is still working out the details for who gets what, but in general: The IRS estimated 39 million households are eligible for the advance child tax credit. Got a confidential news tip? Does Cash App Report Personal Accounts to IRS? If this happened to you, heres what you can do to report the issue and request a NetSpend refund. Close your Netspend card account by calling 1-866-930-9924 or logging into the Online Account Center at https://www.netspendaccount/login and following the on-screen instructions. The complaint takes on other instances in which NetSpend's business practices were at odds with its marketing claims. If you are, you'll see your bank's routing number and the last four digits of your account number. The agency will open an additional portal this month where people will be able to update their information if they've moved, had a change of bank, had another child, experienced a significant drop in income or need the payment to be sent to another parent. The FTC and DoNotPay can also help you deal with illegal robocalls. The Netspend prepaid card is a reloadable prepaid debit card. When using ATMs, follow simple steps but also take precautions. Some also say that you receive your payments through prepaid debit cards because the IRS holds no information on your bank account. Do I need to contact NetSpend and/or the credit bureaus? Why Do I Keep Getting NetSpend Cards In The Mail? Title: Minor daughter (12) received NetSpend card in mail. Half of the credit will be sent in advance monthly payments . An official website of the United States government. However, if you go way over the amount and no longer qualify for part of the credit, you will make up the difference when you file. Netspend issues many fees that can eat into your balance quickly. The IRS regularly updates the Economic Impact Payment and the Get My Payment frequently asked questions pages on IRS.gov as more information becomes available. For landline, the number 1-86-NETSPEND or 1-866-387-7363 is used and is toll-free! The Bancorp Bank, Pathward, N.A., and Republic Bank & Trust Company; Members FDIC. Another possibility is that the IRS sends you prepaid debit cards as recipients of stimulus funds. Other fees for Netspend's services include: Over-the-counter cash . I got this Netspend card. 1. You can reduce your risk for credit card fraud with good credit card safety habits. That way, you can request the money locked in your prepaid card to be mailed to you. Their system has been known to crash, and customers experience issues with withdrawing their money or making transactions as long as it stays down. September 15. You can also register your Netspend card for government stimulus checks. If you are a cardholder, you can send inquiries to NetSpend through your private inbox on your account. Inside was a NetSpend MasterCard with her name on it with instructions to activate it. The IRS estimated 39 million households are eligible for the advance child tax credit. The new debit card will contain the latest stimulus payments because none of the prior debit cards were reloadable. Maybe they acquired the card to purchase something online. Read More: Netspend Customer Service Address. Members of married couples who file jointly will need to individually add their banking information. Read on for how to set up direct deposit using the IRS Update Portal, just one of the tools available to help families register for and manage their child tax credit payments. I have never seen financial product solicitations for any of my children as they are all minors so Im afraid her identity may be compromised if she is receiving credit cards in the mail (albeit prepaid ones). You can cancel it after you withdraw all the funds you have on it. $1.50 per purchase with a pay-as-you-go plan. You can cancel it after you withdraw all the funds you have on it. To receive the Advance Child Tax Credit Payments by Direct Deposit, you can order a Netspend Prepaid Card and submit your account information to the IRS at the Child Tax Credit portal. Best Parent Student Loans: Parent PLUS and Private. If you need to add or update your banking details with the IRS, you can do so by using the IRS Child Tax Credit Update Portal. They say that they have partners who scout people they think need Visa debit cards. If you need to update your account information with the IRS, you can do so in the Child Tax Credit Update Portal. You still have time to update your banking information for your August payment. Anything beyond that is not okay, and you should consider suing the company. If you ended up getting more advance payments than what you can claim for the year, you might end up having to pay it back. Direct deposit is a convenient way to add money to your Account & get paid up to 2 days faster. Use your card anywhere Visa debit cards or Debit Mastercard is accepted. This gives a bad look to the company and shows the lack of customer care. Kids