Every African-American should be highly concerned about this episode with the Rush Card glitch resulting in their prepaid cardholders account balance go to zero (0) and they could not pull money out of their account to pay bills and buy things for quite some time. But there is a bigger story here – this was an organic growing story among lower-income black people suffering and complaining for days on end and I saw none of the "major black media" took up this story. Now that Time and NBC took up the story, you will see these black media pick up the story and we have been monitoring in real time how the news unfolded. And it is disturbing.
What this article is basically going to tell you black folks out there is the very same black media you guys be supporting and you black folks be liking their stuff on Facebook – these black media are the first to screw you over when shit goes down and all of this black media do not have your back. These black media are ran by some Boule characters who sell your unbanked black behinds as a demographic to the corporate advertisers and can give a personal shit about you and what you everyday black people are going through. Let's look at what black folks went through.
Basically what appeared to happen is Rush Card switched payment processors and it didn't go to well. So it sounds like some accounts were reset to zero balance during the switch and the money did not transfer over seamlessly. This left the prepaid cardholders of the Rush Card unable to withdraw their direct deposit money and they found out the hard way by being denied at the cash register or trying to pay a bill. Then they went to the ATM and saw their account balance being zero. This was going on for over a week from the reports I read from people posting.
These are lower-income black folks, the majority of the African-American population that is going through this. You would think black media would realize this is a big deal but they didn't. And when you are living check-to-check, you know things get out of hand fast. The late bill has a $30 late service fee and you see zero balance on your Rush Card account. You ran out of diapers and formula and was waiting on your direct deposit to buy more but you cannot and see zero balance on your Rush Card account. You need to put gas in your car to get to work but you cannot because your Rush Card has a zero balance. This is how fast things can get out of hand when you are living check-to-check. And here are some of the postings that I saw that tugged at my bleeding heart:
But you know what I didn't see? I didn't see none of the black media outlets even covered this angle. Is it because Russell Simmons is one of those black media and it was a cover up to protect Russell Simmons image in black media? And if this was the case, who expense and who had to suffer? All of the low-income black people who couldn't get at their money? You know how frustrating and crazy it feels to be poor and not have access to your money?
You see none of these black news at the time of this writing had any specials, any top coverage to get to the bottom of the situation. You saw the news of retail store credit card security breaches and other financial companies who had glitches but you saw nothing of black media covering the issue with our low-income black brothas and sistas who were suffering and going through financial problems. Like I said, some of them low-income black folks probably got car payment late fees of $40 and stuff like that piled on them because they couldn't pay bills – who is going to eat that cost?
Overall and like I said, you brothas and sistas don't even realize the score and what is going on around you. You low-income black folks are patronizing these black media that don't give a damn about you and you low-income black folks are dumb as hell to sign up to a prepaid card system giving them 100% of your direct deposit amount like a stupid dumbass – that's why you low-income and busted in the first damn place, don't know how to handle your damn money. If your broke black ass actually read Dream and Hustle, I blogged about the risks years ago about poor cats and these prepaid debit cards -
http://dreamandhustle.com/2012/04/are-broke-cats-at-risk-using-prepaid-debit-cards/ You poor dumbass black folks follow celebrities too damn much talking about Magic Johnson is an entrepreneur and Dr. Umar Johnson is – what yall be saying Dr. Umar Johnson is because all I see him do is have a big mouth. But me on the other hand, I can build my stuff and put in real work and not be an empty celebrity endorsement cat like Russell Simmons and his Rush Card stuff. You go to a health clinic Magic Johnson run, he ain't going to be in there talking about let me draw some blood then accidently prick himself and then prick you and you stare forward pretending that ish did not just happened. You go to a strip club with Dr. Umar Johnson hoping to save some black queens off the pole and five minutes after you enter, you cannot find Dr. Umar Johnson because he is in the back banging a stripper. At least with me, I'm a real technology expert and when I put out stuff, I can work on it directly and you have my word on what is going down and how to get it resolved. Yall poor low-income unbanked check-to-check black folks be star-struck too damn much and that's why yall all caught up giving some damn prepaid card all your direct deposit because you like some celebrity endorsement – man yall are stupid as hell, real talk.
Look, stop doing stupid moves with your money. Now, I know I made fun of you cats and your low-income and being broke and stuff but let me give you a secret – you actually make good money, the problem is you don't know how to handle your money and live in your means. And poor black folks have what is known as a ghetto tax but it is really a stupid tax because these opportunists cats learn to put fees and surcharges on you broke cats at every little thing you do like the Rush Card be doing. Here is what you need to do.
Find a Damn Bank. Very few black people cannot get a bank account, I don't know who told you that you cannot get a damn bank account but that is some pre-Homeland Security stuff. You can still get a new bank account almost anywhere no matter how many checks you bounced or whatever – just go out and try and at least do a savings account.
Do Cash, Dammit. Why do you need a prepaid debit card? You check-to-check characters don't need any payment cards to conduct business? You ain't traveling no damn where and renting cars and stuff. You can buy money orders from the supermarket, stop making up crap. Why can't you just get a check from your job, then cash it at the bank the job write the checks out to? If the check from your job is out of state, then what you do is a partial direct deposit where you only put in the money to pay bills in a prepaid direct deposit but $150-$200 is a check that comes directly to you that you can cash or use as a backup.
Here is the thing and we will be about this in 2016 but you brothas and sistas don't need all this prepaid nonsense and I wish you stop all of this right now! Find a bank account anywhere or a credit union account anywhere and even a savings account will do. Direct deposit into that – in fact, there is no reason to even have a debit/credit card and you fooling yourself if you believe you need one. You know why you want to a debit card? So you can subscribe to monthly subscription services, swipe when you emotions want to spend and waste your damn money as a consumer. Switch your ass back to just getting cash in a savings account, take your poor black ass to the walking/biking park and go jogging and eat black beans, bananas and canned salmon and stop trying to be a damn spending consumer!
And most important - please stop supporting these garbage black media outlets that don't give a damn about black people..
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