Prepaid Visa Credit Cards – A Closer Look

For years, credit cards have been very useful for almost everyone- from business owners to students and even ordinary employees and retirees. It is used to purchase items or groceries, pay bills, etc. However, some credit cardholders consider credit cards as a source of their headaches.

Do you consider yourself as an over-spender or someone who can’t control spending as far as shopping is concerned? If yes, a credit card may not be the best choice because of the high interest rates and late penalty fees. You can opt to get a prepaid visa credit card instead.

What is a Prepaid Visa Credit Card and Its Advantages?

Prepaid visa credit card is a Visa card you can use to make purchases everywhere Visa debit cards are accepted just like a traditional Visa card. People can get a safer feeling when going out or even traveling to other countries because they don’t need to bring cash with them.

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Rent a Car with Your Prepaid Debit Card

When taking a vacation or traveling to a new place, many people rent a car for convenience. Major companies that provide rent-a-car services usually require credit card payment. But what if you do not have a credit card? Or if you do have a credit card, what if you do not want to use to rent a car? Do you have other options?
The truth is, prepaid debit cards can be used for car rentals. Below are practical tips on how you can use a prepaid debit card for renting:

Explore your options. Some auto rental companies impose more restrictions than others. By doing your own research, you can find a company that has more lenient policies to non-credit-cardholders. Different branches of the same company may also have varying rules. The best way to know your options is to call up the company and make inquiries.

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In Search for the Best Prepaid Credit Card

Trying to find the best prepaid credit card in the market can be a big challenge. If you do not know exactly what you’re looking for, you may find it difficult to do comparison. If you’re not familiar with prepaid credit cards, read on to find out how you can make the right choice.
Important Factors that Must Influence Your Decision

What factors must influence your decision in getting a prepaid debit card? First, you want to go with a prepaid card that is supported by a major processing company like Visa and MasterCard. These two credit card processing companies are the two leading names in the market.

Prepaid cards with Visa or MasterCard logos are widely accepted anywhere in the world. Cards that bear the Visa or MasterCard logo can be used wherever credit cards are accepted. It can also be used for buying products and making reservations online.

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Facts about Secured Credit Cards

Even if you don’t have any plans of applying for a credit card now, you may soon find that it is necessary for you to get one. For instance, if you don’t have time to go to malls, you can simply place your order online and wait for the item to be shipped to your doorstep. Furthermore, purchasing products online is often cheaper than buying them from a regular store. Many airlines and hotels offer reservations on from the internet. If you often take out-of-town trips, having a credit card to make online bookings provides great convenience.

However, if you don’t have a credit history or if you have a bad rating, you may not be able to qualify for a regular credit card. Fortunately, you still have a chance to build or rebuild your credit history by getting a secured credit card.

Below are important information that should be considered before applying:

Qualifications:
The good news is that secured credit cards give everyone the chance to get approved – even those with no credit or poor credit history. As long as you can submit the required deposit, you can open an account right away.

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