Tag Archives: Prepaid

Prepaid Credit Card – A Smart Choice

Yes, credit cards are one of the most useful things in today’s times. You need to shop or travel or eat out or require emergency funds, Credit cards always help you out whenever or wherever. There are two types of credit cards, one is the prepaid credit card wherein you have to deposit the amount of money for which you want a card, which actually decides your spending limit according to your budget. Anyone can buy these credit cards and the credit rating is not at all important to buy this credit card. The process that a prepaid credit card follows is that, initially you need to load the amount on the card as per the limit available and then spend the same on the go.

The only is there is no credit provided to you although it is known as credit card. You can’t spent a buck extra then you have loaded on the card. On the other hand is beneficial compared to a post paid credit card because a post paid card tempts you to spend more and more because it’s all on credit and you don’t have to immediately pay the amount back. Though, in time of emergencies post paid credit cards are more beneficial than prepaid ones. Buying a prepaid credit card, you never run the fear of getting in unnecessary debts and even provide you a chance to improve your credit ratings which includes a certain fee and is considered to be a small loan.

Just like post paid cards, prepaid cards can also be used mostly anywhere and everywhere be it travel, shopping, at restaurants, hospitals and many more places and yes you do get special cash back offers in these cards too. But, it may happen that at certain transactions, prepaid wouldn’t work before authorization and the cost of purchase.

Applying for prepaid credit cards is very simple and hassle free as it does not involve any kind of verifications. Hence there are banks who accept credit card applications from teens also. This makes a very good gift for your child’s birthday or if you child lives in a hostel or in a different city. You just need to load money and give your child the card, which he or she can use whenever required. Again, this is beneficial because you also come to know at what all places your child is spending the money given to him or her. It helps you to keep a check on the spending habits of your child also.

Comparatively, Prepaid Credit cards have their pros and cons, but you can opt them depending on your requirements.

Gulf Money Mart talks about prepaid credit card and compare credit card.

Prepaid Credit Cards UK – UK Prepaid Cards- Video No. 5 of 6 in this series


This is our 5th video in our series about Prepaid Credit Cards Online Usage.

Another advantage of making use of prepaid bank card is that you could make use of most of them on the net. Far even more individuals are shopping online, and that number will keep rising over the following few years. Prior to anybody can shop online they require an electronic approach of paying for their purchases. People without an effectively good credit rating would nit be offered a charge card credit would typically have a tough time buying online and possibly wouldn’t be able to do it at all. Nevertheless, with prepaid credit cards, getting accepted and buying online isn’t really dependent on an excellent credit record so getting one is simple.

This is all discussed in our video clips plus more. If you view the other video clips in our 5 part collection you will learn even more about Prepaid Credit Cards Online which are just cards which the user pre-loads with cash from their employer or bank, and the related subjects of:.

– prepaid bank card benefits and drawbacks.
– the best ways to make use of usage prepaid bank card online.
– where to buy prepaid credit card.
– drawbacks of prepaid credit card.
– prepaid credit card online shopping.
– buying with prepaid credit cards online.

A thing that ticks-boxes for those of making use of credit cards which are prepaid, is the convenience of online prepaid card use on the internet. If you are getting things online, in order to complete an order to purchase you will need to make use of a credit card of one kind or another, soon. The web-user can just process electronic techniques for paying for goods and services. Anyone doing not have credit ratings would generally have a difficult time getting online, and fail to be able to go shopping online. However, with prepaid credit cards, getting accepted and buying online is fast and straightforward.

Related subjects are: prepaid credit cards uk post office, prepaid credit cards post office, anonymous prepaid credit cards uk, and prepaid credit cards for kids.

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Maestro, Visa or MasterCard Prepaid Card – Does it Matter?

Prepaid cards are fast becoming the preferred payment option for a number of online and offline transactions and the rapid growth and usage of these cards in various sectors such as Money Transfer, Travel Money, Payroll, Online Shopping, Gaming, Youth and Business is already well documented.

Typically, these cards tend to be branded with MasterCard or Visa scheme badges whilst Maestro seems to be extremely popular in the UK and the question most consumers ask is whether it really matters whether their card is a Maestro, Visa or MasterCard card.

Well the simple answer is, yes it does depending on your usage of these cards.

Risk and attractiveness to Fraudsters
If it is for travel, them maybe global acceptance is very important for you. Furthermore, the chances of a prepaid MasterCard being accepted on gambling, gaming and adult sites is far higher than a Maestro branded card. The flip side is that even in a safe and secure environment, a MasterCard is probably more attractive to fraudsters than a Maestro card. So if you are risk averse and your main usage is for online shopping and or high street usage in the UK, maybe a Maestro card is the right one for you.