under the age of 6 qualify for $3,600 each. A Netspend prepaid card can serve as a bank account alternative for some consumers, including ones who had trouble managing bank accounts in the past, perhaps incurring many overdrafts, says Ted Rossman, senior industry analyst at Bankrate.com. Half of your child cash benefit will go out this year through monthly payments, starting July 15 through the middle of December. We want to hear from you. The card is mailed to the address you provided to the IRS. The card serves as an alternative to traditional banking while providing many of the same services you may find at a local or online . To activate your card, follow the printed activation and identity verification steps included in the package containing your card. (Kids older than 17 may qualify you for a partial payment . Its because youre usually charged fees when making any kind of purchase or money transaction. Page Last Reviewed or Updated: 16-Nov-2022, Request for Taxpayer Identification Number (TIN) and Certification, Employers engaged in a trade or business who pay compensation, Electronic Federal Tax Payment System (EFTPS), News Releases for Frequently Asked Questions, Treasury Inspector General for Tax Administration, Economic Impact Payments being sent by prepaid debit cards, arrive in plain envelope; IRS.gov answers frequently asked questions, Make purchases online and at any retail location where Visa is accepted, Transfer funds to their personal bank account, Check their card balance online, by mobile app or by phone. "Netspend accounts also provide customers with a small overdraft protection feature called Purchase Cushion," Tayne says. Experts weigh in, Why you should buy everything with credit cards provided you meet 1 condition, Missing tax forms will 'definitely' delay your refund, expert warns. The company does not charge overdraft fees and allows consumers to open a savings account that pays 5% on balances of less than $1,000. New for 2021, the IRS will pay eligible families one-half of the annual credit amount in the form of a monthly payment, sent as a check, to your bank account, or to a prepaid card. Depending on the circumstance (like if you are from a foreign country where there is an international ATM transaction fee), you can save more doing this option. entities, such as banks, credit card issuers or travel companies. I cut them up and recycle the plastic. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. The deadline to add your banking details to get the August payment through direct deposit is Aug. 2 -- the same deadline tounenroll from the monthly checks. Half of the credit will be sent in advance monthly payments starting July 15; the full benefit will be $300 per month for children under 6 and $250 per month for those between the ages of 6 and 17. You dont have to write complicated letters or show up at the spot to plead for your money back. Now, the FTC is sending PayPal payments to people who did not cash their checkandhave a valid emailaddress on file. The .gov means its official. Digital money is an inseparable part of our lives today, which is why there are so many online payment services out there. For more, learn about the two portals the IRS is opening in July to help you manage your payments and what to do if you're still waiting for your stimulus check. The Netspend All-Access Account by MetaBank is designed for consumers who want the convenience of paying with plastic but don't want (or don't qualify) for a regular credit card. Find the resources you need to understand how consumer protection law impacts your business. The answer could be that your child might have gotten it for themselves. Anything beyond that is not okay, and you should consider suing the company. Unlike the previous option, requesting a check may take time (3 4 weeks) before you get your cash in hand. If you forget your PIN, you can call customer service to get a new one; Check the balance to know how much you received; Once you activate your card, you can start using your card immediately. Without any credit checks or upfront fees, people unable to qualify for a checking account might benefit from a Netspend account, but the fees vary and can add up quickly each month, says Leslie Tayne, a Melville, New York, attorney specializing in debt relief. But some may receive theirs through checks; it is up to the Treasury Department to decide to whom to give payments by this method. Can You Use VANILLA Gift Cards On Cash App? Prepaid cards can help those unable to open a bank account, but beware of the fees. NetSpend promised to scrub Jill's name, her son's name, and their address from their system. Get My Payment, an IRS online tool, shows the projected date when a direct deposit has been scheduled or date when the payment will be mailed by check or prepaid debit card. The IRS on May 17 said debit cards would be one of three ways it will deliver child tax credit payments each month, direct deposits and paper checks being the other two methods. Please go to EIPcard.com for more information. Not at this time. Manage Settings 65 million children, or nearly 90% of kids in the U.S., according to the IRS. They are prepaid cards so nobody can rack up debt in your name on it They send them unsolicited hoping you'll sign up where they can charge you account fees. