Credit Card
2005
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 Cristiano Ronaldo Credit Card 16GB USB Flash Drive  US $39.99
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What is a prepaid credit card and why do we need them?
What is a prepaid credit card?
In this high-tech era of computers and machines, the purchasing power of people is mostly based on credit. Nowadays, credit cards are almost indispensable in almost any business transaction. For one, nobody can purchase anything online without a credit card.
People who have a poor credit history though, will have a hard time getting or renewing their
credit cards. This is where prepaid credit becomes useful.
There are lenders that offer prepaid MasterCards and/or prepaid Visa Cards. Both these cards can be used like a regular credit card. It is even hard to distinguish which card is prepaid or not, by simply looking at it or even using it.
This is basically how prepaid credit cards work. When an account is opened, the card should be “pre-loaded” with cash up-front. This is like paying for a pre-paid calling card.
Prepaid MasterCards or Visas can be used anywhere as long as these cards are accepted.
The prepaid credit card advantage:
1. Prepaid credit card can be easily obtained. It can be purchased online or in local retail stores. It does not require any credit check or proof of income.
The only thing to do is to fill out an application, pay a small fee for setting-up the account and load the card with cash. The amount of cash loaded will be the “credit limit”
2. No interest charges.
When a prepaid MasterCard or prepaid Visa is used, there is no interest charge unlike the regular credit card. The reason for this is that the money used is the owner’s actual money therefore no interest is needed.
3. Prepaid credit cards are free from financial or credit problems.
4. Prepaid cards can be used almost anywhere. Prepaid MasterCards and Visa cards are almost accepted anywhere in the world.
5. It is a lot easier to manage your money with a pre paid card as you can't over spend. You can budget a set amount and then stick to it.
Disadvantages of Prepaid Credit Cards:
1. Usually a set-up fee of 5 to 50 dollars is needed when an account is opened. Then another fee of $5 or more is paid every time more money is loaded onto the card.
Regular credit cards usually do not charge a set-up fee or annual fees.
2. Cash up front is needed before any purchase could be made with the prepaid card.
This could be an advantage since compulsive spending can be avoided.
3. There are some prepaid credit cards that cannot be used to pay regular payments such as monthly electric consumption or online services.
The Conclusion:
The prepaid credit card is a definite help for people who have past credit problems. It is just a matter of choosing the right prepaid credit card that suits ones’ needs.
What is Travel credit card? Which is the best credit card company for visa card and master card?
What is Travel credit card? Which is the best credit card company for visa card and master card? I’m thinking to get a visa card and want to know that travel credit card allow earning point when you use it for purchase.
Here's where some CC companies get you. All of them offer great rewards POTENTIAL. Sorry for the caps but it's important. The truth is you have to find out what the qualifying purchases are. The best ones are the cards you get points for paying your utility bill and gas. Most people have to buy gas and have utility payments why not use your card and get the points. Just save the money you normally do for those payments and send it to the CC.
What's Your DNA Worth? (Forbes)
Imagine that on a day just like any other, you grab your mail and start
thumbing through the ads and solicitations per usual, and you come across a
“pre-approval” letter from a bank offering you a credit card. You open it
expecting to see the typical application and prepaid envelope—but this time
you find something else as well.
Dirty Credit Card Secrets