Global Acceptance
There are big differences is card acceptance across the globe, so you need to take great care and ensure the card is right for your needs before making a final selection. If we look at some quick stats on worldwide acceptance, we see

– MasterCard: Over 28 million worldwide acceptance locations

– Visa: Over 12 million worldwide acceptance locations

– Maestro: Over 9 million worldwide acceptance locations

Fully branded Visa or MasterCard travel cards are accepted at millions more merchants around the world. Whilst Maestro and Electron acceptance rates are increasing, there are still many destinations where you would experience difficulties using the card to purchase goods.

Maestro acceptance is continuously improving, and card acceptance is currently around 960,000 locations and internet sites in the UK, and 9 million locations worldwide. Over 100 countries accept Maestro. But, many do not, so be sure to check acceptance before purchasing a prepaid Maestro card for your holiday money or international money transfer. Maestro prepaid cards can be used at the ATM internationally, wherever you see the Maestro or Cirrus payment mark.

MasterCard is currently accepted around the globe at merchant outlets and ATM machines, where you see the MasterCard (or Maestro/Cirrus) sign. You can use your prepaid MasterCard at more than 28 million locations worldwide.

A Visa prepaid card works like a Visa credit or debit card, with the exception that each transaction must be electronically authorised. Your Visa pre paid card is accepted at over 12 million electronic merchant locations worldwide, in over 160 countries. Visa Electron is accepted at over 1 million ATM machines displaying the Visa or PLUS payment mark.

Currently, MasterCard not only offer the best global acceptance but also remain the most popular scheme badge for prepaid card programme managers and issuers.

Compare Prepaid Cards at Prepaid365 – the UK’s Prepaid Card Comparison Portal

Divya Sharma is the author and senior editor at Prepaid365 – the UK’s prepaid card comparison portal and an expert in the prepaid card industry.

Do The Smart Thing Get A Prepaid Credit Card

Many wonder if they should get a prepaid credit card. There are many reasons people sign up for these cards today. Some like the convenience of using these cards. Whereas some use them to build their credit scores back up. In contrast, some use it for both these reasons.

The way a prepaid card works is that a person will sign up for a card, pay a small annual fee, fund it and start using it like a regular line of credit. There are no interest fees associated with the card as there would be with a standard credit card because the owner of the card has funded the card with his or her own money. The money spent with the card prevents the person from going into debt because they cannot spend more than they have placed on the card.

It is accepted in any place which accepts traditional credit cards, and also in ATM’s. This is therefore, a convenient card to use. The card however, helps those with bad credit looking to increase their credit score.

The credit score is very important because it is used to determine whether or not a person will be approved for a loan or line of credit. Also, it determines the amount of interest a person will pay on a loan or line of credit. The higher the credit score, the lower interest rate a person will have to pay. Everyone of course wants to pay the lowest interest rate possible.

People can maintain their high credit score by paying their bills on time. Also, people should strive to keep their available balance over sixty percent of their total line of credit. For instance a person who has a credit limit of ten thousand dollars on one account, should try not to charge more than four thousand dollars on that card in order to maintain a high credit rating.

But for those with a bad credit score, getting a traditional credit card might not be possible. For them, a prepaid card could be the answer. The prepaid card is tracked by the credit reporting bureaus just like the traditional cards.

The person who uses the prepaid cards regularly will typically build up good credit when they use it responsibly. The company that issued the prepaid card will see that this person is being responsible with his or her finances and is likely to report favorably on their credit report. In addition, the issuing company might be so impressed that they offer the person a traditional credit card as well.

People can choose from many card companies. And they should realize that even if their credit history is not perfect, they still need to be treated like a top notch customer by the card company. After all, the card holder turning their money over to this company and is not asking for a line of credit. The company that does not treat everyone with respect should be avoided.

The prepaid credit card is one way to spend money conveniently. And one way to build a high credit score without getting into debt.

Get the information about how you can get a prepaid credit card easy and fast. If you want to improve your credit score, using a prepay credit card will help you to achieve your goals more quickly!

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Prepaid Credit Card or Bad Debt Card: Which is Best?

A prepaid credit card and a bad debt card are the options open to you if you have an adverse credit record and need a credit or debit card. There are many reasons for you needing a credit card, and even those with a very poor credit record eventually find that not having a card can very inconvenient.

