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Prepaid Credit Cards Are Not Just For People With Bad Credit

Updated on July 12, 2009

The introduction of credit cards has totally revolutionised that way that we spend money. It has made it far easier and more convenient to carry out everyday tasks like paying for shopping, paying for bills, and making orders via the internet.

Some people are unable to qualify for a credit card so a new type was introduced to cater to their needs. The prepaid credit card is a card that you top up with money whenever you need to. You can then use it exactly as you would a regular credit card and receive the same benefits of convenience.

Anyone over the age of 18 can apply for a prepaid credit card but they are not only for people who can not get a regular bank card. There are other benefits that holing this type of card can give the user. Here are a few of those reasons.

Use Prepaid Credit Card For Online Payments

Some people are a little worried about making payments over the internet for certain products and services. They are happy to use a prepaid card because it is not linked to their bank account so if anything fraudulent were to occur, then the financial damage would be limited to the amount that was preloaded on the card. People can have a feeling of more security.

Prepaid Credit Cards For Teens

If parents want to give a card to their young teen then this would be suitable due to the limits that you can impose. One of the advantages of prepaid credit cards for teens is that it is a good way to help teach your child about the value of money. You can agree to add a specific amount to the card per week or per month and then monitor their spending.

Prepaid credit cards are not just for people with bad credit
Prepaid credit cards are not just for people with bad credit

Use Prepaid Credit Card While Traveling

This is an alternative to taking travellers checks with you when you go abroad on vacation. There is no need for the extra hassle of finding places that will accept the checks or having to take your passport with you as form of identification in order to process the travellers’ checks. A prepaid credit card is used exactly in the same way as a regular card and is accepted in the majority of places.

More Security If Card Is Stolen

If your card gets stolen, you have peace of mind that you will not be faced with credit card fraud. As the amount of money available is limited, the card will be rendered useless to a thief very quickly. It will still be distressing if this happens to you but you will not have to deal with thousands of pounds being taken from a card in your name or face the battle to get the money reimbursed by your credit card company.

Prepaid credit cards are not just for people with bad credit. There are many other benefits that can be gained for those who are looking for an additional bank card. Take a look at the different cards that are offered by the banks to see which one would suit your needs.


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