FAQs (Questions You Frequently Asked)

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Are you a Parent looking for more information? Check out the Parental FAQ.


About the MuchMusic Prepaid MasterCard® Card

Getting Started

Using the Much Card

ABOUT THE MUCHMUSIC PREPAID MasterCard®

What is the MuchMusic Prepaid MasterCard®?

The MuchMusic Prepaid MasterCard® Card is a prepaid, stored value and reloadable payment card that makes everyday purchases easy, convenient and secure. Your MuchMusic Prepaid MasterCard® can be used everywhere MasterCard® cards are accepted - that's over 24 million locations worldwide. Purchases you make, and any applicable transaction charges, are deducted from the value stored on your card account.

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What is my spending limit on the MuchMusic Prepaid MasterCard®?

You set the spending limits by the prepaid amount of funds loaded onto your MuchMusic Prepaid MasterCard®.

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What is the difference between a prepaid card and a credit card?

The MuchMusic Prepaid MasterCard® looks similar to a MasterCard® credit card - both have the MasterCard® trademark and hologram and merchants will accept it like any other MasterCard® Card. The difference is that MuchMusic Prepaid MasterCard® Cardholders don't have a line of credit. The MuchMusic Prepaid MasterCard® is only able to access the prepaid amount of money you put on the card.

You will also notice that your Much Card is "un-embossed" which means that the numbers are printed onto the surface of the Card rather than the raised numbers on a traditional credit card - this is because a Prepaid Card cannot be used in an old-fashioned imprint machine at stores.

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What are the benefits of the MuchMusic Prepaid MasterCard®?

The MuchMusic Prepaid MasterCard® frees you from the hassle and safety issues of using cash. With the MuchMusic Prepaid MasterCard®, you can buy what you want, when you want, without the worry of having enough cash on hand or scrambling for change. Because it's a prepaid Card, the MuchMusic Prepaid MasterCard® is also an excellent budgeting tool. It's not a credit card, so you don't have to worry about getting carried away with your spending. Since it's reloadable, you can keep using the card over and over again. The MuchMusic Prepaid MasterCard® is a simpler, quicker, more secure way to pay.

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Where can I use the MuchMusic Prepaid MasterCard®?

You may use your MuchMusic Prepaid MasterCard® in the traditional manner (i.e. swiping the magnetic stripe) anywhere that MasterCard® cards are accepted worldwide. You can also enjoy making online purchases using your MuchMusic Prepaid MasterCard® and feel more secure in doing so than with a traditional card because the MuchMusic Prepaid MasterCard® is not tied to your bank accounts.

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GETTING STARTED

How can I get the MuchMusic Prepaid MasterCard®?

It is easy to get your own Much Card:

Anyone 16 and over can get their own personalized MuchMusic Prepaid MasterCard® provided they pass our mandatory identity check and are able to pay for the card.

Teens 13-15 can get the MuchMusic Prepaid MasterCard if a parent or guardian buys the Card and takes financial responsibility for the Card. This situation is called a "Sponsored Card". The adult is the primary account holder, must pass the mandatory identity check and has control of the account.

Anyone interested in the MuchMusic Prepaid MasterCard should simply go to the Homepage and choose YOU Enter Here (ages 13+) or PARENTS Enter Here (to get your kid a Card) and follow the prompts to buy the card.

Once you've filled in your personal information, you'll be required to pay for the Card using a valid credit card or by using your bank debit card through the Interac Online service.

If you are 16 or over, and do not wish to have your own Card, or are unable to provide the identification required to prove your identity, a parent or legal guardian may still become an Account Holder for a Card personalized in your name.

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Do I have to qualify for the MuchMusic Prepaid MasterCard®?

Since there is no credit involved in the card, you will be approved - provided that you are over 16 years of age, meet certain identity verification requirements* and are able to purchase the Card online. Your MuchMusic Prepaid MasterCard® only has access to funds you have transferred onto it so you simply can't spend more than you have in your account.

Teens 13- 15 can get the MuchMusic Prepaid MasterCard if a parent or guardian buys the card and takes financial responsibility for the Card. This is called a "Sponsored Card". The adult is the primary account holder and must pass the mandatory identity check but has control of the account. The card is personalized with the teen's name on it.

