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Why a Free Prepaid Card May Be Right for You
There are many reasons why a free prepaid credit card may be the card for you. Perhaps you would like to teach your college kid good fiscal responsibility. Maybe you are having trouble obtaining a normal credit card due to poor credit score and would like to work on improving it.
A prepaid credit card has its fair share of advantages and disadvantages. In fact, they function more like debit cards, except there is no savings or checking account tied to the card. With a prepaid credit card, your credit limit is determined by the amount you pre-pay to the credit card company. Once the balance has been depleted, you will then be required to purchase more credit in order to continue using the card.
One of the greatest advantages of prepaid cards is the low application requirement, where a good credit score is unnecessary. In fact, you dont even need to have a credit score, or even have an income to qualify. You just need to be at least 18 years of age.
Also, most prepaid credit cards do not impose APRs on the amount you have deposited with the credit card company. This makes sense, since youre not actually obtaining credit from them. Another feature of prepaid credit cards is their ability to let you deposit your check directly onto the card balance. Not only will this save you trips to the bank, its also a great convenience if youre the type who charges everything to the credit card.
While prepaid credit cards are generally a good bet, they are not without their downsides. Like regular credit cards, they may have fees attached to them such as a monthly maintenance fees, transaction fees and ATM fees. These are costs of using your prepaid credit card, and can be significant if you dont choose the right card.
In conclusion, prepaid cards function truly well for those who do not wish to spend more than what they own, but at the same time require the convenience of a credit card. This way, you wont get carried away with your expenses or find yourself drowning in debt.
Need Cash Till PayDay quick relief from your financial crisis
Are you in urgent need of cash to meet your uninvited expenses? If yes then you can take help from need cash till payday. This loan provides you quick financial assistance in dealing with your urgencies without facing any difficulty.
Need cash till payday is a short term loan. The amount from which you can benefit ranges from £100 to £1500 with repayment term of 2 to 4 weeks. It is good to pay back the loan amount on time to avoid late payment charges or fees. This loan comes with a number of benefits like flexible terms, easy processing, enough loan amount, no lengthy paperwork, no faxing of documents and immediate approval.
For easily approval of need cash till payday you have to fulfil its eligibility criteria that includes you should be adult with minimum age of 18 years. You should be employed with regular income of at least £1000 per month. You should possess an active checking account for smooth transaction of finances and you account should be minimum 3 months old.
You can utilize need cash till payday amount for fulfilling your short term needs like paying children education expenses, car breakdown, home renovation, sudden medical bill, purchasing gift on festivals and much more. You can freely using the loan amount, lender will not interfere in using the amount nor he restrict.
No credit check is involved in need cash till payday. Thus bad credit holders like CCJs, IVAs, bankruptcy or more can easily apply for this loan. They dont have to face any hindrance nor any hesitation for applying for this loan.
You can avail loans for bad credit by the easiest way that is by going online. By going online you dont have to leave the comfort of your home or important work in office to know the offers offered by different lender. Just by making few clicks on your mouse you will come to know about the offers with different interest rate and terms. By spending your little time in comparing the loan deals you will able to choose a best loan deal for yourself with minimal rate of interest.