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Prepaid Credit Card #7241856
04/12/21 09:05 PM
04/12/21 09:05 PM
Joined: Apr 2020
Posts: 1,637
PEI, Canada
MySide 🦝 Offline OP
trapper
MySide 🦝  Offline OP
trapper

Joined: Apr 2020
Posts: 1,637
PEI, Canada
Hey guys,

Any suggestions on Prepaid Credit cards?
I'm looking into getting one, let me know if you have any suggestions on brands ect.
Anything is appreciated!


All for the Greater Glory of God

Member of the PEI Trappers Association

Click this link and check out my YouTube channel! smile
https://bit.ly/3vVqdDL
Re: Prepaid Credit Card [Re: MySide 🦝] #7241879
04/12/21 09:30 PM
04/12/21 09:30 PM
Joined: Feb 2014
Posts: 22,512
nm
A
adam m Offline
trapper
adam m  Offline
trapper
A

Joined: Feb 2014
Posts: 22,512
nm
My suggestion try getting a $500 limit credit card as opposed to a prepaid one. Amex has one with $500 and reward points. Use that card for a revolving debt like auto insurance. Don't carry a balance

Re: Prepaid Credit Card [Re: MySide 🦝] #7241890
04/12/21 09:38 PM
04/12/21 09:38 PM
Joined: Jul 2016
Posts: 994
Ne pa
J
Jerry Jr. Offline
trapper
Jerry Jr.  Offline
trapper
J

Joined: Jul 2016
Posts: 994
Ne pa
Have you talked to some one at your bank? That would be my first thought.
My second thought would be why do you want a prepaid credit card? Are your trying to build credit? Trying not to over spend?

In my early 20's I had trouble getting a small loan. It wasn't that I had bad credit, I just didn't have any credit. I paid for everything in cash. I managed to get the loan and got a credit card that I paid off every month. I went from no credit to having a credit score over 800 in 10 years. It may have been less but that was the last time I had a credit check done.

Point is that it isn't hard to build credit. Pay your bills on time and don't over extend yourself (don't spend what you don't have).


You can't buy experience, but you'll pay for it.
.... but what do I know, I'm just a dumb farmer. ~ My Dad.
NRA LIFE MEMBER, Endowment Member 5-23-14
Re: Prepaid Credit Card [Re: MySide 🦝] #7241907
04/12/21 09:55 PM
04/12/21 09:55 PM
Joined: Oct 2014
Posts: 2,378
Eau Claire Wi
Trap Setter Offline
trapper
Trap Setter  Offline
trapper

Joined: Oct 2014
Posts: 2,378
Eau Claire Wi
I had no credit an had to give $1000 to have a card with $1000 limit used it for a year closed it and got the $1000 back. Never carried over a balance and never had to pay interest.

Talk to your bank and start building credit. Don't over spend and you will have great credit quite quickly.


Life sure is tough when you don't learn from the mistakes of others.
Re: Prepaid Credit Card [Re: MySide 🦝] #7241913
04/12/21 10:10 PM
04/12/21 10:10 PM
Joined: Sep 2016
Posts: 4,827
MB
J
Jurassic Park Offline
trapper
Jurassic Park  Offline
trapper
J

Joined: Sep 2016
Posts: 4,827
MB
Since youíre young itís a very good idea to get a pre paid credit card. By the time youíre old enough to ask for a loan or mortgage youíll hopefully have the credit to do so. Thatís if you pay your credit card bill on time.

PCMastercard is pretty good. I got one when I was about 19 years old with a $200 limit on it. It was strictly to boost my bad credit.

I would start off with $100-$200.


Cold as ice!
Re: Prepaid Credit Card [Re: Trap Setter] #7241970
04/12/21 11:51 PM
04/12/21 11:51 PM
Joined: Sep 2013
Posts: 9,202
Green County Wisconsin
G
GREENCOUNTYPETE Offline
trapper
GREENCOUNTYPETE  Offline
trapper
G

Joined: Sep 2013
Posts: 9,202
Green County Wisconsin
Originally Posted by Trap Setter
I had no credit an had to give $1000 to have a card with $1000 limit used it for a year closed it and got the $1000 back. Never carried over a balance and never had to pay interest.

Talk to your bank and start building credit. Don't over spend and you will have great credit quite quickly.



not far off how I got started , went to the bank my Aunt worked at said if I put 500 in a savings account and don't touch it , can I have a credit card with a 500 dollar limit.

