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Prepaid Credit Cards – Independent online guide
If you have a bad credit history and have defaulted on credit repayments in the past it is often impossible to be approved for a credit card or bank account. Prepaid credit cards were introduced into the UK in recent years design specifically to help this profile of customer.
Quick Find
| Company | Description | Apply Now |
| CashPlus Prepaid Card | Get a Gold Card today No Credit Checks | |
|
Splash Plastic |
100% Approval Prepaid Debit Card, Shop On Line |
Benefits of Prepaid Credit Cards...
As well as being a useful instant source of credit standard credit cards have many added benefits which are generally taken for granted by their users. These benefits include;
- Having the ability to pay for goods and service via the Internet.
- Be able to withdraw cash from cash points.
- Using for hotel and car hire bookings which often require a credit card guarantee.
- Worldwide acceptance in millions of locations and allow you to withdraw money overseas
- Benefits of points and reward schemes based on card use.
- Kudos of owning a ‘Gold’ Credit Card.
Because money is preloaded onto a prepaid credit card they are able to give you the many of the same privileges of a bank account, debit card or standard credit card. As a result of the way the card is operated you are normally guaranteed acceptance as long as you are over 18 and have a valid UK address, as no credit checks are required. Obviously prepaid credit cards have no credit limit so can only be used once you have charged it up with funds, much in the same way as a’’ pay as you go’’ mobile phone. This is normally an easy process as most prepaid companies allow the card to be topped up online, via the telephone or on the high street in outlets such as the post office. This structure is perfect for those who do not want to run the risk of running up an uncontrollable amount of credit and then suffer from high interest rates. From the feedback we have had via our website many customers have told us that a prepaid credit card allows them to improve the way they manage their money as they receive a regular monthly statement detailing all transactions.
With in the last year we have also seen market leader cashplus offer an innovate scheme to help customers rebuild their credit history using a prepaid credit card. They do this by reporting all successful monthly fee payments the customer has made to the appropriate credit agencies after a 1 year period. This is an excellent development and is why cash plus is our key prepiad credit card partner. To cover the cost of administration most UK based providers charge around £10 for the actual card and impose a small monthly fee and / or a percentage fee when loading funds, withdrawing cash or making purchases. There is a wide range of cards available and it is important to pick the card that offers the cheapest fee structure for your intent use.
This website has been designed to help you access information on prepaid credit cards, bad credit credit cards and cash loans as quickly and easily as possible. All providers represented on our site have been trading for over 3 and are specialist in helping real people like you.
To find out more and apply online complete our search form opposite today
Did you know there are Credit Card that will consider people with Bad Credit?
| Company | Description | Apply Now |
| Vanquis Credit Card | Bad Credit Card £250 - £1000 limits and Rebuild your History |
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