Let’s take some examples a where bad debt card or prepaid credit cards would be better than no card at all:

1. Hotel bookings.

Most people book their hotels in advance – in fact if you don’t you are highly unlikely to get a room! When you book online you obviously have to secure the booking using a credit card. If you book by telephone, you will be asked for your card number. So if you have had your cards cancelled, and no regular card provider will give you one because of your past record, then what do you do? No more hotels for the rest of your life? You are better off with a bad debt card or a prepaid credit card than no card at all!

2. Vacation Bookings

The same applies here, and there is not really any need for me to go further than that. You know how it works: you make the booking and then give your card number. No card, no booking. The days are long gone when you book and then pay cash when you arrive.

3. Any Online Purchase

Any online purchase must be made using a credit or debit card. If you don’t have card you can’t buy anything online. Nothing at all!

4. Autotellers

There will come a time, not too far into the future, when banks will not handle cash except from registered retailers, and even that will die out. Cash for the few items that you need it for will be dispensed by autotellers and practically everything else will be paid using a card of one type or another. Even bars are converting to cards: hand it over when you order your drink, and then every other drink goes onto your tab assigned to that card.

Basically, what I am saying here is that you will find life sheer hell without a credit or debit card, and if your credit is shot, as it is for many people, and as it was for me for a long time, you will find ‘normal’ life very difficult. You will need a card for most purchases, online or not, and unless you have good credit you will need either a prepaid credit card or a bad debt card. Without one of these you will be screwed when it comes to purchasing anything you cannot buy in your local store – that includes hotels, flights, vacations, restaurant bookings, online purchases – in fact anything online that costs money – and even getting cash from your bank.

So why are there both bad debt cards and prepaid credit cards? Why not just one or the other? The reason is that some people cannot take a second chance, and when issued a bad debt credit card without a credit check being carried out, they still screw up on the repayments.

These cards don’t offer you a large amount of credit initially, sometimes only $ 500 or £250, but even then they can’t make the payments. They max it out in 5 minutes and then pay nothing for months. Eventually, their credit is totally irreparable, and they have no chance of getting any credit anytime – at least not until the statutory time has elapsed for their record to remain visible.

They can, however, apply for a prepaid credit card, where they fund the card and can then spend up to the amount they have funded. They cannot go beyond that, but what they can then do is make the normal online purchases and bookings that they could with a regular credit card. You can also have your income paid directly into the card account, and use autotellers to withdraw cash and make regular payments by direct debit.

If all this describes you, then a prepaid credit card is an ideal solution to your need for a payment card, and if you haven’t yet shot yourself in the foot you should also be able to successfully apply for a bad debt card. A small credit limit to start with, but stick with it and not only will that limit be increased, but you have already started to repair your bad credit score. Maintain your payments regularly, and you will soon be able to apply for a regular card.

For more information on the benefits of bad debt cards and prepaid credit cards visit Global Credit Guide where you can solve your problem by accepting any of the great cards waiting for you.

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Federal Housing Authority Accepts Prepaid Credit History For Home Buyers

FHA takes prepaid card record. FHA actively seeks at the least 12 month credit rating on non-traditional credit rating. Cable, smart phones,land range mobile phones, rent,buy here pay here auto loans, rent to own,renters insurance coverage, motor insurance any thing you purchased one year or more.

Prepaid credit cards permit you to create bill repayment with all of above. All payments needs to be paid in a timely matter to qualify. Prepaid charge cards reports towards the credit bureau on non-traditional credit rating if you sign up for the program. But remember it will report untimely repayments too.

FHA requires minimum of 3.5per cent advance payment with appropriate credit rating. However some monies can come from gifts or grants. All choices must be paid-in full. Just allowed to have 1 disputed creditor at time of application. Documentation should be given to disputed creditor.

There isn’t any minimum credit history requirement, having about 620 rating or maybe more will make you an even more severe house purchaser to obtain authorized. In addition, you won’t be instantly disqualified when you have a bankruptcy or property foreclosure if enough time features passed away.

FHA also allows you to buy a multifamily home as a house owner plus the 3.5% nonetheless is applicable. It will help to raise a number of the burden from the a home owner. If you purchase the home with a tenant and 12 rent is within result. Leasing earnings is roofed inside income to support your financial troubles to earnings ratio.

All homes will need a house assessments on all FHA mortgage loans. Which helps see unforeseen issues someday. Objective is the fact that property owner won’t have to go to make fixes after finishing. This really is in the most readily useful interest for the house purchaser and also the lender. Sellers makes repairs before finishing.