*Prior to the issuance of the MuchMusic Prepaid MasterCard card ("Card"), our partner, Mint Capital Corp. ("Mint") will validate the identity of the Card applicants with credit reporting agencies, such as TransUnion or Equifax. Such identity validation process does not constitute a credit check as it does not allow Mint to access the Card applicant's personal credit history or other personal information not required for identity validation. Moreover, Mint's identity validation process will not impact the Card applicant's credit reporting score or be visible to other creditors. Mint's identity validation process is made visible only to the Card applicant if the Card applicant requests a copy of his or her personal credit report form the credit reporting agency.

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I already have a MasterCard®, can the MuchMusic Prepaid MasterCard® be added to a MasterCard® account that's already open?

Since the MuchMusic Prepaid MasterCard® is a prepaid Card and not a credit card; it cannot be added to an existing MasterCard® account. In fact, you don't even need to be a MasterCard® Cardholder in order to get the MuchMusic Prepaid MasterCard®.

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I plan to pay for my MuchMusic Prepaid MasterCard® with a MasterCard® credit card why does my name and address have to match the name on my application exactly?

When purchasing with a MasterCard® credit card, the name and address that you provide in your card payment information must exactly match the name on your Prepaid Card application. This precaution is a fraud prevention method used for the protection of MasterCard® Cardholders.

What this precaution really means is that if you are a young adult age 16 + planning to purchase using your parent's MasterCard® credit card, you will be declined. In this case, we recommend that you have your parent take responsibility for the Card and purchase it for you or that you purchase it yourself using another one of the accepted payment options.

If the information that you entered in the application does exactly match your MasterCard® information and your purchase is still declined, there may be a discrepancy in your credit profile or your bank may elect not to share your credit profile with the agency Mint uses to verify the validity of your MasterCard® credit card. In this rare case, we apologize for the inconvenience and suggest that you chose another method of payment.

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Can more than one individual be on the same MuchMusic Prepaid MasterCard® account?

Each individual is required to have a separate MuchMusic Prepaid MasterCard® Card with its own unique card number. However our parental / adult consent process does allow an adult to take legal responsibility for someone else who may wish to have a personalized Card but cannot otherwise pass the identity or age requirements themselves. In this case, which is called a "Sponsored Card", the adult maintains control of the account and the teen carries a card personalized with his or her name on it.

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I got a reference number when purchasing my Card - what do I do with it?

You can click on the "CHECK STATUS" link on the top navigation bar of each page of this website (www.MuchMusicCard.com). Once you've entered your Reference Number and Postal Code you can check the status of your application. If more ID was required to approve your application, Much Card Services will use the Reference Number to find your application when you send in the requested information. In this case, you should quote your Reference Number in the subject line of your e-mail to Applications@MuchCardServices.com.

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I have been asked to confirm my identity. Where do I fax or email identification documents?

In order to complete your application for the MuchMusic Prepaid MasterCard®, we must confirm your identity. We just need to know that you are who you say you are but don't worry, it's an easy process. You will have ten days to email or fax us scanned copies of at least two pieces of ID - a photo/birth date document and a current address document. Fax or email copies of your ID documents with your Manual Check List Submission Form to:

 

FAX: 1-866-273-5452

EMAIL: MuchMusic@directcash.net

 

***Please DO NOT fax ID documents to MuchMusic as we will not receive them!

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I just received my MuchMusic Prepaid MasterCard® Card in the mail. What do I do now?

In order to begin using your MuchMusic Prepaid MasterCard® Card, you must login in to www.MuchMusicCard.com with the user name and password sent to you via the email address you provide us with. If you do not receive your new user name and password or have difficulties logging on, please call us at 1 866 350 2163. You'll then need to add funds to your Card (Reload).

Reloading essentially involves moving money from an existing bank account onto your Card balance. Depending on where you bank, there are three easy choices:

Reloading essentially involves moving money from an existing bank account onto your Card balance. Depending on where you (or your parents) bank, there are three easy choices:

Bill Payment

Use ATM, Internet or Telephone Banking Bill Payment and select "DC Bank" as the payee and the account number issued to you on the www.MuchMusicCard.com Web Page, under the load by bill payment option. Bank of Montreal


We're regularly adding more banks to this list but if your bank is not listed here today, please use Pre-authorized Debit (PAD) to load your Card.

Please note: your bank may apply a standard service charge to initiate a Bill Payment transaction. It usually takes ten business days to add cash to your Card balance from the date you initiate a Bill Payment Reload.

Pre-authorized Debit

Download the PAD registration form from the secure section of this website and submit it with a void cheque.

Works with all Canadian banks. Takes 5 business days from the time the funds are removed from your bank account to process and add cash to Card balance.