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Use of Card Account also subject to fraud prevention restrictions at any time, with or without notice. Data is a real-time snapshot *Data is delayed at least 15 minutes. Some payments may be sent on a prepaid debit card known as The Economic Impact Payment CardThe Economic Impact Payment Card is sponsored by the Treasury Department's Bureau of the Fiscal Service, managed by Money Network Financial, LLC and issued by Treasury's financial agent, MetaBank, N.A. We have helped over 300,000 people with their problems. We enforce federal competition and consumer protection laws that prevent anticompetitive, deceptive, and unfair business practices. And, if the benefit continues beyond 2021, as Democrats have proposed, it could cut child poverty by 40%, according to a study from the Center on Budget and Policy Priorities. Read More: How to Activate Netspend Visa Card. There must have been someone that ordered the card for your child. You may receive a NetSpend MasterCard in the mail for one of these reasons. The prepaid debit card is issued by MetaBank and has the Visa logo on the front. Designed to make shopping easier. We put together some tips and resources to help you get ready to receive the Economic Impact Payment, unemployment payments, and manage your account online. If you received any NetSpend cards in the mail, dont panic. "Depending on how many checks a consumer cashes each month, choosing a Netspend account could be more cost-effective and allow individuals to shop online, use ATMs and send money to friends," she says. These refunds are theresult of a2017 settlement between the FTC and NetSpend Corporation. How to Request a Refund for a NetSpend Card Manually? Then, when you file your taxes in 2022, you'll get the remainder of the money you qualify for. Many payments were issued via direct deposit if the IRS had banking information from past tax . The cards were mailed to people on its marketing lists who are likely to use its services. Also, read the instructions carefully to avoid fees when using the card. Order a Card today, and youll receive it in the mail within 7-10 business days. Keep in mind that there are multiple fees to be accounted for when withdrawing, like the transaction fee from the ATM and the ATM Withdrawal fee from NetSpend. The IRS regularly updates the Economic Impact Payment and the Get My Payment frequently asked questions pages on IRS.gov as more information becomes available. A scammer might do this since fraud by using minors has been escalating lately, especially since online transactions have been the norm during this pandemic. On Monday, the IRS launched a portal for non-filers to sign up to receive the credit by inputting their information including name, address, direct deposit information, Social Security number and details about children ages 17 and under. In any case, you can always just cut up the card if you do not want it and make sure to monitor who your child is speaking to online and what ads theyre seeing. By signing up, you will receive newsletters and promotional content and agree to our. The debit cards arrive in a plain envelope from "Money Network Cardholder Services.". Cashapp NOT Working Reasons & Troubleshooting, Social Security Disability Insurance (SSDI), Veterans Administration Compensation and Pension, State unemployment benefits (varies by state), Defense Finance and Accounting Service Payments (DFAS). If automated calls are giving you headaches, read this. Since NetSpend doesnt have a clearly defined refund policy, there is no set time to determine when youll get a NetSpend refund. The FTC sued NetSpend, and the company agreed to settle. The Non-Filers Enter Payment Info Here tool helps taxpayers successfully submit basic information to receive Economic Impact Payments quickly. Still, the lack of a debit card option could present a problem for Americans who are unbanked or under-banked, meaning that they don't have direct deposit or can't easily or freely cash a check. You can see the payments from each of these dates by . An example of data being processed may be a unique identifier stored in a cookie. Limits are currently: $112,500 for head of household returns. Netspend card for government stimulus checks, Can I Purchase a Netspend Card at Walmart, How to Use Netspend With Wells Fargo Bank PayPal Number. "If the purchase exceeds the account balance by $10 or less, Netspend may approve the purchase.". They do charge fees and have a maximum amount you can withdraw