Prepaid Credit Cards

If you have been turned down for credit cards before, these are the credit cards for you. These are pre-paid guaranteed approval credit cards, which means the credit limit is equal to the amount of money you put on the card. They provide you with instant approval and would also make great gift cards!

Prepaid Credit Cards - The Facts

The thought of a prepaid credit card has been around for a figure of years, but it's only now, with the degree of personal debt soaring, that it has really set outed to take off. But what is a prepaid credit card? How does it work?

The Basic Thought

If you're familiar with the thought of a prepaid telephone set card or a prepaid gift card, the thought won't be new to you. It's basically just a credit card without the credit. You burden money into your card business relationship and can then pass it using your plastic card as you would with a normal credit card.

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Resources for Prepaid Credit Cards

Prepaid Credit Cards

Wired PlasticTM Prepaid Visa® Card

Wired Plastic is the most advanced Prepaid Debit card available. It offers flexible pricing plans, an innovative Rewards Program and several convenient card loading options including; Free Direct Deposit, Bank Transfers and Instant Cash Loading at over 100,000 retail locations nationwide. With its powerful account management tools, cardholders can; use Click-n-Pay(TM) to schedule recurring monthly bill payments including rent, car payment, and utilities or use PersonalPay(TM) to send a check to anyone or transfer money to another account online or over the phone 24/7. They offer FREE customer service, online access, and wireless alerts. Plus you never pay NSF, overdraft or bounced check fees! Wired Plastic helps make your life easier!

The Many Benefits Of The Prepaid Credit Cards

You can think of a prepaid credit card as a loaded gift card that is good just about anywhere. The functionality of a prepaid credit card is really quite simple. It acts just like a normal credit card except it has a limit to it. Once you load up your card, it will be good anywhere the brand is accepted. Each purchase will deduct from the overall total until you finally run the card out. Some prepaid cards are able to just be reloaded, but others will just be used up.

The real question then just comes to why you should use a prepaid version. A prepaid credit card can be particularly handy for a wide variety of people. First, a prepaid card is great for a teenager who really needs to learn proper spending habits. Every parent should want their child to develop healthy spending habits that will greatly benefit them throughout their adult lives.

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Resources for Prepaid Credit Cards

Recommended Books on Managing Credit Cards

Credit Card Nation: The Consequences of America's Addiction to Credit

by: Robert D. Manning

Amazon Price: $18.98 (as of 11/11/2009)
List Price: $26.00

How You Can Profit from Credit Cards: Using Credit to Improve Your Financial Life and Bottom Line

by: Curtis E. Arnold

Amazon Price: $13.59 (as of 11/11/2009)
List Price: $19.99

Credit Card Debt:

by: Alexander Daskaloff

Amazon Price: $6.99 (as of 11/11/2009)
List Price: $6.99

Fraud Prevention Techniques for Credit Card Fraud

by: David A. Montague

Amazon Price: $23.95 (as of 11/11/2009)
List Price: $23.95

The Skinny on Credit Cards, How to Master the Credit Card Game

by: Jim Randel

Amazon Price: $10.17 (as of 11/11/2009)
List Price: $14.95

Prepaid Credit Cards

Horizon Gold Credit Card

When you apply for your Horizon Gold account, you are guaranteed to receive the $500.00 Credit Card. Don't wait, apply today!

AccountNow

AccountNow® Prepaid MasterCard® Card is a pre-paid card that can be used anywhere MasterCard® is accepted. It offers free direct deposit, free online bill pay and free credit builder.

First Plus Platinum

There Could be BIG changes in your future. How would you like a $7,500 Unsecured Credit Line? Imagine, you could be purchasing many of the items you've always wanted!

Prepaid credit cards: Future of finance?

Prepaid credit cards for those without bank accounts and teens without self-control have been available in the United States for years. Now, Visa New Zealand, in cooperation with that country's postal service, is taking the concept to a new level that promises a measure of protection from online identity theft, but also the prospect of abuse by young people looking to access adult services, and criminals needing a cloak of anonymity.

Moreover, Visa says these prepaid cards are becoming a "de facto" means of conducting commerce online. The company is anticipating the market for them will move well beyond gift-giving and those who otherwise cannot get regular credit cards.

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Resources for Prepaid Credit Cards

Popular Books on Personal Finance

Personal Finance For Dummies

by: Eric Tyson MBA

Amazon Price: $14.84 (as of 11/11/2009)
List Price: $21.99

Personal Finance

by: Jack R. Kapoor, Les R. Dlabay, Robert J. Hughes

Amazon Price: $75.04 (as of 11/11/2009)
List Price: $75.04

Get a Financial Life: Personal Finance In Your Twenties and Thirties

by: Beth Kobliner

Amazon Price: $10.88 (as of 11/11/2009)
List Price: $16.00

Focus on Personal Finance (The Mcgraw-Hill/Irwin Series in Finance, Insurance and Real Estate)

by: Jack Kapoor, Les Dlabay, Robert J. Hughes

Amazon Price: $95.27 (as of 11/11/2009)
List Price:

Personal Finance: Turning Money into Wealth (5th Edition)

by: Arthur J. Keown

Amazon Price: $123.65 (as of 11/11/2009)
List Price: $166.67

Choosing a Credit Card

Since each consumer's financial needs are different, it makes sense that there are different types of credit cards. Before you apply for a credit card, become familiar with the various kinds of credit cards to make sure you're choosing the best one for you.

Help Your Teen Learn to Manage Money with Prepaid Credit Cards

If you're trying to teach your teen to handle money or manage it more effectively, your answer may be as simple as whipping out the plastic - not your credit card, but a prepaid cash card.

What it Is and How it Helps

Prepaid cash cards (or stored value cards) look much like a credit card, but these cards must be loaded with money before they can be used to make purchases. That means before your teen can buy those cool jeans that she "just has to have," she must have cash to put on the card. "This can help teens learn the value of budgeting money," says Diane Giarratano, director of education for Novadebt, a non-profit financial management service. It can also be beneficial to parents. "Parents have more insight as to what their teens are spending their money on," she says.

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Resources for Student Credit Cards

Great Merchandise on Credit Cards

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Links: Finance Resources

Guaranteed Approval Credit Cards! (Prepaid Credit Cards): No Credit Checks, No Turn Downs! Our prepaid credit cards are perfect as gifts and for those who cannot get regular credit cards.
Student Credit Cards - Credit Card Providers For Students: Need credit but still in college or just graduated? Here are companies that will provide credit card for students.
Unsecured Personal Loans (Signature Loans): Unsecured personal loans available nationwide. Signature loans available up to $25,000. No down payment or collateral required. Good and bad credit approved.
Find the Best Business Credit Cards for your Business: Unsecured credit cards for people with good credit. These are reward cards with low interest rates, 0% interest, and lots of bonus miles.
Credit Report and Business Financing Resources: Credit Report and Business Financing Resources