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Live Debt-Free that has a Prepaid Credit Card as well as Prepaid Debit Card

ukcreditcard — Sat, 23 Jul 2011 14:23:39 +0000

Live Debt-Free that has a Prepaid Credit Card as well as Prepaid Debit Card

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Home Page > Internet > Live Debt-Free that has a Prepaid Credit Card as well as Prepaid Debit Card

Live Debt-Free that has a Prepaid Credit Card as well as Prepaid Debit Card

Posted: Jul 28, 2010 |Comments: 0
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Everyone loves the opportunity a great deal, specifically in modern day overall economy. And debt settlement programs is actually topping to the food. A fairly easy Google search upon approaches to drain your savings and get rid of credit debt will present you with adequate treatments. Since the introduction of and prepaid debit cards, Us citizens tend to be as a final point debt settlement programs and achieving in advance.

What on earth is a new Prepaid Credit Card or even Money Greeting card?

Although a credit card is often risky, they’re often valuable. Maybe you are with out make the most fretting hand, must make an online purchase, produce an unpredicted charge and that’s come about, or another type pots plastic, a charge card will serve a motive at times. Also, settling a credit card by the due date plus in lump sums creates ones credit.

Because of prepaid credit cards and debit credit cards, you’ve got the ease of plastic as well as knowledge of which emanates from having to pay by using cash you’ve got. Particularly if you have built up less-than-perfect credit in the past, prepaid credit cards tend to be best because endorsement is actually certain.

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Why do you use a new Prepaid Credit Card or even Prepaid Debit Card?

An organization giving prepaid credit cards or even prepaid debit cards may appear much like an established financial institution; nonetheless, these corporations please don’t contain added rates the way in which a new financial institution does indeed. One example is, a new financial institution could charge clients if overdraft protection can be used, whilst these kinds of rates aren’t suitable having a credit card.

In simple terms, pay as you go credit and debit credit cards make it easier to create shrewd options when it comes to your dollars. Set Debit® is usually a money program that offers prepaid credit cards and prepaid debit cards; they’ve created staying inside of funds a straightforward, on-going course of action. Prepaid credit cards ensure people answerable involving your dollars, to enable you to quit being concerned about your financial plans you need to experiencing the people today and stuffs that matter many.

Ways to Repay their debts

If perhaps you have grown familiar with making use of a charge card frequently, it really is time for you to withstand the urge. A charge card is simply borrowed cash , them ought to be returned finally, even so the awareness rates make it close to not possible therefore. Should you have just about any credit card debt, get started having to pay them back right away. Try having to pay greater than the minimum amount payment per month, or even break up it straight into 2 obligations.

The subsequent significant shift is to begin using pay as you go credit and debit credit cards. Although do not go to a sizeable change in your financial plans right now, you are going to start reaping the advantages over your next quarter or so. Get out of the habit involving to spend of which wasn’t the ones you have; rather, method your allowance sensibly.

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To get additional info related to prepaid credit card and prepaid debit card visit at http://www.readydebit.com

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A business credit card debt was reported in my Personal Credit report as a O-9 (COLLECTION).Can a business debt that was open under my EIN be reported in my personal credit report? How can I remove it
I have over 50,000.00 in credit card debt. I am trying to find a legitimate debt relief company to assist me. I do not want to file for bankrupcy. Can you help please? I feel like I am drowning
What are credit cards and debit cards?

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Reloadable Prepaid Credit Card – Poor Credit Rating is a thing of the past with Prepaid Credit Cards

ukcreditcard — Thu, 21 Jul 2011 14:20:59 +0000

Reloadable Prepaid Credit Card – Poor Credit Rating is a thing of the past with Prepaid Credit Cards

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Home Page > Finance > Credit > Reloadable Prepaid Credit Card – Poor Credit Rating is a thing of the past with Prepaid Credit Cards

Reloadable Prepaid Credit Card – Poor Credit Rating is a thing of the past with Prepaid Credit Cards

Posted: Aug 08, 2010 |

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Having a reloadable prepaid credit card offers great benefits which leave you with a smile. Think back to the last time you opened your normal “usually” high interest credit card bill, only to notice money spent in transactions that you never actually budgeted for. You may well regret the purchases now, but the matter is that they still have to be paid for. This simple situation is quite common of how many people encounter credit card debt. However, there is a solution that can stop this kind of situation happening in the first place. By using a prepaid card; the above mentioned problem can be avoided.

