Prepaid credit cards

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					Presented by Daniel Toriola
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Prepaid credit cards By Matt Yetter

Prepaid credit cards Not everyone has the kind of good credit rating it takes to qualify for a credit card. If you have past credit problems such as bankruptcies, repossessions, or even divorces, you may not meet the stringent qualifications that credit companies use to determine who receives a line of credit. Even smaller credit blemishes, such as a history of late credit card payment, can result in a denial from a credit card company when you fill out an application. Fortunately, there is a way to get started on a brand new credit road without the best credit history. Try applying for a prepaid credit card. What is a prepaid credit card? You can use a prepaid credit card anywhere and any way that you would use a standard credit card. Many people use a credit card payment for utilities, online services, or other scheduled monthly bills. People also commonly complete online purchases, reserve rental cars or hotels, and bid on online auctions using a credit card account. But if you don’t have a standard credit card, you can use a prepaid credit card to do all these things and more. Several lenders offer prepaid MasterCards or Visa cards that look exactly like the regular cards. A good place to find prepaid card offers is online. Simply enter prepaid credit card into the search box on your search engine page and start exploring your options. You can fill out the lender’s application online and open an account within a matter of days. As part of the prepaid account, you will be required to deposit a minimum balance to kick start your line of credit. Once your account is open and your application is complete, you can use your card to charge items up to the limit on your account. As long as you make your credit card payment on time and for the minimum balance, you keep your line of credit. Pros · A prepaid credit card is relatively easy to get. You do not need to meet any other qualifications than a down payment and the complete application form in most cases. The card offers are available online,
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Presented by Daniel Toriola
but if you do not have internet access that is secure, you can apply also at several retail stores. · If you want to have a credit limit of five hundred dollars, you can deposit five hundred dollars into your account. If you want a credit limit of one thousands dollars, deposit this amount into your credit card account. Your limit is completely under your control. With the prepaid card, there are no interest charges or annual fees. · When you use your card, you are not borrowing money from the banking institution that you got your card from. In fact, by making your credit card payment on time, you can drastically improve your credit rating. As long as you pay your balance in full each month and do not accrue any interest, your credit card debt remains stable while your credit score rises. · You can use your prepaid card anywhere they accept the standard MasterCard or Visa cards and no one will know the difference. Matt Yetter is webmaster of www.kingcreditcard.com. You can find other articles and information about credit and financing at www.kingcreditcard.com/articles

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Presented by Daniel Toriola
3 Things Everyone Should Know About Prepaid Credit Cards By Sean Masterson

In the world of prepaid credit cards you have the good guys, the bad guys and the occasional guy who sits on the fence -- and you can never really be sure which way that guy is going to lean. How do you tell which card is which? If you're looking to use prepaid credit cards for purchasing power, there are a few things you need to keep in mind... 1. Fees, Fees and More Fees Not all prepaid credit cards are created equal and nothing details this as well as the fact that the fees can vary so greatly from one card to the next. Prepaid credit card A, for example, may have a $25 start up fee and a monthly fee of $4.95 per month, while prepaid card B may only cost $10 to start up and may not charge a monthly service fee as long as the card is in use. Make sure you compare all fees closely before deciding on any prepaid credit card. Remember, sometimes what you don't know can end up hurting you, and unexpected fees and charges are a perfect example. 2. Credit Reporting If you're thinking that prepaid cards will help build your credit rating, you need to think twice. Almost all of the prepaid credit cards out there will do nothing for your credit. A secured credit card will report your activity to the credit bureaus, whereas prepaid cards will not. 3. You Can't Use Them Everywhere Don't automatically assume you can use prepaid plastic to book a room at a hotel or rent a car. Many hotels will not accept prepaid credit cards as a form of payment, and many car rental companies are following that line of thinking. What prepaid credit cards are good for is making purchases online and paying for gas at the pump. Why wouldn't you just use a debit card to do this? Because that exposes the bank account connected to your debit card to the dangers of the Web. A prepaid credit card does not pose this problem. So remember, when you're looking into prepaid plastic, compare fees carefully and pay close attention to the terms and conditions from one card to the next. Also pay attention to the policies of the businesses that accept them. Prepaid credit cards definitely have their place in the world of plastic, but they are by no means a be-all-end-all credit card solution.

For more tips on prepaid credit cards, saving money and avoiding getting taken, check out CreditCardWhizKid.com, a website that specializes in providing credit card tips, advice and resources. http://www.creditcardwhizkid.com/prepaid-credit-cards/

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Presented by Daniel Toriola

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