A Prepaid Visa Debit Card: The Better Choice for Consumers
July 22nd, 2010 | 
Author: Outlined below are just a few (of the many) benefits of prepaid Visa debit cards that are often overlooked.
No Debt
This fast paced world filled with enticing credit card offers has millions of people in debt. With a prepaid card, the money on the card is your hard earned money. The routine of swiping a credit card carelessly can be extremely detrimental. When using a prepaid visa debit card, your mind set is different than with the credit card philosophy of “buy it now, pay for it later.”
Free Direct Deposit
As with traditional banking accounts, you can have part or all of your pay checks directly deposited into your debit card account. Additionally, you can set up direct deposit for social security payments and other government benefits. If you don’t have a bank account, paycheck cashing services can be expensive and a hassle to get to after work. With a prepaid visa debit card, the deposits are free and the money from your pay check is automatically placed onto your card.
More Secure than Cash
Whether you’re going on trip or simply don’t like the hassle of carrying cash, a prepaid visa debit card has proved safer time and time again. Your card, account, and pin numbers are unique so they can only be accessed by you. Carry a small and discrete card instead of a wade of money. If your card gets stolen or lost, you can cancel it and transfer funds easily, if your cash gets lost or stolen, you are simply out of luck.
Pay Bills Online
Why mail a check or go directly to a merchant to pay with cash? The internet has made paying for almost any bill online fast and reliable, as it should be. Take advantage of this and use your prepaid visa debit card to pay for your gas, telephone, or electric bills. Many times you can remove the hassle associated with bill paying, such as getting the payments in on time or budgeting for the bill cost, by using a prepaid visa debit card.
Convenient (use anywhere Visa debit cards are accepted)
Often, people think that not having a traditional bank account will take away some of their freedoms when it comes to the ease of spending money. Almost anything you can do with a standard banking account, you can do with a prepaid debit card. You can get cash from ATMs worldwide and add money to your card with most checking and savings accounts. With a prepaid debit card, you will never be inconvenienced. From bank transfers, to online shopping or renting a car, there a variety of prepaid Visa debit cards allow you to spend your funds, any place, and any time.
No Surprises
Banks change account plans and have stipulations buried within their contracts. With a prepaid visa debit card, there are no hidden fees and no interest charges. You’ll always know where you money is located without being charged a fee to keep it safe and secure. Unlike traditional debit cards, you won’t have to worry about overdraft fees; you can only spend the money loaded onto the card. You can check your balance 24/7 online, via text, or with a customer service representative, so there are never any surprises when it comes to your money.
Michael is currently a 4th year accounting student at the University of Texas at Austin. He is particularly interested in business finance and debt. Additionally, he is writing his thesis on prepaid debit cards prepaid credit cards for teens, distinguishing how young people learn the importance of handling their money only by hands on experience.
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Great site. A lot of useful information here. I’m sending it to some friends!
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There is certainly a single additional great cause not to compete on value. Men and women usually value points which can be costly. It’s a curious aspect of human psychology that if we think some issue is valuable, then it’s. Conversely, must you place a low charge tag on some issue, persons perceive it as becoming junk.
The bankamericard platinum visa has a point system for online shopping, so that’s pretty cool. they also have ones for flying miles, gas gallons, and such… you can also get custom pictures on your credit card too.
Try a gas credit card, like Shell of Chevon, they will usually give you one, although I’m not sure if they report to the credit bureau to give you a credit history. Or try a prepaid credit card. Don’t worry, in time you will be getting plenty of offers.
Your score is bad, since you do not have an account with the credit union you cannot get a loan. Try opening an account with them first. With your score the interest rate will be horrific
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more than likely if there different sizes the masses would be different which should probably affect it a bit, probably not a significant amount though.
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You are using a VPN client that does not allow ‘split-tunneling’ and ALL your traffic is being forced over the tunnel to the remote network. This is done for security reasons. It’s possible to disable split-tunneling depending on the client, but it needs to be done by the VPN administrator.
You might have violated Facebook’s terms of use or service, which will temporarily or permanentally lock your account. Check your email account registered to Facebook. If you can’t find any information through email, you’ll have to contact Facebook directly.
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You’re right. Even as bad as Pelosi and Reid are, they are still the best leaders either party has to offer. That’s just how bad Congress sucks right now.
we would actually need a picture to tell you for certain, but some come with an optional foot pedal, meaning you have to buy it separately and attach it, others do embroidery for you, but i am not sure if any sewing machine is self sufficient