International Prepaid Credit Card

  International Prepaid Credit Card  - For bad credit people prepaid card will always score over credit card  - May 26, 2007  

There has always been a debate about which of the two viz. the prepaid card or the credit card is better? Though each one of them has a range of benefits and a huge fan following, but here we present a case for prepaid credit cards. In this article we will look how a prepaid card scores over credit cards especially if the owner has a not so perfect credit history.

The rejection is non existent in case of prepaid credit cards, there are no credit checks, no employment verification, and approval is guaranteed.

With a bit of dilligent shopping and comparision of various prepaid credit card offers, it is not difficult to find a prepaid card with no annual fees, no late payment fees, no repayments, and no penalties whatsoever. So, the ownership costs of a prepaid card can be negligible.

With prepaid cards it is very easy to promote financial discipline. Since you can only spend what you have, there is no overspending, and hence no debts.

Some prepaid cards do report their use to major credit bureaus and hence are a good instrument to rebuild credit history.

Prepaid cards have wide acceptablility, and in some cases they are even more readily accepted than credit cards.

So, if you a bad credit and are constantly ripped apart by credit card companies, have a look at prepaid card offers in the market. You won't be disappointed with the results.

  International Prepaid Credit Card  - Know the various fees associated with All Access Prepaid Visa Card  - May 24, 2007  

The All Access® Prepaid Visa® Card gives you the simplicity and the convenience you need to manage your finances. All Access is more than just a card - it's a full service account that takes care of all of your financial needs in just one place. With all its good features there are certain fees to be paid when you own and use this excellent prepaid card. In this article we take a look at the various fees associated with All Access Prepaid Visa Card.

Some prepaid card charge an annual fee for ownership. A big plus with theThe All Access® Prepaid Visa® Card is that it has no annual fee. This will help the owner save some money. Prepaid cards are frequently used to withdraw cash from ATM's. If you withdraw cash using U.S. ATM's by your All Access® Prepaid Visa® Card the cash advance fee of $2 will be charged and if you are using an international ATM for the same purpose $4.95 will be charged for every transaction. When you apply for The All Access® Prepaid Visa® Card there is an application fee of $9.95 to be paid. When you participate in the All Access® Prepaid Visa® Card program a participation fee of $9.95 per month is charged on your account. The prepaid card owner has an option to pay per transaction also in which case the participation fee can be waived.

The All Access® Prepaid Visa® Card provides various ways of reloading. Depending on each option there are various fees to be paid. If you reload via direct deposits or PayPal transfers the reloading is free or costs you $0, if you use ACH, credit or debit card transfers there is a reloading fees of $4.95 and if you want to reload your credit card in person with retail cash the reloading fees vary by merchant location.

If you don't use your All Access® Prepaid Visa® Card for a certain amount as mentioned in the terms and conditions associated with the debit card there is an inactivity fees of $5.95 to be paid to the prepaid card company. Overall this prepaid card has lots of good features but the fees associated with it makes it a bit costly option to have.

The figures presented in this article were correct and relevant at the time of writing, and are at the sole discretion of prepaid card issuing agency. They can change without notice. The latest figures can be had by logging into the prepaid card website and reading the offer document carefully.

  More Articles on - international prepaid credit card