Tag Archives: fees

Why a Free Prepaid Card May Be Right for You

October 29, 2019   Home Mortgage

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 don’t 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 you’re 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, it’s also a great convenience if you’re 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 don’t 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 won’t get carried away with your expenses or find yourself drowning in debt.

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No Fax Payday Loans – The Facts on Going Faxless

October 27, 2019   Loan Tips

Payday loans have been around, in some form or another for a very long time. Even good people sometimes have bad financial luck, and need a little help getting back on their feet. Payday loans were introduced to provide working people with an opportunity to avoid fees from missed payments or bounced checks. No fax payday loans have introduced an even quicker alternative for people that are finding themselves short on funds before payday. Much like traditional payday advances these loans enable hardworking people to have access to their money, when they need it. Unlike the traditional versions though, no fax payday loans allow them to get a quick approval without having to fax over pay stubs and other proof of income.

No fax payday loans offer the same fast payout that traditional payday loans did, only without all of the annoying paperwork. There is no standing in line and no waiting days for an approval. Borrowers appreciate the discreet convenience of being able to apply for a loan from the comfort and privacy of their own home. The application process takes only a few moments and money is automatically deposited in your usual direct deposit bank account. The loan amount plus lenders fees and any interest that may have accrued are withdrawn automatically on your next payday.

It is possible for anyone to find themselves with more bills than cash, and no fax payday loans can help. You work hard for your money and should be able to use it when you need it. There is no reason that anyone with a job should have to wait to get access to their money or have to pay late fees or bounced check fees. With no credit checks and simple requirements, it is easy to get approved. Borrowing money from yourself has never been easier or more convenient, thanks to payday loans with no fax requirements.

If you ever find yourself in the position that you have unexpected expenses and no money to pay for those expenses, a payday loan may be the answer to your troubles. Though not a substitute for proper financial planning, payday loans provide working people with an alternative to late fees and returned check fees. With many lenders offering online application and no fax payday loans, there are many options available to anyone needing a little help to make ends meet. For all of the best options in no fax payday loans, visit

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