3 Things Everyone Should Know About Prepaid Credit Cards

Well, prepaid programs require cardholders to load money onto their respective plastic cards, before they can be allowed to charge their purchases and payments on their prepaid debit cards or credit cards. What you load on your cards is the only available credit or balance you can use. However to continuously enjoy the benefits of prepaid cards, card users are always reminded to monitor the available balances on their cards. If their credit or debit runs low, they have to replenish their card balances to avoid encountering declined transactions and paying declined transaction penalties.

 

Prepaid Dial91 cards are also multi-functional. You can not only use them to pay for your purchases and bills, you can also use them to withdraw cash from your savings or checking account, especially during emergency situations. The question now is who will surely benefit from using a prepaid credit card or debit card?

 

In the world of prepaid credit cards you have the good guys, the bad guys and the occasional guy who sits on the fence -- and you can never really be sure which way that guy is going to lean. How do you tell which card is which? If you're looking to use prepaid credit cards for purchasing power, there are a few things you need to keep in mind...

 

1. Fees, Fees and More Fees

 

Not all prepaid credit cards are created equal and nothing details this as well as the fact that the fees can vary so greatly from one card to the next. Prepaid credit card A, for example, may have a $25 start up fee and a monthly fee of $4.95 per month, while prepaid card B may only cost $10 to start up and may not charge a monthly service fee as long as the card is in use.

 

Make sure you compare all fees closely before deciding on any prepaid credit card. Remember, sometimes what you don't know can end up hurting you, and unexpected fees and charges are a perfect example.

 

2. Credit Reporting

 

If you're thinking that prepaid cards will help build your credit rating, you need to think twice. Almost all of the prepaid credit cards out there will do nothing for your credit. A secured credit card will report your activity to the credit bureaus, whereas prepaid cards will not.

 

3. You Can't Use Them Everywhere

 

Don't automatically assume you can use prepaid plastic to book a room at a hotel or rent a car. Many hotels will not accept prepaid credit cards as a form of payment, and many car rental companies are following that line of thinking. What prepaid credit cards are good for is making purchases online and paying for gas at the pump.

 

Why wouldn't you just use a debit card to do this because that exposes the bank account connected to your debit card to the dangers of the Web. A prepaid credit card does not pose this problem.

 

So remember when you're looking into prepaid cards, compare fees carefully and pay close attention to the terms and conditions from one card to the next. Also pay attention to the policies of the businesses that accept them.

 

Dial91 Prepaid credit cards definitely have their place in the world of plastic, but they are by no means a be-all-end-all credit card solution.

 

Posted in News | 998 Comments

 

 

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