Does Deserve EDU have travel insurance?

Yes, the Deserve® EDU Mastercard for Students does have a late fee of up to $25, which applies when cardholders don’t make the minimum payment by the due date. The late fee for the Deserve EDU Card can never exceed the minimum payment amount, though, thanks to the CARD Act of 2009.

If you accidentally make less than the required minimum payment or you miss your Deserve EDU due date entirely, you can always ask customer service to waive the late fee by calling 800-418-2362. This is much more likely to work if you have a great payment history with Deserve, but even if not, there’s no harm in asking.... read full answer

To avoid getting hit with late fees in the future, make sure to pay at least your minimum required payment each month. The best way to ensure that you never miss a payment is by setting up autopay.

A credit balance refund on the Deserve® EDU Mastercard for Students is a reimbursement for paying more than the total balance owed on the credit card. For example, a cardholder who has a balance of $500, but pays $600, can get a credit balance refund of the $100 that they overpaid. Cardholders can request a Deserve EDU credit balance refund: by sending a written request to Celtic Bank, 268 South State Street, #300, Salt Lake City, Utah 84111. ... read full answer

Legally, a credit card issuer is obligated to issue a credit balance refund within seven business days of your request for one. Please note that you are not required to request a credit balance refund if you overpay your Deserve EDU credit card. If you have a negative balance on your account, meaning you’ve paid more than you owe, future purchases will be credited until the balance is back to zero. If you maintain a negative credit balance for six months, Celtic Bank is required to offer you a refund.

To contact the Deserve® EDU Mastercard for Students reconsideration line, call 1-800-418-2362. The Deserve EDU Card reconsideration line is a way for denied applicants to request a second review of their application and potentially get the denial overturned. In the case of Deserve EDU, the reconsideration line is the same as the general Deserve customer service number.... read full answer

If you call to request reconsideration from Deserve, make sure you are prepared to make an argument for why you should be approved. You will typically only have a shot at overturning a denial if you can prove that your financial profile is better than it appeared on your initial application.

For example, if your credit score went up significantly or you got a raise since you applied, you could argue that you are now more creditworthy. Alternatively, if you were denied because of incomplete or incorrect information on the application, you could ask for reconsideration after fixing that error.

At the end of the day, you probably won’t be successful in overturning your denial, but there’s no harm in trying.