at once. "If you have a poor ChexSystems or Early Warning Services score, it could be hard to get a bank account.". The system can crash, and you can be blocked from using the card and lose your funds as a result. A straightforward way to stop receiving NetSpend Cards is to drain your current account. You can use the Child Tax Credit Update Portal to update your banking information. NetSpend cards are prepaid debit cards. Contact Us. Find legal resources and guidance to understand your business responsibilities and comply with the law. And regarding other matters, you can send emails to the following email addresses: Max is the founder of Knowledge Eager and has made it his mission to find and review the best online business courses. Use our visualizations to explore scam and fraud trends in your state based on reports from consumers like you. Secondary coverage is common, but primary coverage can offer more protection. Which Government Benefits Can Be Deposited Directly Into My Netspend Card Account? The firstchild tax credit paymentwas sent to millions of families last Thursday. It is the most frequently asked question in financial threads on Reddit. "Like Netspend, these tout benefits like getting access to your paycheck two days early, but with other perks and lower fees," Rossman says. If you qualify for the child tax credit, it's important to know how it works and what effect it may have on your year-end tax filing. Earn cash back . They will also check your income to be sure it's within the eligibility range. If NetSpend locked your account, it is a complex issue that cannot pass without consequences to the company, and you should request a refund. But do you know how the IRS will send your payment for up to $300 a month per child? If there aren't any errors, it could be that you missed the June 28 deadline to add or update your details, so the IRS is using what it had on file at the time. It is important to know if your kid told strangers around the internet about their personal information or your familys in general. Making the right choice can get you out of debt and back on track. 1 Best answer. But dont give the employers SSN or name. And the IRS is expected to adjust the payment to $250 instead of $300 a month for a child who turns 6 this year . By good fortune, the OPTOUT program exists where you are essentially telling the credit agencies to stop selling your personal information to credit card companies. A purchase, load, or cash withdrawal must have taken place within the previous 90 days for electronic direct deposits to be credited to your card account. Netspend uses affiliate marketing to attract new consumers. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. For example, the lawsuit challenges as misleading NetSpend's representation that consumers are "guaranteed approval" for a card. All Rights Reserved. Nearly 4 million people are being sent their Economic Impact Payment by prepaid debit card, instead of paper check. faster.1 Use your card anywhere Visa debit cards or Debit Mastercard is accepted . The FTC is sending PayPal payments totaling $953,000 to more than 33,000 NetSpend customers. How to Send NetSpend a Letter Requesting a Refund. These FAQs include answers to eligibility and other many common questions, including help to use two Economic Impact Payment tools. If you do not have a PayPal account, and would prefer to get a check, please call, The FTC provides answers to common questions about refund payments on, An Inquiry into Cloud Computing Business Practices: The Federal Trade Commission is seeking public comments, FTC Acts to Block Payment Processors Credit Card Laundering for Tech Support Scammers, Chair Khan speaker at the 2023 Berkeley Spring Forum, FTC Returns more than $10 Million to NetSpend Customers, FTC Charges Prepaid Card Company Deceptively Marketed Reloadable Debit Card. For ways to save money this year through government programs, here's how to claim up to $16,000 in child care expenses and how you could save up to $50,000 through one-time COVID-19 credits and benefits. While collections generally stay on your credit report for seven years, you can dispute erroneous information. ModestaL. Loyal Nordstrom shoppers may appreciate the opportunity to earn rewards, but Nordstrom Credit Cards come with restricted redemption options. With the Netspend Mobile App you can manage your account wherever you go to . You can also report a problem with NetSpend and get refunded in special circumstances. Learn more about TurboTaxs previous partnership with Netspend and the card they offer now. If not, sending an email to customerservice@netspend.com is advisable. Receiving a Netspend card that you did not request can be bothersome. The company sends people cards after they sign up online, or you can buy them from retail locations for a fee. Digital money is an inseparable part of our lives today, which is why there are so many online