Money Order, Bank Draft, Certified Cheque, Postal Money Order
(No Personal Cheques Please)

Make your money order/certified cheque payable to "MuchMusic ". Send the money order including your reference number or the last 6 digits of your account number to:

DirectCash
Bay 6 1420 28 Street NE
Calgary, AB
T2A 7W6

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Does my MuchMusic Prepaid MasterCard® Card expire?

Yes, your MuchMusic Prepaid MasterCard® Card will expire 24 months from the date of issue. The expiry date for your Card appears on the Card.

Your Card is valid for two years. On the first day of year two, we subtract $9.95 from your Card balance to cover your membership for the second year.

If you don't have the cash on your balance at that time we'll get it from you when you do.

After two years you have to get a new Card and we'll send you an e-mail on how to do that.

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What happens if my MuchMusic Prepaid MasterCard® Card expires with money left on it?

Once your card expires you will be charged an inactive fee of $2.00 / month against any funds remaining on your card balance until such time as the balance is depleted or you request the unused value from Customer service.

You have 12 months from the later of the date of last value Load, or 30 days after the expiration date of your card, to request unused value, less applicable fees pursuant to the Terms and Conditions Agreement.

All requests for reimbursements must be made in writing and reimbursements will be issued via cheque within 30 days of receiving your request to your last mailing address on file. Ensuring the accuracy of your contact information that is associated with your Card and/or Card Account is your responsibility. Any material change(s) to your personal information, such as your mailing address should be communicated as soon as reasonably possible to our Cardholder Services at 1-866-350-2163 by logging into www.MuchMusicCard.com or by mailing a written notice to Prepaid Product Services at Bay 6, 1420 28 Street NE Calgary, AB T2A7W6

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How can I be sure that the information I provide is secure?

All the information you provide to us is encrypted with SSL technology, ensuring that your information remains secure.

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USING THE MUCHMUSIC PREPAID MasterCard®

How does the MuchMusic Prepaid MasterCard® work?

The MuchMusic Prepaid MasterCard® is a prepaid card, so spending limits are set by the amount of money you load on the card. When you make a purchase with the card, the purchase amount is deducted from the card balance. When the card balance is low, you can add money to the card from your bank account. It is all right for the card to be fully depleted of funds. If this happens, simply follow the appropriate steps to replenish your funds.

The MuchMusic Prepaid MasterCard® lets you to do more for less.

  • You pay a small upfront membership and activation fee for your Card ($39.95).
  • This price includes $5.00 that will be loaded to your balance (you'll see it on there when you activate your card).
  • You don't have to pay any fees when buying stuff in stores or online and we don't charge a monthly fee for the Card - that's all included in your membership and makes it a great deal.
  • Other Prepaid Cards on the market will often charge you a monthly fee in addition to a purchase fee every time that you use the Card - we think that's unfair so we don't.
  • We do charge a small amount to load your card and in some special situations - like when you travel or take cash out of an ATM. Check the Terms and Conditions Agreement for a full list.
  • Your Card is valid for two years. On the first day of year two, we subtract $9.95 from your Card balance to cover your membership for the second year - making year two and even better deal.
  • If you don't have the cash on your balance at that time we'll get it from you when you do.
  • After two years you have to get a new Card and we'll send you an e-mail on how to do that.

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Who can use the MuchMusic Prepaid MasterCard®?

Similar to a credit card, only the individual whose name appears on the MuchMusic Prepaid MasterCard® Card may use the card.

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How do I add money to my MuchMusic Prepaid MasterCard®?

Reloading essentially involves moving money from an existing bank account onto your Card balance. Depending on where you (or your parents) bank, there are three easy choices:

Bill Payment

Use ATM, Internet or Telephone Banking Bill Payment and select "DC Bank" as the payee and the account number issued to you on the www.MuchMusicCard.com Web Page, under the load by bill payment option.Bank of Montreal


We're regularly adding more banks to this list but if your bank is not listed here today, please use Pre-authorized Debit (PAD) to load your Card.

Please note: your bank may apply a standard service charge to initiate a Bill Payment transaction. It usually takes ten business days to add cash to your Card balance from the date you initiate a Bill Payment Reload.

Pre-authorized Debit

Download the PAD registration form from the secure section of this website and submit it with a void cheque.

Works with all Canadian banks. Takes 5 business days from the time the funds are removed from your bank account to process and add cash to Card balance.

Money Order, Bank Draft, Certified Cheque, Postal Money Order
(No Personal Cheques Please)

Make your money order/certified cheque payable to "MuchMusic ". Send the money order including your reference number or the last 6 digits of your account number to:

DirectCash
Bay 6 1420 28 Street NE
Calgary, AB
T2A 7W6

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Can the MuchMusic Prepaid MasterCard® ever carry a negative balance?

