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Tips On How To Properly Use Your Prepaid Cards

Date Added: December 24, 2013 02:33:08 AM
Author: Shirley Lorentzen
Category: Blogs: Money

It is easy to be intimidated by the dangers of acquiring a prepaid card. However, there is no reason for you to be scared about owning a prepaid card. In fact, they can be very helpful, especially when you wish to purchase something without using cash. In the article that follows you can find advice that will help you with prepaid cards.If you see any suspicious charges, report them quickly. By doing so you give the prepaid card company the best chance of catching the thief. This also helps absolve you of responsibility when it comes to the charges. prepaid card companies have an interest in making it easy to report fraud. Usually, it is as quick as a phone call or short email.Keep track of your purchases made by prepaid card to make sure that you do not spend more than you can afford. It can be easy to run up a huge debt without realizing it, unless you keep tabs on how much you're spending.It is good to keep in mind that prepaid card companies are not your friends when you look at minimum monthly payments. They set minimum payments in order to maximize the amount of interest you pay them. Pay more than the minimum payment. Minimize the amount of interest you end up paying.Make sure to sign your cards as soon as your receive them. Many merchants require the cashier to verify the signature matches so that you can keep your card safer.Make a list containing the account numbers of your prepaid cards and any phone numbers associated with your lenders. Keep this list in a safe place, like a safety deposit box, away from each of your prepaid cards. You'll be grateful for this list in the event that your cards get lost or stolen.When looking to open a prepaid card, start by eliminating any with annual fees or high interest rates. There are plenty of cards you can get that don't have an annual fee associated with them, so they are pretty much a waste of your money.If you have a spotty credit record, think about getting a secured card. These are cards that require a balance as collateral. In other words, you will be borrowing money that is yours while paying interest for this privilege. The advantage is that responsible use of an unsecured card is an effective way to improve your credit score. When seeking secured cards, limit yourself to established issuers. They will be in a position to offer you a regular, unsecured prepaid card in the future, and you can further improve your credit by using it responsibly.If you have several cards, focus on paying off just one. Even if you need to carry a hefty balance on your other cards, having a card that you use and pay off every month can build a stronger credit history.If you have a secured prepaid card, sometimes the company is willing to offer you an unsecured prepaid card after you have proved your good standing. This is about the time that you will begin to find new prepaid card offers in your mail. This is when you are going to have to go into decision-making mode, yet again, when re-evaluating your situation.Hopefully, the advice about prepaid cards will help you alleviate your unnecessary fear of using prepaid cards for purchases. When used in the correct manner, prepaid cards can be very useful, so fear not! Keep the advice you have learned here in mind, and use your prepaid card with confidence.

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