ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Instant Visa Prepaid Credit Cards

Updated on May 17, 2013

Why Use a Prepaid Visa Credit Card?

Instant Visa prepaid credit cards - are they worth it? What are the benefits to using a credit card with your own money as collateral?

In my case, having a Walmart prepaid Visa credit card has helped me reign in my expenses and helped me avoid those dreaded overdraft bank fees. Having a prepaid credit card has also eliminated over limit charges on my accounts. Although prepaid credit cards have been around for awhile, I just started using one a couple years ago. I have no intention of going back to traditional credit cards!

I got my prepaid credit card instantly at Walmart, and have used it now for over two years. I track my Visa credit card online at a secure website and my balance is always available at almost any bank ATM. I can also get my account balance by text or by phone. Very simple and works well for me!

Dorsi - Walmart prepaid visa credit card
Dorsi - Walmart prepaid visa credit card | Source

Prepaid Visa Credit Cards - a Good Alternative!

There are some people that don't agree with using your own money on a prepaid credit card. I prefer this though because I would rather carry a credit card instead of cash. I am also tired of being overcharged by banks. Using a credit card that I control costs on puts me in charge - not the bank . I have owned just about every traditional credit card there is - and found that the cost of using those traditional credit cards was very expensive in the long run. Changing percentage rates along with associated fees left much to be desired (and btw some food for thought - over 150 banks closed in 2010) That fact alone causes me to pause and wonder about our banking system, especially in today's economy.

There are many ways to get an instant prepaid Visa credit card - you can get one online, at many retailers (especially check centers) or you can get one at Walmart like I did. I use my prepaid credit card to pay bills, make purchases online and to occasionally draw out cash. There is a small fee to upload. There is also a small charge for some transactions but this fee is minimal compared to what I used to spend with my traditional credit card.

Prepaid Visa Credit Cards vs. Traditional Credit Cards

Will I ever use a regular credit card again? Perhaps, but I have no intention of doing so for a very long time. I have found that using a prepaid credit card has helped me be more frugal. I have learned to work with what I have in my budget, instead of borrowing expensive money from a credit card company (because that's what you are doing when you use your credit card - you are borrowing money) And its helpful to think about that - do you really want to borrow money for something you honestly don't need?

Our great grandparents and even some of our parents hid money under their mattresses - probably for some very good reasons. Perhaps it's time we start taking some tips from the older generation - living more frugally and within our means?

Using prepaid Visa credit cards and getting approved for an instant prepaid credit card are one way we can start getting out of debt.. Unless you want to hide your money under your bed mattress, but hey, what if your house burns down?

I like the prepaid plastic myself!

(Dorsi Diaz is a freelance writer and publisher who writes about a variety of topics including living frugally, kids,health and topics of the day)

Poll on Prepaid Credit Card Use

Have you ever used a prepaid credit card?

See results


Submit a Comment

  • Dorsi profile imageAUTHOR

    Dorsi Diaz 

    7 years ago from The San Francisco Bay Area

    Thanks for the info on NetSpend Phil. I hadn't heard of them!

  • Phil The Gain profile image

    Phil The Gain 

    7 years ago from Planet Earth

    Prepaid cards are great if you get the right one. I hate the ones with monthly fees. I prefer Netspend because I don't have to pay the fees.

  • Dorsi profile imageAUTHOR

    Dorsi Diaz 

    7 years ago from The San Francisco Bay Area

    @msms) You are so right...oh the irony of it all, huh?

  • msms profile image


    7 years ago

    Credit card and frugality - do not g together Dorsi, Credit card has become in a way our financial identity card. We may use it to get credit or over use it to pay high interest or abuse it when we overspend.. Credit card is a tool that can help us and kill us. strange bed fellow

  • Dorsi profile imageAUTHOR

    Dorsi Diaz 

    7 years ago from The San Francisco Bay Area

    @Uninvited Write) Susan, that's kind of high. You might want to try Walmart. Nice to "see" you again!

  • Uninvited Writer profile image

    Susan Keeping 

    7 years ago from Kitchener, Ontario

    I got one from Redgage. They charge $2 per use and 3% of the purchase price of the item.

  • Dorsi profile imageAUTHOR

    Dorsi Diaz 

    7 years ago from The San Francisco Bay Area

    @hello,hello) lol..I agree! Would like to see some of that tree money too!

    @ocbill) Thanks for reading and glad it works for you too.

  • ocbill profile image


    7 years ago from hopefully somewhere peaceful and nice

    Yeah, for my purposes it is good for subscriptions or multiple online transactions. And the $5 fee is less than a credit card company charges.

  • Hello, hello, profile image

    Hello, hello, 

    7 years ago from London, UK

    I hope the slogan - Money grows on Hub - is true. I had a few pence but I hope it will grow. Sorry I got sidetracked. Prepaid Credit Card i a very good idea and thank you for sharing.

  • Dorsi profile imageAUTHOR

    Dorsi Diaz 

    7 years ago from The San Francisco Bay Area

    izoooom)Thanks for the tips and for stopping by to read!

  • izoooom profile image


    7 years ago from United Kingdom (for now)

    Great hub.

    They can be great if you can work with the fees. With some pre-paid cards, if you don't load it, no fee is charged i.e. you are not using it hence no services.

    This way you may plan out your purchases and load the card as needed especially for online or travelling where your debit card can be more subject to risk.

  • Dorsi profile imageAUTHOR

    Dorsi Diaz 

    7 years ago from The San Francisco Bay Area

    @2besure)My Walmart prepaid visa card fees are minimal. There are probably some cards though that charge more, like the one you recieved. Thanks for stopping by and commenting!

    @onceuponatime66) Good idea. I use mine for online purchases too.

  • onceuponatime66 profile image

    Jackie Paulson 

    7 years ago from USA IL

    The reason I have one is so that I can pre load the amount of money I want so that I can make online purchases. This protects my identity,

  • 2besure profile image

    Pamela Lipscomb 

    7 years ago from Charlotte, North Carolina

    I received a prepaid credit card in the mail the other day. I threw it out. They have fees that eat away at you money. I do know people who don't have a debit card that use them.


This website uses cookies

As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

Show Details
HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
LoginThis is necessary to sign in to the HubPages Service.
Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
AkismetThis is used to detect comment spam. (Privacy Policy)
HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
MavenThis supports the Maven widget and search functionality. (Privacy Policy)
Google AdSenseThis is an ad network. (Privacy Policy)
Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
Index ExchangeThis is an ad network. (Privacy Policy)
SovrnThis is an ad network. (Privacy Policy)
Facebook AdsThis is an ad network. (Privacy Policy)
Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
AppNexusThis is an ad network. (Privacy Policy)
OpenxThis is an ad network. (Privacy Policy)
Rubicon ProjectThis is an ad network. (Privacy Policy)
TripleLiftThis is an ad network. (Privacy Policy)
Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)