Pre Paid Visa Cards Offer Credit Card Convenience

2007-11-26 10:11:20

( Financial )



If you are unable to qualify for a traditional credit card, you may consider getting pre paid visa cards or pre paid master cards available in the market. By using any of these cards, you continue to enjoy the convenience and privileges associated with a credit card and minimize the risk of carrying cash.

There are several types of pre paid visa cards or pre paid master cards that you can obtain from any participating provider: pre paid credit card, pre paid debit card, and pre paid gift cards. There are variations on these cards; for instance, there are special pre paid visa cards for teens, and pre paid visa cards intended to facilitate payroll payments.

Pre paid gift cards are particularly useful when you want to give a person a gift but you are not sure what present would be suitable. You can purchase this type of pre paid debit card and give it instead. The recipients will be able to choose the items they really like. They can spend only up to the amount you purchased. If they want an item that exceeds the amount on the card, they can just add some of their own money, but the important thing is they get exactly what they want.

Pre paid debit cards function a little differently. You can purchase an amount to be placed on the card and spend only up to that limit. But if you are traveling and you need to top up the card, you can arrange to reload the pre paid debit card. One of the best options is to do it online, and arrange for funds to be transferred from your bank account or regular credit cards. Payroll cards are prepaid debit cards, but your employer can directly transfer to this card the payroll credits you earn for a certain period.


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