I actually did my banking at a bank where I went to school and not my home town



My Side , not sure if you are 18 yet , if you are explore this type of option.

watch out for activation fees ,you should not have to pay to use your own money. they already get 3% from what you purchase.


America only has one issue, we have a Responsibility crisis and everything else stems from it.
Re: Prepaid Credit Card [Re: MySide 🦝] #7242036
04/13/21 06:54 AM
04/13/21 06:54 AM
Joined: Mar 2019
Posts: 1,045
Southern NJ
maintenanceguy Offline
trapper
maintenanceguy  Offline
trapper

Joined: Mar 2019
Posts: 1,045
Southern NJ
My solution:

I have a debit card. It has the visa logo and can do everything a credit card can do except get me in debt. I've been renting hotel rooms, rental cars, and using it for online purchases for 30 years.

When I was younger, I got a credit card and used it. I planned to pay it off every month and just use it to get over the humps when I was waiting for the next pay check. But, you never make enough in the next check to cover the next 2 weeks plus the debt you accrued in the last two weeks. The balance kept slowly growing. It made our day to day struggle harder than if I had never gotten it - but we were still managing, barely.

Then, we decided we "deserved" some nice things. We were working hard and our friends had some nice things. So, we bought a few nice things. Nothing really fancy but just a few things to keep up with our friends - who were probably also purchasing stuff they couldn't afford using debt. I wasn't able to pay off the debt every month any more but we were still managing to pay at least the minimum payment and we were managing, barely.

Then I lost my job. We missed a payment on the credit card. Our interest rate went from a ridiculous 12% to an unmanageable 28%. The accruing interest pushed us over our credit limit which triggered "over-the-credit-limit" fees every month in addition to late fees, in addition to 28% interest. But, we still needed to eat. Even though we were over the limit, the credit card company let us continue to use the card only to make withdraws at ATM's (Called MACs back then), not for over-the-counter payments. ATM withdraws came with an additional fee. Sneaky how they do that.

Within a couple of months, we were buried. Took us years to pay it off. I probably payed 4x my actual debt in interest and fees. I'll never do debt again. If I don't have the cash, I will live without it.

If you really need a credit card to make a specific purchase, get a VISA gift card. Purchase one in cash at the grocery store, pay the $5 fee to VISA, and use it once to make the purchase, and throw it out.


-Ryan
Re: Prepaid Credit Card [Re: MySide 🦝] #7242057
04/13/21 07:39 AM
04/13/21 07:39 AM
Joined: Apr 2020
Posts: 1,637
PEI, Canada
MySide 🦝 Offline OP
trapper
MySide 🦝  Offline OP
trapper

Joined: Apr 2020
Posts: 1,637
PEI, Canada
Thanks for the feedback guys.
I want a card so that I can make online purchases without have to go through my parents all the time.
I DON'T want an actual credit card, because theres always the temptation to spend more then you have. I make online purchases quite often, so a prepaid credit card (that is re loadable) seems like the best option in my opinion.
I know that I can get those gift cards, but I want something more permanent than that.


All for the Greater Glory of God

Member of the PEI Trappers Association

Click this link and check out my YouTube channel! smile
https://bit.ly/3vVqdDL
Re: Prepaid Credit Card [Re: MySide 🦝] #7242078
04/13/21 08:13 AM
04/13/21 08:13 AM
Joined: Jan 2008
Posts: 5,960
Alaska and Washington State
W
waggler Offline
trapper
waggler  Offline
trapper
W

Joined: Jan 2008
Posts: 5,960
Alaska and Washington State
I know an 18 year old senior in high school who just applied for an Alaska Airlines Visa credit card. He applied online and it was approved immediately. He got his credit card in the mail about a week later, and he has a $1,500 credit limit. I have no idea how he got approved. He answered everything on the application honestly, and where it asked for his occupation he put student. He does make about $20,000 a year working constructionq part time. He entered that amount where it asked how much you made annually, maybe it was monthly and he divided by 12, don't remember.
Anyway, you got the card, I was surprised.


My life is better than your vacation
Re: Prepaid Credit Card [Re: MySide 🦝] #7242279
04/13/21 01:05 PM
04/13/21 01:05 PM
Joined: Apr 2014
Posts: 591
La.
Gator Foot Offline
trapper
Gator Foot  Offline
trapper

Joined: Apr 2014
Posts: 591
La.
Go to the bank and get a debit card. They will make you keep a certain amount of balance on it, Or they will change you a fee per month.

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