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What are prepaid cards?
WHAT ARE PREPAID CARDS? Do you use as Credit or Debit Card? Also known as Prepay cards these are a form of payment which are used much like credit cards or debit cards (including shopping, internet, international payments and cash withdrawals) but funds are preloaded by the user onto the card, so no bank account is needed. To Apply for a prepaid card, generally you just need an address and a form or identification, usually a passport. As long as you hold both of these you will generally be accepted - no matter if you do not have a credit history or have a very poor credit history so cannot apply for a traditional credit card. Although often called 'Prepaid Credit Cards', no credit is issued or money borrowed, so you cannot get into unwanted debt. All prepaid cards are in association with Mastercard, Visa or Maestro so are can be used wherever these are accepted. This includes using the cards internationally and you can even take money out of any ATM (cashpoint) that accepts Mastercard, Visa or Maestro. Once received, the pre-paid card can be topped up using cash at a bank, post office or in a shop which has a Payzone or Paypoint. Some cards can also be topped up by SMS Mobile Phones and on the internet via a debit or credit card.
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