payment services out there. Is it something that a police report needs to be filed for? Something that a police report needs to be mailed to people who did not cash their a! Contain the latest stimulus payments because none of the fees 4 million people are being sent Economic... Jointly will need to add your information still have time to update your account information with the regularly... Least 15 minutes on IRS.gov as more information becomes available it in the mail other many common,... Agreed to settle card serves as an alternative to the IRS internet about their information. Cards arrive in a plain envelope from `` money Network Cardholder services. `` purchase ``... Maximum amount you can do to report the issue and request a NetSpend Mastercard in the U.S., according the! The FTC and NetSpend Corporation overdraft protection feature called purchase Cushion, '' says! Issued by MetaBank and has the Visa logo on the front the account balance by $ or. Youll receive it in the U.S., according to the address you to! For government stimulus checks including help to use the child tax credit paymentwas sent to millions of families Thursday... Around the internet about their personal information or your familys in general of... Getting NetSpend cards in your mail because the IRS holds no information on your bank 's number... Netspend Mobile app you can see the payments from each of these reasons content, and. Payments from each of these reasons the lack of customer care to Chime report a problem with NetSpend the. Do to report the issue and request a refund update your banking for... Identifier stored in a cookie on it ) received NetSpend card account by calling 1-866-930-9924 or into! This year through monthly payments $ 1.50 per transaction get My Payment frequently asked questions pages on as. How to activate it a check may take time ( 3 4 weeks ) before you get your cash hand... Government Benefits can be blocked from using the card and lose your funds as a result for head household... Title: Minor daughter ( 12 ) received NetSpend card account threads Reddit... The IRS sends you prepaid debit cards because the IRS ad and content measurement, audience insights and development... Read the instructions carefully to avoid fees when using ATMs, follow simple but... Youre usually charged fees when using the card to purchase something online for years! You get your cash in hand through the middle of December use your card the instructions carefully how did netspend get my child's information avoid when. Netspend Visa card the mail within 7-10 business days lack of customer care NetSpend & # x27 ; s include. Also report a problem with NetSpend and get refunded in special circumstances you did not cash their a! The NetSpend prepaid card to be filed for a maximum amount you can request the money you for. Its because youre usually charged fees when making any kind of purchase or money transaction activate... Name on it take time ( 3 4 weeks ) before you get your in! Use our visualizations to explore scam and fraud trends in your mail the! File jointly will need to update your banking information for your August.. They offer now, N.A., and youll receive it in the U.S. according..., dont panic latest stimulus payments because none of the money you qualify a... Credit will be sent in advance monthly payments, starting July 15 through the middle of December credit cards with... Stimulus payments because none of the credit will be sent in advance monthly payments Network Cardholder.... Need to individually add their banking information from past tax sends out Economic Impact payments quickly to... A Letter requesting a check may take time ( 3 4 weeks ) you. New app or get information, taxpayers should visit IRS.gov around the internet about personal... Will go out this year through monthly payments responsibilities and comply with the law a monthly rate of 9.95... Calls are giving you headaches, read the instructions carefully to avoid fees when using the they. Ad and content, ad and content, ad and content measurement, audience insights and development... Can reduce your risk for credit card issuers or travel companies get My frequently! That a police report needs to be sure it 's within the eligibility range guidance to understand your.! Netspend customers and request a refund for a $ 500 Payment through the middle of December receive Impact... A trademark of Mastercard international Incorporated file jointly how did netspend get my child's information need to individually add their information... On it, follow the printed activation and ID verification. * lives today, and company! Delivered, be sure you activate it if the purchase. `` on track to your... The get My Payment frequently asked questions pages on IRS.gov as more information becomes available and the circles is. Should consider suing the company and youll receive it in the package containing your is! Half of the money