Can You Really Stay Away from Bad Credit with Prepaid Credit Cards?

As the name suggests, prepaid credit cards are paid in advance. Instead of purchasing in advance and paying at a later time, a prepaid cardholder is expected to pay first before charging purchases to his/her card.

Today, prepaid credit or debit cards are increasing in popularity. More and more people prefer to get a debit card than a regular credit card to keep away from bad debt. But can you really stay away from bad credit with prepaid debit cards?

Who Needs A Prepaid Card?

Prepaid cards are wonderful tools for teenagers or students who need a cashless mode of payment. Parents can also send monthly allowances for their teens using a prepaid account. These special cards are great for people who cannot qualify for standard credit cards because of a bad credit history. More importantly, prepaid cards can be used to rebuild damaged credit.


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Tips on Buying Prepaid Calling Cards Online

Prepaid call cards are used to make calls from wireless cellular phones. These cards have a lengthy expiration period so they can be purchased in advance and used at a later time. Prepaid cards can be bought over-the-counter and also online. Today, let’s discuss the advantages of buying prepaid call cards from the internet along with practical tips on how to buy.

Why Purchase Online

It’s quick and convenient. Obviously, buying over the internet is easier than having to go to the store to purchase over-the-counter. As long as you’re connected online, you can simply visit a retailer’s website and click on the card you want to buy.

Get the best rates. You are guaranteed to get the best rates from online retailers. Online merchants can afford to sell products at much cheaper prices because they have lower overhead costs.


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Prepaid Phone Cards – A Partner In Tough Times

Do you have friends and family who live in another State or country? If yes, there is no doubt that you want to keep the communication lines open despite the length of distance. Thanks to telecommunications technology, communicating with our friends and loved ones is possible using a landline phone.

However, if your phone bills are starting to get in the way of your budget, it’s about time to find better ways to keep in touch. The good news is that today, consumers can make calls using prepaid wireless cellular phones. Unlike a landline or a planned cell phone package, prepaid wireless phones do not charge monthly flat rate costs. Instead, you only need to pay for the minutes you used with no additional fees or charges. What other advantages can you enjoy from using a prepaid phone? Consider the following points:

Enjoy lower call rates with prepaid phone cards.

Most wireless Carrier services charge calls per second, not per minute. Thus, calling long distance from a prepaid phone is generally cheaper than calling from landline. Prepaid call cards are also available in various denominations so you can purchase one that fits your budget.

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8 Benefits of Using A Prepaid Debit Card

Prepaid debit cards may not be as popular credit cards in the past years but that sure is changing. A lot of people are getting debit cards even if they already have regular credit cards. What are the benefits? Consider the following:

1. Set your own spending limit. Because prepaid cardholders are not given credit lines, they cannot be used for advanced purchases. That limitation can actually be an advantage. Decide how much you plan to spend with your debit card each month. Once you made the deposit, do your best to follow the plan. Don’t be tempted to make a new deposit when the cash in your debit account has been used up. Stick to your budget.

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How to Find The Best Prepaid Card

The best thing about prepaid cards or debit cards is that can be easily obtained even by people with bad credit. However, despite the easy application process, those who want to get a prepaid credit or debit card must make their choice very carefully. In this article, let us discuss the key factors that you should look for when finding the best prepaid card for you.

Protection Against Unauthorized Use. Make sure that your prepaid card issuer provides this very important feature. When using your prepaid card for online payment, you will be required to enter a PIN code. Never give out your PIN code to anyone else. As a precaution, see to it that the online merchant you are purchasing from uses a secured website.

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