Prepaid credit cards work in the same kind of way to your standard charge card, the only difference is that this type of card is not able to be used once the money has been used, but once it is reloaded with more funds; it is totally useable again just like a standard credit card. When you think about it, the benefits of using a prepaid card significantly outweigh any disadvantages that might be related to this type of card; especially when you consider the flexibility aspect. Depositing money, or reloading the card can be accomplished in several different ways. i.e. cash, from your bank account and funds can also be transferred from an existing credit card over to the prepaid card. As with any standard card, reloadable prepaid credit cards are accepted anywhere in the world. There really is absolutely nothing at all to lose, infact there is a lot to gain by enjoying the benefits, especially the no debt side of things.

A prepaid card will help you to only spend money that you can afford to spend, as your maximum spend is only what is currently loaded on the the card. If more money is needed to purchase something, then more money will need to be put onto the card. This give you total control and saves you completely from over and unplanned spending. This type of card has become very popular amongst people due to this reason, they are very budget friendly and save you from unwanted financial headaches.

Users of a reloadable prepaid credit card are provided with a monthly statement, giving the user the opportunity to see a breakdown of expenses etc.

Maybe you have bad credit and have been denied a credit card in the past. In this kind of situation; having a reloadable prepaid credit card can offer you virtually every benefit offered by a standard charge card; what’s more, having a bad credit rating or status will not deny you when using a prepaid card.

The card can be taken to all over the world and funds can be withdrawn from ATMs with no problem, and it’s great piece of mind knowing that your prepaid card is protected from fraud exactly like regular credit card is.

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Finding UK’s Best Prepaid Credit Cards

ukcreditcard — Tue, 19 Jul 2011 14:20:57 +0000

Finding UK’s Best Prepaid Credit Cards

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Finding UK’s Best Prepaid Credit Cards

Posted: Nov 25, 2010 |Comments: 0
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Prepaid credit cards are by no means something new. They have been around for a decade or so, but have begun to gain popularity only recently. However, their increasing popularity among consumers has resulted in a great variety of products and services on the prepaid credit card market. Therefore, finding the right provider for your specific prepaid card needs can be quite a challenging task. This article will look into the advantages and disadvantages of prepaid credit cards and how to find and choose a product that suits your needs.

The first question most consumers ask is what exactly is a prepaid credit card – well, a prepaid card is like a credit card that you can deposit money onto and then use for a wide range of purchases and expenses. In most cases, you cannot spend more money than you have deposited. As you can imagine, this is a great way of staying within your budget limits and not getting into debt and also represents a very effective way of teaching your children financial responsibility. There are, in fact, a lot more advantages of prepaid credit cards that include safety, security and kudos value amongst other things. A prepaid MasterCard, for instance, is not just a means of paying for your purchases, but also an excellent way to manage your finances. A prepaid MasterCard has all the advantages of using cash and none of its drawbacks and can be used at over 30 million retailers worldwide that accept MasterCard. Prepaid cards are an excellent credit card alternative.

There are usually no credit checks involved in applying for pre paid cards, which makes this option very appealing for those with a poor credit history or those without a bank account. Furthermore, with some prepaid cards, you even have the opportunity to rebuild your credit score whilst enjoying all the benefits of a plastic card, and the unbanked get to seize all the opportunities of shopping online and getting the best deals.

Another major advantage would be that most prepaid card companies do not charge an annual percentage rate on the money you deposit or spend. In other words, there is no interest rate or there are a number of cards where there are no fees to pay on your transactions. However, keep in mind that this is not a general rule, and that you cannot enjoy these benefits with all types of pre paid cards.

If you run a business and have not yet launched a prepaid card programme, you should know that there are many advantages to using prepaid cards within your business. These include the ability to pay unbanked or temporary staff, to manage business expenses successfully while on the move or at events, to reward and gift customers, to introduce incentive and loyalty schemes, to pay out insurance claims, and many more.

For the individual consumer, prepaid credit cards are an excellent option when you want to share money with family and friends, make purchases when travelling abroad, shop online in a safe and secure environment, take control of your spending, or provide your loved ones with a gift of choice. Prepaid cards enable you to do all this without ever having to share your personal details online, paying high cheque encashing fees or carrying unsafe cash in your wallet.