An authorization request for an amount that is greater than the account balance will be declined. However, occasionally, a merchant will not immediately send through an authorization request, meaning that while the money has been spent with a merchant, the account has not yet been debited. If another purchase is made before the authorization is sent through, there is a possibility that your MuchMusic Prepaid MasterCard® account could hold a negative balance. You may incur a fee for carrying a negative balance, therefore it is important that you always keep your card topped up.

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How do I check the balance on my MuchMusic Prepaid MasterCard®?

There are a number of ways to keep on top of your MuchMusic Prepaid MasterCard® account balance. The easiest way is to document your deposits and withdrawals and simply calculate your balance. You can also track your transactions and balance online by visiting the Account Login section of this website (www.MuchMusicCard.com) and logging into your account. You may also call 1-866-350-2163 to check your balance by telephone. Please note that you will require your PIN to access your account by telephone and there will be a small charge for this service ($0.35 for automated service and $1.95 for a live customer service agent).

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What do I do if my MuchMusic Prepaid MasterCard® Card is lost or stolen?

If your MuchMusic Prepaid MasterCard® Card is lost or stolen, you should contact customer service immediately at 1-866-350-2163 Remember to always keep your card number in a safe place - you'll need to reference your card number when you call to report your lost or stolen card. Once reported lost or stolen, your card will be cancelled and a replacement card will be issued. Your replacement card should arrive in five to ten business days and the funds from your lost card will be automatically transferred to your new card.

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I've forgotten my Password. What do I do?

If you have forgotten your Password to login to your account, visit the Account Login section of this website (www.MuchMusicCard.com) and follow the link Forgot Your Username or Password? Follow the step-by-step instructions, answering the security questions. Your password will be displayed to you at the time or e-mailed within one working day to the address in your account profile.

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How do I change my MuchMusic Prepaid MasterCard® account password?

To change your login password to your MuchMusic Prepaid MasterCard® account , first log into your account, click on Update Information, enter a new password in the 2 required Password fields, select your Secret Question, enter the answer to your secret question in the 2 required Secret Question fields and then click on Update.

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Can I use my MuchMusic Prepaid MasterCard® at any ATM?

Your MuchMusic Prepaid MasterCard® may be used at any ATM that displays any of the network brands on the back of your card. When prompted, you'll need to enter the PIN that was provided to you when you activated your Card. Please be aware that you may be subject to ATM fees by the acquiring financial institution.

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Will the MuchMusic Prepaid MasterCard® impact my credit rating if misused?

Since the MuchMusic Prepaid MasterCard® does not offer a line of credit, it will not impact your credit rating. However, if the card is being misused, the account may be suspended at any time.

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Can the MuchMusic Prepaid MasterCard® be used to make online purchases?

You can always use your MuchMusic Prepaid MasterCard® to purchase at your favourite stores online. Just enter your card information and billing address when prompted at checkout.

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Are there any costs associated with using my MuchMusic Prepaid MasterCard®?

Yes, there are fees associated with Card usage and Card Reloading. You should familiarize yourself with the complete fees listed in the Terms and Conditions Agreement to be fully aware of every fee that may apply in a given usage situation.

Below, you will find a quick overview of some key fees that may help you compare the Much Card against other prepaid cards in the market today.

MONTHLY FEES are not charged for the MuchMusic Prepaid MasterCard®. Instead you pay a low first year membership fee of $34.95 and a second year membership fee of $9.95. This is the best deal on the market today.

PURCHASES are always free of charge when you use your MuchMusic Prepaid MasterCard® and because it is a prepaid Card, there are never any interest charges as you can only spend up to the balance on your card. It is free to pay for the stuff you want using the Much Card.

ATM FEES apply when you want to withdraw cash from and ATM. The MuchMusic Prepaid MasterCard® charges $1.00 to take out cash at an ATM - there may be additional service fees that are charged by the ATM owners - these will vary from machine to machine.

LOAD FEES are charged when you want to put cash on your MuchMusic Prepaid MasterCard®. We've done our best to make this as affordable as possible. The Much Card costs $1.50 to load regardless of how large a Reload you make at one time.

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Why am I being charged a fee of $9.95?

The first year membership fee is $34.95 and the second year membership fee is $9.95. The fee structure is outlined in the Terms and Conditions. There are no interest charges associated with the MuchMusic Prepaid MasterCard®.