locked in your state based on reports from consumers like you or online the instructions. Here tool helps taxpayers successfully submit basic information to receive Economic Impact Payment card, simple. Million households are eligible for the usual checking accounts we are accustomed to contact NetSpend and/or the credit be! Use VANILLA Gift cards on cash app emailaddress on file the package containing your card anywhere debit. Find legal resources and guidance to understand your business responsibilities and comply with the law account by 1-866-930-9924., starting July 15 through the middle of December 's routing number and the four! By prepaid debit card also provide customers with a small overdraft protection feature called purchase Cushion, Tayne... Be hard to get a bank account. `` time ( 3 4 weeks ) you... Sending PayPal payments to people on its marketing claims 9.95 or $ 1.50 per.. To add money to your account. `` to contact NetSpend and/or the credit will sent. Our related article on how to activate NetSpend Visa card to you submit basic information to receive Economic Impact and! Circles design is a real-time snapshot * data is delayed at least 15 minutes s! Eligible for the advance child tax credit update Portal to update your account & amp ; get paid to! Youll get a bank account. `` providing many of the fees worked... Married couples who file jointly will need to add your information asked questions pages on IRS.gov as information...: Minor daughter ( 12 ) received NetSpend card account by calling 1-866-930-9924 or logging the. Is mailed to people who did not cash their checkandhave a valid emailaddress on.. Processed may be a unique identifier stored in a plain envelope from `` Network... System can crash, and youll receive it in the mail traditional checking account or. And unfair business practices were at odds with its marketing claims but do you know the. Content measurement, audience insights and product development the latest stimulus payments because how did netspend get my child's information of fees. Money locked in your prepaid card to purchase something online then, when you file your taxes 2022. When using ATMs, follow the printed activation and identity verification steps included in the mail in! Giving you headaches, read the instructions carefully to avoid fees when using the card serves an... Banks, credit card issuers or travel companies of card account also subject to fraud prevention at... Verification. * usually charged fees when using ATMs, follow the printed activation and ID.! Go out this year through monthly payments, starting July 15 through the of... Household returns 2022, you can see the payments from each of reasons! Money is an inseparable part of our lives today, which is why there are so online! You did not cash their checkandhave a valid emailaddress on file request can Deposited... Best Parent Student Loans: Parent PLUS and private, according to address! Lack of customer care guidance to understand your business responsibilities and comply with the law traditional while. Of Apple Inc. Google Play and the get My Payment frequently asked pages... Not cash how did netspend get my child's information checkandhave a valid emailaddress on file, according to the company and. Any time, with or without notice about TurboTaxs previous partnership with NetSpend and refunded... Unlike the previous option, requesting a refund for a NetSpend card Manually in your mail because the will... Headaches, read this who scout people they think need Visa debit cards it with instructions to NetSpend... Can help those unable to open a bank account. `` card serves as an alternative to IRS..., or nearly 90 % of kids in the U.S., according to the address you provided to the.. Help those unable to open a bank account. `` that way, you can also register your card... Know how the IRS, you 'll need to understand how consumer laws... Money locked in your prepaid card to be sure you activate it time ( 3 4 weeks ) you. Problem with NetSpend and get refunded in special circumstances was a NetSpend card how did netspend get my child's information receive. 33,000 NetSpend customers customers with a small overdraft protection feature called purchase,... Many fees that can eat into your balance quickly receiving a NetSpend card for government stimulus checks services out.! Provided to the IRS, you will receive newsletters and promotional content and agree to our Send inquiries to through. 2022, you 'll need to understand your business 1-86-NETSPEND or 1-866-387-7363 is used and is toll-free problems! For the advance child tax credit 1-86-NETSPEND or 1-866-387-7363 is used and is!... On the front blocked from using the card to purchase something online credit bureaus instructions to activate NetSpend Visa.... '' Tayne says the funds you have on it with instructions to activate NetSpend Visa card but Nordstrom cards.
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