If you are interested in prepaid cards UK, there is definitely greater choice today with over 200 different prepaid cards available in the UK market for you to choose from and under these circumstances, choosing the right one for you, as a consumer, and for your particular needs and requirements can be a rather daunting task. Hence, it is not surprising that comparison sites providing reviews and comparisons of these prepaid cards remain the best place to find the best prepaid MasterCard or prepaid Visa card in an efficient and cost effective manner.

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Building Your Credit With a Prepaid Credit Card

ukcreditcard — Tue, 17 Aug 2010 14:20:42 +0000

One of the main reasons that some people get credit cards is simply based on the fact that they help build your credit history. We all know by now that if you don’t have a good credit score, you’re not going to be able to get a mortgage, car loan or even a personal loan. This is why it’s important to look for a card that reports to the three major credit bureaus. If it doesn’t, you won’t build credit.

Today, I’m going to show you how you can find a prepaid credit card that reports to the major credit bureaus. Remember that if it doesn’t, your prepaid card is going to be just like a gift card. The main reason people get a prepaid card is because it helps them with their spending. If you find yourself spending each and every month over your head, you may want to consider this type of card.

A prepaid card offers everything a regular card does. It will have a major brand, you can use it online and in the store and heck, 99% of the time, people don’t even know it’s a prepaid card. Now, you’re probably wondering how you can find one that reports. Well, this is actually pretty easy.

The way you can find a card is simply by looking at the application. A company will always boast when the card reports to the bureau. 99% of the time, they will tell you. This is a huge selling point and the companies know it. But if you’re looking at a card and it doesn’t say so, don’t worry because it may report, you never know. Just to make sure, call up the company themselves and ask. You will get a direct answer.

As long as you do your homework, you should be able to find the card that suits your needs. Find a card that reports and your credit history will be built up in no time. In the meantime, you’ll also be able to control your spending as well.

How can I control my spending?

Think of a gift card. Whenever you get a gift card, you get a card with a pre-set amount on the card. Once you spend that amount, you can’t use it anymore. The same works with a prepaid card. You can get money directly on your card. Once you spend that amount, you can’t use it anymore. So if you see a $100 pair of shoes and you only have $50 on your card, you won’t be able to use your card. If you think of it the other way, you can swipe your regular card until your arm falls off. But guess what?

When you get your bill at the end of the month, you’ll be surprised and this is what leads to debt.
Always make sure that you do your homework when it comes to prepaid cards. There are hundreds of cards out there. Look for the best one, make sure it reports and you’ll be using a card just like your regular ones.

Find prepaid credit cards that report to the major credit bureaus and more of Tom’s work all at FINDsecuredcards.com.

Avoid Financial Strain with a Prepaid Credit Card

ukcreditcard — Tue, 03 Aug 2010 14:26:16 +0000

Prepaid credit cards are becoming more and more popular. As Americans find themselves stretched to financial limits, these cards have become a way to avoid overspending.

A prepaid credit card works just like a regular credit card, except you have to pay before you use it. Such cards are available everywhere and offered by most major card issuers. American Express, Master Card, and Visa all offer prepaid credit cards. They even look so similar to their brethren that it’s hard to distinguish the prepaid card from the standard credit card.

You can make any type of purchase you would normally make with a regular card, however, some restrictions due apply. Generally, you cannot use a such card for hotel accommodations, airfare, or auto rental, as these purchases require your card to attach to your name, address and personal information for obvious reasons. Your card is anonymous, is doesn’t attach to your name or personal information in any way. Also, gasoline retailers often restrict prepaid credit cards because of the drive-away syndrome.

A prepaid credit card is a good option if you are in tight financial circumstances. Because you pay ahead (load the card), you can’t really purchase beyond your means and there is no balance to carry forward.

Apart from the restrictions we have already discussed there may be associated fees for your prepaid cards. Such cards also come in many forms. At the rear of your Pharmacy or in Wal-Mart’s somewhere you will find a display featuring various prepaid cards. These are offered for preset amounts and you pay that amount plus charges at the cashier while checking out. You might purchase a $20.00 prepaid card from the display. At the checkout this card will cost around $25.00 because of associated fees. Once you’ve paid your $25.00. However, you’re done. There are no more charges and no fluctuating interest rates.

Other types of prepaid cards are one you can load to amounts you decide upon. These cards are usually issued by one of the Major credit card companies like VISA, or Master Card. You generally receive the card after applying for it and including your first deposit on the card. The card is issued to you and you can use it for anything up to the amount left in your account less fees for use. These cards allow you the option of refilling, or loading, your card whenever you want. While there are fees for using the card, they are pretty clear cut and you should check them out and no the costs involved before making an initial deposit.