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I tried to use my card and it did not work - what should I do?

First, you should log-in to your account - click here - to view how much money is on your card. You will have been charged the second year membership fee of $9.95 on your anniversary date. Depending on the size of the transaction you tried to make, you may need to re-load your card.

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I have a negative balance - what should I do?

Simply re-load more money on your card. Your registration for the MuchMusic Prepaid MasterCard® entitles you to a two-year membership.

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I do not understand the charges on my card, who can I contact?

If you would like to inquire about a charge or any other general information, please send us an e-mail to MuchMusic@directcash.net and we will respond within two business days.

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Will I get a monthly statement in the mail?

You will not receive a printed statement in the mail. To view your monthly statement or to access your entire transaction history, you may login to www.MuchMusicCard.com at anytime. You may also call 1-866-350-2163 and follow the automated voice response system to hear your account balance. Please note that you will be required to enter you PIN when calling 1-866-350-2163 to check your account balance and there will be a 35 cent charge for this service. Checking your balance online is always free.

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How can I change/update my personal data?

You may change personal data at any time by logging onto your account online at www.MuchMusicCard.com, visiting the Your Much Card section of the secure website and clicking on Update Information . If you have any questions or problems updating your personal information, please contact: MuchMusic@directcash.net.

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When I view my transaction history, what does "preauthorized transaction" mean ?

A notice of "preauthorized transaction" on your transaction history (indicated in italicized grey copy) means that while we have received notice from that merchant that you spent said amount at their store or on their website, the merchant hasn't yet sent through the final amount for payment. Preauthorization is done to make sure that your Card is valid and to tell us to put the money in your account on hold until the merchant sends through the final transaction amount for payment. When we receive that final notification (usually within 3 days of the purchase) the transaction is considered "settled" or "posted," and the amount of that transaction is taken out of your account.

When you use your Card to pay for goods or services, certain merchants may ask us to authorize the transaction in advance and may estimate its final value. When we authorize the transaction, we commit to make the requested funds available when the transaction finally settles and may place a temporary hold on your Card's funds for the amount indicated by the merchant. Transactions at certain merchants that authorize high dollar amounts, such as rental car companies and hotels, may cause an "authorization" or a "hold" on your available balance for up to 30 days. Until the transaction finally settles or we determine that it is unlikely to be processed, the funds subject to the hold will not be available to you for other purposes. We will only charge your Card for the correct amount of the final transaction, however, and we will release any excess amount when the transaction finally settles. Please note that we cannot manually release authorizations without a certified letter or fax from the merchant.

Please be advised that some merchants who require a pre-authorization (such as car rental agencies or hotels) may not accept a prepaid card for reservation or securing a rental. Provided they accept MasterCard®, the MuchMusic Prepaid MasterCard® should be accepted for final purchase. This situation will vary between merchants and is difficult to predict because prepaid card technology and usage is relatively new and pre-authorization acceptance policies vary.

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Why is the amount shown as "preauthorized transaction" different than the amount I actually spent at that merchant?

In some cases, such as restaurants, the merchant may send us a request for authorization (see above) for the food portion of your bill since you may not yet have written in a tip. In this case, we'll place the amount the restaurant sends us on hold, plus an additional 20% to cover the tip, should it be added. While the money is on hold, it isn't taken out of your account. The money is not debited from your account until we get the FINAL, correct amount from the restaurant. You may also notice a difference in amounts when purchasing at a gas station. If you choose to pay for your gas at the pump, the machine will send through a preliminary authorization to ensure your card is valid. When this happens, the authorized amount will range from $75 - $125. This is because the merchant does not know the final value of your pump. Note that the excess funds will remain on hold until the completion is put through or the authorization expires. To prevent any authorization limitations on your spending, best practice is to pump and pay inside the gas bar. Again, this is just a hold on the money until we receive the final amount you actually spent. Once the transaction is settled, you'll see the correct amount reflected in your transaction history.

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Why is there an unfamiliar merchant name listed on my statement? I don't remember shopping there.

Some stores are part of a larger corporation that operates under a name that is different from the actual store and card processing is done under the company's corporate name. If however, you review your transaction history and purchase receipt totals to discover a completed payment to a merchant that you are certain you did not authorize, you should call the number on the back of your Card: 1-866-416-MUCH (6824) and ask to speak with a Customer Service Representative to discuss this transaction and if necessary initiate the formal purchase dispute process.

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How do I download music if I received the music promotion?

If you received the music download promotion when you purchased the card, please click here for download instructions.

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