 |
|
Prepaid Credit
Card | Top Companies: This Week's Reviews |
|
|
| Services Offered:
Prepaid credit card |
|
| Company Overview:
The silver prepaid MasterCard is offered by PreCash,
Inc. The company serves millions of consumers every
year, and offers cards to anyone over the age of 13. The
cards come with many free benefits and features, and a
low monthly maintenance fee. |
|
| Our Review:
PreCash has a great card. The program is great for
anyone that can’t get a regular credit card, or even for
parents who want their teens to have prepaid credit
cards so that they have emergency money or can learn
money management. The website is a little elusive when
it comes to getting information about the company, but
that doesn’t affect the service at all. |
|
| User Review:
I got a Silver card from this company, and I love it.
The fees are so low, and the places I can use my card
are endless. The best part is that no one even knows
that it’s prepaid. Everyone sees how fancy it looks, and
assumes it’s just a credit card, which makes me feel
good. |
|
|
|
| Services Offered:
Prepaid credit card |
|
| Company Overview:
Next Millennium has served thousands of customers since
they began a few years ago. They offer prepaid credit
cards with limits of up to $5,000. The company works by
offering a secured MasterCard that is backed by funds
that the customer puts into a savings account. The
savings account funds earn interest during the time that
the account is open. There is a 100% guaranteed approval
since the cards are prepaid, and no credit check
required. |
|
| Our Review:
Next Millennium has a great program for consumers. Like
other prepaid companies, they work with credit limits up
to $5,000 based on how much money you put into the
account. The customer service is great, and we love that
the account that secures the card earns interest. That’s
a great feature to have. |
|
| User Review:
I got a Next Millennium card about six months ago. I
love how affordable it is, and how easy the card is to
use. It’s helping me to better control my spending, and
rebuild my credit at the same time. I love it! |
|
|
|
| Services Offered:
Prepaid credit card |
|
| Company Overview:
AccountNow was established in 2004. They serve more than
40 million U.S. consumers that cannot get bank accounts
or other credit cards. They use a service that allows
consumers to build credit by paying bills on time, which
is then reported. Their services include FDIC-insured
deposits, debit cards, prepaid credit cards, online
account features, and even direct deposit. |
|
| Our Review:
AccountNow is another great prepaid credit card company.
Their cards are very popular, and offer an alternative
for those people who can’t get checking accounts with
traditional banks. The customer support is great, and
the website is easy to use. Plus, the application form
is easy to fill out and the card arrives quickly. |
|
| User Review:
AccountNow was the answer to my prayers. Everyone I knew
had a debit card, but I didn’t because I had defaulted
on a bank account. I felt like an outcast, but now that
I have a debit card account and a prepaid credit card
all-in-one, I can feel more secure in my financial
situation. |
|
|
|
| Services Offered:
Prepaid credit card |
|
| Company Overview:
The company was founded in 1998, and serves millions of
consumers who don’t have access to credit card accounts.
They have more than $3 billion in payments within their
network, and the cards are used at more than 35,000
retail stores around the world. The company is privately
owned, and offers solutions for any customer. |
|
| Our Review:
The company was founded in 1998, and serves millions of
consumers who don’t have access to credit card accounts.
They have more than $3 billion in payments within their
network, and the cards are used at more than 35,000
retail stores around the world. The company is privately
owned, and offers solutions for any customer. |
|
| User Review:
I got a card from Vision Premier, and I love it! It’s so
simple to use, the fees are low, and no one even knows
that the card is prepaid. The customer service
department was very helpful when I was filling out my
application, as well, which was a nice change. |
|
|
 |
Other Top Companies for
Prepaid Credit Card : |
|
|
|
|
 |
|
Prepaid Credit Cards and Their Fees: |
|
Prepaid credit
cards are great for many different purposes. They can be
used to control spending, for teenagers whose parents
want to teach them money management, and even for those
who can’t get approved for other credit cards. A prepaid
credit card can be a lifesaver, but it also comes with
its own disadvantages. Most prepaid cards will have some
sort of fees, whether those are loading fees or usage
fees. Also, some cards come with monthly maintenance
fees, which you pay just for using the account. To avoid
these types of charges, you should research all of your
options and find the prepaid credit card that has the
lowest fees or no fees at all. It will likely be
impossible to find a prepaid card that has absolutely no
fees, so you’re better off just looking for the ones
with lower fees. If you take the time to look around and
compare your options, you’ll easily see that there are
many cards that are very affordable and can offer
something for everyone. Don’t ever just apply for the
first prepaid card that you find, because you might be
missing out on a better card or a better deal. Also,
make sure that you don’t work with any companies that
seem shady or that aren’t willing to help you out with
your needs. If they are pushy in trying to get you to
sign up for a card, don’t trust them. If they are
considerate and willing to take the time to work with
you and help you out, you can be sure that it’s a much
better company to work with. Ultimately, you should
never rush into getting a prepaid credit card, because
you need to learn about what’s out there and what works
for you before you can decide which prepaid credit cards
are best for your specific needs.
|
 |
|
 |
