Gram Credit

Prepaid Credit Cards – How They Work

A Prepaid credit card is a great alternative to a bank account. They were designed for individuals with damaged or no credit history.

This is how they work; you deposit funds into your account/card. Then you make purchases using your card. The funds are withdrawn from your account to pay for the purchases.

The most popular methods of depositing funds are direct deposit, money gram or western union. If you choose to use direct deposit it will save you money because you will no longer have to pay check cashing fees. Most cards will allow you to use direct deposit for free.

Many cards also offer Bill Pay. This will allow you to use your card just like a checking account. You can write physical checks to pay bills such as your cable, utilities, rent, you can also write a check to an individual. This can save you money because you will no longer need to pay for money orders.

Prepaid credit cards can also be used at ATM’s to access cash. With this card you will never pay interest or overdraft fees again.

Many cards also offer another feature called credit builder. This feature will record your payments made through bill pay. It then reports them to a credit reporting agency. This can be used to show future lenders your credit worthiness.

These cards will be issued as a visa or mastercard. This means your card will be accepted everywhere the visa or mastercard logo is displayed. You can also use your card online and over the phone. You card will not say prepaid on it so no one will ever no the difference between your card and an unsecured credit card or bank card.

The best part about a prepaid credit card is it doesn’t matter if you have bad credit, little credit or no credit. They guarantee approval for everyone. There is no credit check or chexsystems verification.

In sum, these cards are much safer than carrying cash and are used just like any credit card. They also can function just like a checking account and approve everyone.

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