The national income tax credit due date features passed requiring buyers to own property under agreement by April 30 has included with the interest in FHA financial loans. Offering low down payment, versatile underwriting, and much more lenient credit requirements, FHA loans assist very first time and moderate income purchasers with inexpensive residence financing options.

FHA guidelines are designed to provides much more leniency for assessing each consumers require. Where Fannie Mae & Freddie Mac does not provide flexibility for consumers circumstances.

Get a copy of credit file from all 3 credit agencies to see for which you have to begin. You will end up surprised just what may be on your own credit history. For those who have no credit get prepaid charge cards and start documentation on repayment history. Contact a home loan lender to learn your options. What has to be done to get ready yourself to get a home.

Prepaid credit cards allow direct deposit for payroll. Card to card transfer at no cost. Many have several cards. One for bill payment and another for spending cash to keep of their budget & one with their down-payment. Helps many achieve their particular goal and stay centered on the task in front of you.

Sadie T O’Neal experience originates from fifteen years of mortgage underwriting make an application for your  F*R*E*E prepaid credit card, that reports towards the credit reporting agencies and Lexus Nexus. Load card anytime and get .00 for internet based applications or phone 1-866-787-4227  usage promo signal:  creditbuilderstoday.   Browse Now: http://creditbuilderstoday.com


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Some need bank cards plus some don’t… most states require your credit agencies supply a minumum of one no-cost credit report yearly.

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Best Prepaid Debit Card – The 7 Key Features

Get the inside information from the 7 key functions to obtain the best prepaid debit card available. Today, compared to yesteryear it’s a more customer friendly, reasonable charge business than days gone by. For lots more consider an article at: http://www.yourbadcreditcard.net/best-prepaid-credit-card/

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3 Prepaid Reloadable Mastercard Choices

If you’re in search of a reloadable Mastercard you have a whole load of choices. People opting for to not ever carry cash these days and in addition they need prevent the interest costs and annual costs that charge cards hit . An amazing solution is the prepaid reloadable Mastercard gives you the capability of plastic without the interest fees.

discover a summary of three prepaid reloadable Mastercards that can be used to simplify everything and maintain your funds in control.

The BuyRIGHT prepaid Mastercard is a high choice when looking for a prepaid reloadable card. Not just do they feature direct deposit of one’s paycheck directly to your bank account, nonetheless they additionally report to at least one associated with major credit rating bureaus. This makes the BuyRIGHT card ideal for those who find themselves often attempting to establish credit like younger individuals or those wanting to re-establish credit after a bankruptcy or the like.

BuyRIGHT also offers a very good fee framework and that means you don’t need to spend an arm and a leg as you develop your credit history. And you can get no-cost account notifications to let you understand in which your bank account appears at any given time.

US Paycard Mastercard – This reloadable Mastercard advertises if you are trying to deliver money back to household in other countries making it an ideal choice for resident aliens employed in the U.S. The card may be used at countless merchants and ATM machine throughout the world and obtaining one is quick and easy. When you get your cards deliver someone to your family and you will reload it for them to withdraw cash anytime. It’s plenty easier much less high priced than west Union or bank transfers that I’m not sure the reason why everyone does not use them.

All Access Mastercard – This reloadable Mastercard offers 100% endorsement to applicants and you will get a limit up to $ 10,000 without minimal stability needed. There is no bank-account expected to apply for and become acknowledged the each Access Mastercard. If you’re shopping for a method to organize your finances, budget better and get away from bounced checks and overdraft costs then chances are you should definitely explore this reloadable Mastercard.

This is only the tip associated with the iceberg as there are many more than simply these three businesses providing prepaid reloadable Mastercards. Do some study and you will discover many with different terms and fees. Research each and find the ones utilizing the most useful terms to suit your requirements. As we move towards a cashless society these prepaid Mastercards are getting to be ever more popular as a means to move resources, establish credit and keep track of private and also family finances.

You can lean more about reloadable Mastercard in the authors site. There you’ll also get a hold of tips about methods to make use of reloadable debit card

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Money Management : How Do Prepaid Credit Cards Work?

cash Management : how can Prepaid bank cards Work?

Prepaid bank cards are widely used to rebuild credit. Consumers will deposit cash into a free account and use that cash to invest utilizing the credit card. Find out how creditors will eventually allow the consumer to use regular bank cards after a prepaid card with information from a registered economic consultant within free movie on bank cards.

Specialist: Patrick Munro
Contact: www.northstarnavigator.com
Bio: Patrick Munro is a subscribed financial consultant (RFC) with outstanding product sales volume of modern financial loans and methods to the senior and boomer marketplace.
Filmmaker: Reel Media LLC
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