~MAE THESSA'S PERSONAL BLOG~

Is the indispensable credit card all that it is purported to be? Sure it is a convenient tool in the exchange of goods and services and economy driver. On the other hand, it can cause a spiral in indebtedness – if you don’t watch your “charge it” habit.

It all depends on how you use a credit card. Buying or paying with cash is passé. Went the way of the dinosaur – EXTINCT! Convenience and security are a credit card’s hard sell! Small wonder there are more credit card users now all over the world than at any point in history! Amazing!

What’s not amusing is getting credit card approval. You need to go through the wringer of a credit check. Sure pain in the neck! No credit history, no credit card – seems to be the rule! Bad news for those just starting out in business or employment, or, with bad credit.

Sure there are operators offering “NO bad credit disapproval” come ons. It’s a trap! You’ll get the after-shock in the steep interest charges you have to dip into your pocket rip-off to maintain one.

Don’t despair! There is an alternative readily available.

Heard of prepaid Visa? It works just like a credit card. Psst! actually, it is a prepaid debit card which you use just like a credit card. How’s that again! Look, with a prepaid Visa card you can purchase goods and services, pay bills, withdraw cash – with the same ease and convenience of a credit card.

Wanted to know the edge of Prepaid Card over Credit Card?
Here they are:

1. Getting a Prepaid Card is so easy, it’s ridiculous! You only need to open an account.
2. Purchases or cash withdrawal (thru ATM) are directly debited from your account – the reason the Prepaid Card do not report to major credit reporting agencies.
3. Take note that since Prepaid Card is not a credit card, you cannot spend more than the balance you have deposited. Look at it as a buil-in “control mechanism” against getting into debt. Aha! Good for the pocket, right?

Creditscorequick.com has a portfolio of Prepaid Cards for your study and/or use. Access Creditscorequick.com and process all info – both pros and cons to make an intelligent decision.

Prepaid Card looks like a winner to me catering to a niche market. Reason enough why you can’t afford to let it pass you up, right?