Using either of these types of cards is a good solution to stop overspending until you get your financial situation ironed out.

Credit card companies go on offering attractive rewards and cash rebates on their cards. You try to chase them all the time. In the effort you may go deeper into debt. Are you careful about your finances? Neglect will end your dream and lead you to bankruptcy. Chintamani Abhyankar suggests prepaid credit cards to reduce such dangers in this article.

Chintamani Abhyankar, is a well known expert in the field of finance and taxation for last 25 years. He has written many books explaining inside secrets of the magic world of personal finance. His famous eBook Stop donating your money to IRS which is now running in its second edition, provides intricate knowledge and valuable tips on personal finance and income tax.

Benefits Of A Prepaid Credit Card Or Bad Credit Card

ukcreditcard — Sun, 01 Aug 2010 14:21:09 +0000

If your credit is poor then a prepaid credit card or bad credit card can help you to overcome many of the problems associated with having no card at all. However, you must stick to your prepayment agreement or you really will have shot yourself in the foot.

The majority of people had their card revoked for not being able to meet the monthly repayments. The majority of people would also love to get a second chance because they believe they have learned a hard lesson. I know, because I was one of these people. At one time I had twelve cards and I was not managing any of them properly. Even though I had court judgments against me on some of these, and came to a low monthly payment agreement on others, I was still able to get a bad credit card and a prepaid credit card was also offered to me by several firms.

I had no idea of the importance of a credit card to modern life until I had none. Try to book a hotel by telephone, or book a show or even a vacation online without a card. Tro to book a vacation, hotel room or a flight with any card of some kind. Impossible! If you even enter a hotel and let the receptionist know that you are paying cash you will regarded as some sort of freak from outer space for not having a card to use, perhaps even a terrorist.

“No Credit Card Sir? Do you have some means of identification such as a passport? We don’t want the paintings stolen, do we?”Well may you laugh, but that is almost exactly what was said to me when I booked my wife and I into a Toronto hotel: We were told that if we stole anything from our room, particularly the paintings, that they would have no other means of billing us for them.

We had our passports, but we cut our intended week stay to one night because of this. Then I tried another hotel, and guess what happened there? Yes, you got it! Same thing! Eventually I made the decision that this was it, and I applied for a bad credit card which was immediately given to me without any investigation or problems, and I still have it now. Even though I have gold cards now I will never forget these days when the best feeling I ever had was to be given this bas credit card, and I still keep to remind me of my weaknesses.

I had a very poor credit record then, possibly as you have now, and that’s why I can probably understand your feelings now. Believe me, all is not lost. With a prepaid credit card you can pay things you can’t pay with cash: online purchases, hotel bookings, shows and anything else that you cannot do without a card. When I applied for a bad credit card I got it without any problems: the credit limit was only equivalent to $500, but that was fine for hotel bills and theater bookings.

The companies that provide these cards know the score, so they don’t carry out pointless credit checks – they simply offer you the card and then it’s up to you. It is just like being given a new start in life – but you have to take it. The interest rates might be higher than normal, but they will have less of an impact if you pay your bill in time.

If you have to make online bookings such as flights and hotel rooms, or sometimes even pay these bills in front of your business colleagues (Look, Bill’s using cash – his credit must be very poor’)then you won’t have that shame if you have a bad credit card or prepaid credit card.

Each one of these has specific advantages: the prepaid credit card costs money to use and the bad credit card charges a higher rate of interest. They wil contact you immediately you miss a payment, although you will be left alone if you manage your account as you should do.

In each case, you can pay the bill and pull it out in front of your buddies (the credit card!) without any embarrassment. There is no doubt whatsoever, and I can say this through personal experience, that if your credit is poor then you should at least have a prepaid credit card if not a bad credit card with enough credit on it to enable you live a normal life without the embarrassment of not being able to pay anything in any way except with cash.

So, if your credit is shot, make sure that when you pull it out it is something that your colleagues will not gasp at, but will not even notice: a card, whether that is a bad credit card or a prepaid credit card is immaterial. It’s what they expect to see, and that’s all you have to bother about.

There are other benefits of using a bad credit card or prepaid card if you have poor credit, so visit Pete’s site at Global Credit Guide to find out more about how you can resolve these problems once and for all.

