Prepaid Cards - Prepaid Debit Cards
Prepaid and debit cards offer the convenience of a card without the hurdle of a credit check. Because money is debited directly from your account, these cards do not report to the major credit reporting agencies. The prepaid debit cards are not credit cards.
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tips & advice
What is a prepaid card?
Prepaid cards, sometimes also referred to as prepaid debit cards, are cards that are pre-funded with your own money. To be clear, prepaid cards are not credit cards - no credit is offered by the card issuer. Although they do use payment networks like Visa and Mastercard, when the cardholder uses their card for a purchase, they are spending money that they already "prepaid" or loaded onto the card.
After all the money on the card has been spent, you must load more onto the card to continue using it. Many prepaid cards offer direct deposit and bank account transfer features for loading funds. Prepaid cards often appeal to people who want to avoid the hassle of monthly payments and interest rates of credit cards, but enjoy the convenience of paying with plastic.
Prepaid cards do not impact your credit rating, and they do not report to the major credit bureaus. Also, read the fine print and be aware of any prepaid card fees, such as activation fees, monthly maintenance fees, and ATM use fees.
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FICO scores and credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card offer.
*For complete information, see the terms and conditions on the credit card issuer’s web site. Once you click to apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While Credit.com always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
