All you have to do is load some money on the card and you are ready to go. It is easy to load
money on a prepaid Visa card and can be done almost anywhere including places like grocery
stores or even the US Post Office. You decide how much money you want to put on the card and
you control your credit limit because of this. If you have bad credit, you do not have to worry
about this. Your current credit history has not effect on your ability to get a prepaid card.
You do not have to worry about over spending because you cannot spend more than you have put on the card. For those who have some difficulty with budgeting, this tool can be a great learning tool. If you have teenage children and want to help them learn to manage their money, the prepaid Visa card is a great tool to help them prepare for dealing with their financial future.
When traveling in other countries, you can avoid carrying cash or traveler's checks by using a prepaid card. Students at college can also take advantage of a prepaid card as well. Parents can put money on the card when necessary and the student will have the money they might need to cover unexpected surprises.
A prepaid Visa card has so many advantages that you should consider using it to help get past problems that you might have had in the past or use it to help you to budget money more effectively. Check out the prepaid card and see how much you can benefit from using one.
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WWW.credocard.com/
Credocard is the industry leader for co-branded debit card programs, white label programs,
software and payment integration platforms and turnkey payment solutions
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What's the best credit card for a student with no previous credit history?
Hi, I am trying to get my first credit card. So far the best cards I have found are a student Visa and a student Discover card. The Discover card has a 3% lower interest rate, but I wasn't sure if it would be as easy to use as Visa. Also if there are any other cards recommended- student or otherwise, for someone who has no credit. Thanks for the advice.
Answer
You should start with a Department store card like a JC Penney's or Kohl's card. (Even a Sears card would be good, but now it has a Mastercard logo on it and can be used anywhere).
Those are good because they are department stores where you can buy some nice stuff like clothes and not get too carried away charging gas, groceries, coffee, student loans, etc. and get in over your head.
Get a card with a low balance (like $300 or so) and buy a few things you normally would pay cash for. Then pay off the balance right away.
You'll get into the groove of paying your bills on time and you won' t be too overextended.
Then one month, pay only a minimum balance and let the balance carry over to the next month and pay it all off the next month.
Once you do that some, over time, you'll prove to lenders you are worth the risk and you'll qualify for better cards at better terms.
If you just jump right out and get a big VISA card, etc. you will be very tempted to get in overhead and them BAM its too late.
Be reasonable and you will be rewarded.
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