Why we use Prepaid Credit Cards

ukcreditcard — Sun, 01 Aug 2010 14:21:08 +0000

Is your application for credit card rejected because of your bad credit rating? Do not worry. Prepaid credit cards have a solution for you. Although people with good credit rating can also benefit from a prepaid credit card, it is a boon for those who have a poor credit history.

A credit card for everyone

A prepaid credit card is issued on the basis of money that you deposit in your bank account. You can make withdrawals or payments through these kinds of credit cards till your bank balance is not exhausted. After that you have to refill your banks account with more money that you can use through your credit card to pay your expenses. As these cards are prepaid and the bank does not have any risk of bad debt, even people with a bad credit rating can get this card.

Save you from bankruptcy

A normal credit card allows you to make payments even if you do not have any balance in your account. Most of the people loose track of the amount of expenses they have incurred. A credit card provides liquidity in your hands and many of us get induced to spend much more than what we can repay. Heavy interest charges and financial indiscipline in spending money can lead to bankruptcy. There are no such problems in case of prepaid credit cards as we have paid for everything in advance.

Low charges

Unlike normal credit cards; a prepaid Mastercard, prepaid Visa card, or any other prepaid credit card have very low interest charges attached to it. Many banks do not even charge any interest on a prepaid credit card as you are using your own money that is deposited in the banks in advance. Usually, you are only required to pay a certain fee when you buy a credit card. Then, you have to pay charges for depositing or refilling money in your bank account. The benefits offered by a prepaid credit surpass the charges that are to be paid to maintain it.

For More Information about credit cards, prepaid credit cards and prepaid Mastercard, please visit our website at http://www.compareprepaid.co.uk

To Buy a Prepaid Credit Card – Ideas About How to Root Out a Top Offer

ukcreditcard — Fri, 30 Jul 2010 14:27:01 +0000

Section 1

Before we suggest to you how best to buy a prepaid credit card, many people will have just been informed by a chum or a money advisor to do this, so allow me first describe what a prepaid credit card comprises.

What is a prepaid credit card? As sometimes employed in the English language, “prepaid” and “credit card” are a reversal in terms. “Prepaid” means you have paid for something before taking invoice of it and will not be getting a bill asking for payment later. Whereas, “credit card” means that you are going to be putting the purchase on credit and the lender (issuing bank) will supply the funds to the merchant. Thus the commonly used term “prepaid credit card” might be considered an paradox.

It is like a bank debit card as it is accepted any place that a major credit card is honored, even online! Unlike a debit card, a prepaid card is not attached to a particular bank account.

There are several good reasons to employ a prepaid card. Which as an additional benefit means there will be no finance fees. If you have any credit or bad credit, some of these cards can aid in building or fixing your credit rating because they account for to the major credit firms. Other ones give rewards. If you are inclined to overspend, using one of these cards can help manage your expenditures as you set the expenditure limit with the cash you decide to load on it.

Besides being an alternative way for you to buy your own items, do not forget that they can make a superb present too! Some card issuers even will put a greeting message on the card for you, like “Happy Birthday” or “Merry Christmas” together with other witticisms.

Methods Used to To Buy a Prepaid Credit Card – Techniques Used to Seek Out a Great Deal

However, they will have some other sorts of charges related to their use. The costs that may be applied to the card might be application, activation, yearly membership, monthly service, ATM and over-the-limit fees. Others only provide protection if the transaction was for a signed invoice purchase and not a PIN transaction.

You can fund your card with cash; check, credit card, electronic funds transfer from a savings or checking account and even payroll.

Before acquiring a prepaid Visa or Credit card , be certain you are conscious of all the conditions that apply to it. Your private situation is unique to you.

Now to help with a way to buy a prepaid credit card with some specific recommendations, not just another site, like a prepaid credit card web site. The fact is this is sort of hard in an article like this which is static and things are continually changing in this industry. The solution is to visit a consultant blog like the one available in Part 2.

For part 2 see link below or above.

Hi! For Part 2. Your article author has put together a great web site for you, all about how to choose and buy a prepaid credit card. Get the best info! Click the link in the previous sentence! Go there now!

Prepaid Credit Card Application FAQs

ukcreditcard — Wed, 28 Jul 2010 14:23:06 +0000

If you are about to make a prepaid credit card application it’s likely you will have a number of questions. This short article will answer your main concerns.

What are Prepaid Credit Cards?

