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using prepaid debit cards

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Using prepaid debit cards
Some consumers are starting to see how prepaid debit cards can provide you with so much convenience. Although credit cards are also useful, there are a few benefits a prepaid debit card have that credit cards don't. You can use Visa prepaid debit card in all of the places you can use a credit card too. Wherever Visa is honoured whether it is online or in the real world you can make purchases. There are literally thousands of Visa vendors all over the world you can buy from. It's safe to online or in person. Since you control how much money is in your account, you can keep a minimum to lessen your risk of exposure to thievery without fear of penalty. The road to recovery is in your hands and using Visa debit cards is smart.

Here are some of the benefits of using prepaid debit cards

  1. Set your own spending limit. Because prepaid cardholders are not given credit lines, they cannot be used for advanced purchases. That limitation can actually be an advantage. Decide how much you plan to spend with your debit card each month. Once you made the deposit, do your best to follow the plan. Don't be tempted to make a new deposit when the cash in your debit account has been used up. Stick to your budget.

  2. Safer for travels and shopping around. Having a prepaid card instead of bringing large cash in your wallet is safer. You can use it to buy souvenirs, pay at diners or car rental services. You can even use it to buy your plane ticket. However, just like a credit card, a debit account can be frozen in case the card is misplaced or lost. All you need to do is call issuer immediately.

  3. Avoid bad debt. It's not a credit card so you can only use it for shopping if you have existing funds in your account. Purchasing items using a debit card means you won't need to go through repayment. The purchase will be automatically paid using the money in your account.

  4. No credit check. People with no credit history or has bad credit history can still enjoy having prepaid cards. Your credit report will not be checked upon application. There is no risk of rejection.

  5. No monthly bills. As the name suggests, the card is prepaid, so you won't have to worry about monthly bills sent to your mail or debt collection in any way.

  6. Have cash withdrawals from any ATM at any time. If you need cash, you can simply go to the nearest ATM in your area and withdraw from your debit account. Parents can use prepaid debit cards for sending cash allowance to their kids.

  7. Can be used locally and internationally. Prepaid cards with MasterCard or Visa logos are accepted in all States of the US, UK, and many other countries worldwide. Leading merchants and even small business establishments today accept this method of payment both offline and online. Prepaid cards have great benefits.
    Being in control of your own finances will keep you from falling further into the perils of bad credit and with Visa prepaid debit cards you can even start to repair your credit. Since you can't overspend, you won't be subject to any more hits to your credit score, especially if you use your Visa prepaid debit card for all your purchases. Showing fiscal responsibility and the desire to get back on track will go far in repairing your credit

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