Prepaid credit cards are not a credit card as such, as no credit is offered by the card issuer. Money is placed, or “topped-up” on the card first and you can only spend what is available on the card at any one time. But, they carry a credit card brand (Visa, MasterCard, American Express or Discover) and can be used in the same convenient way as a normal credit card.

Who Are Prepaid Credit Cards For?

The short answer is anyone can apply for and use a prepaid credit card. There are no credit checks so, they are particularly useful for young people, teenagers or students, who have not yet built up a credit rating, or people with a poor credit history. But they can also be ideal for people who simply don’t want to run the risk of running up a large outstanding credit balance. They can be used for learning budgeting skills and can even be given as gifts.

Are There Any Charges On Prepaid Credit Cards?

Yes, of course, but as you can only spend what is already available on the card you will not incur any debit interest charges. Charges are typically for: the initial issue of the card; an annual or monthly fee; transactional charges. In nearly all cases the charges are small and dependant on how you want to use the card. For example, some cards have a monthly fee but with minimum transaction charges. Other cards are ‘pay as you go’ in which case there may not be a monthly or annual fee but you will be charged per transaction. You should, therefore, carefully consider how you will be using the card and then shop around for the best deal for you. You may also be charged if you make any transactions with the card that subsequently fail for some reason.

What Can I Use Prepaid Credit Cards For?

Pretty much anything that you would with a normal credit card (provided sufficient funds are already stored on the card.) You can shop on or offline, book travel and hotels, etc. even pay certain bills on some cards. Indeed, some cards act more like bank accounts. You can have your salary / wages paid into the card account and also set-up direct debits, etc. They are very flexible but remember there will likely be a charge for such transactions dependant on the card conditions.

Are Prepaid Credit Cards Safe?

Yes, in fact, in many ways they are even safer than normal credit cards. The amount available on the card at any one time is limited to the balance stored on the card and not a (likely to be) much larger credit card limit. Also many cards allow you to store your money off the card in a related Eaccount. In this way you can ensure that the card is only charged up with what you need on a day to day basis.

So, if you on the point of making a prepaid credit application I would certainly recommend them. They are safe and convenient and a great way to manage your budget.

Dave Nichols owns cardswithrewards.com a website dedicated to finding the right Credit Card for you! To find out more about Prepaid Credit Cards and view prepaid credit card comparisons, side by side, visit the site today!

Prepaid credit cards explained

ukcreditcard — Mon, 26 Jul 2010 14:21:18 +0000

If you’ve ever used a store gift card, then you’ll understand how a prepaid credit card works. The concept is very simple: a prepaid credit card is pre-loaded with your own money, so you are only able to spend up to a pre-determined, set limit. These cards can usually be used virtually anywhere that a standard credit card is accepted.

Prepaid credits work in exactly the same way that a regular credit card works. To pay for your item or service, you swipe your card and then either enter your PIN (which is supplied with the card) or sign the receipt. The total amount of the transaction is then withdrawn from your card immediately.

The main difference between a prepaid credit card and a normal credit card account is that with prepaid card, you are dipping into your own money, rather than using funds borrowed from your lender. Therefore, you can only use the card until your pre-loaded cash runs out, or until you top up the account. Funds can be loaded onto your prepaid card by cash at your bank or at the Post Office, via bank transfer, or via payment from another credit card.

A prepaid card looks like a regular credit card, and can be used to buy all sorts of everyday expenses, including petrol, groceries and bills. Prepaid credit cards are particularly useful, however, when you’re shopping online or overseas.

Some online retailers and service providers, such as certain airlines and hotel websites, only accept payment via credit card, and a prepaid account allows you to shop on their websites without needing an active credit card account.

The other benefit of a prepaid credit card is the flexibility it provides for certain people and situations. For example, if you’re new to a country and you haven’t yet built up a credit rating – or you have a history of bad debt, and you’re starting your credit record from scratch – a prepaid credit card could help you build your credit file.

Also, if you’re going on holidays, a prepaid credit card offers you the opportunity to load a certain amount onto your card, so you can avoid paying foreign currency exchange fees – and so you can stick to your pre-planned budget!

With prepaid credit cards you will not be subjected to any credit checks, so you can usually get signed up for a card instantly. Just watch out for the fees: some providers charge a card application fee on top of monthly service charges, cash load/deposit fees and withdrawal/purchase fees, so it pays to shop around for the best credit card deal.

Peter Carville is a freelance article writer who writes for Financial Facts about the current financial news and the credit crunch.