Credit Card Blog - Prepaid

Would you like the convenience of a credit card without the risk? Are you unable to qualify for an unsecured card? If this sounds like you, the Millennium Advantage Pre-Paid MasterCard is ideal for your situation. In this post, we’ll give you some basic information about the Millennium Advantage Pre-Paid MasterCard and explain what makes it unique.

Millennium Advantage Pre-Paid MasterCard Basics

• No annual fee
• $99 application fee
• Convenience of a credit card without risk of overspending
• $5.95 monthly participation fee
• $1.00 reloading fee
• Inactivity fee after 60 days
• Easy to qualify for

About the Millennium Advantage Pre-Paid MasterCard

If you have difficulty qualifying for an unsecured card because of credit challenges, you will want to consider the Millennium Advantage Pre-Paid MasterCard. This is a stored value card designed specifically for people who do not qualify for other types of cards. You will enjoy all the conveniences of a credit card without any risk of going into debt. You make your payments in advance, and these payments represent your spending limit. You can load your card via online account transfers, mailed payments, or at loading stations at authorized partner locations. Every time you reload, you will pay a $1 fee.

Fees and Other Information

When you apply for the Millennium Advantage Pre-Paid MasterCard, you will pay a one-time $99 activation fee. There is also a low $5.95 monthly participation fee for the convenience of the card. The inactivity fee only applies if you do not use your card for 60 days. In the first year, you will pay at least $170.40 in fees. It is important to note that this card does not report activity to the credit bureaus, which means it will not have an impact on your credit. This is mainly a concern for people who are looking for a card to rebuild bad credit.

Apply for the MasterCard Millennium Advantage Pre-Paid card

Additional Resources:

• Credit Card Review: Pre-Paid Millennium Advantage MasterCard
• Financial Tips for the College Bound
• Secured Credit Card Marketing Scams

In need of a good prepaid card? Well, Your Credit Network has one for you. The All-Access MasterCard Prepaid Card from MetaBank. This blog entry will cover the basics, and the advantages of this prepaid credit card.

All-Access MasterCard Prepaid Card Basics

• No annual fee
• $0 account to account Internet transfers
• Direct deposit
• No first year fees

A Prepaid Card With Low Cost

Usually, you would expect a prepaid card to slam you with huge fees and lots of them. This is where the All-Access card sets itself apart from the others. Don't you want to keep your money? With this card you get a great prepaid card, with the ability to keep that moneyall to yourself. You also have the choice between two different plans. They are the pay per transaction plan and the FeeAdvantage plan. They both have different structures, and different small fees. So do your research. The fees that this card has are small, so don't worry. The fee list includes:

• $0.50 account to account transfer via the phone
• $4.95 account to account transfer via live agent
• $0 possible on 4 different fees

It is not just talk with this card. They really do have smaller fees than the other prepaid cards. This card is really great for someone who is having troubles finding and obtaining an unsecured card for their finance needs. This card is also beneficial to someone who wants to get a card that lets them pay for purchases in advance. Plus you still are eligible for great benefits and services even though there are limited fees. How can you not be a fan of that? This is something you do not find in every prepaid card. So it is easy to see why this card is something that everyone should think about adding to their repertoire. So get to know a little more about this card and see if it features something you would want.

Get All-Access With This MasterCard Prepaid Card

It can get frustrating to find a prepaid card that works for you. But don't give in and just apply for any random one. MetaBank and the All-Access Card are sure that you will see it stands out above the rest. So compare this card with other prepaid cards and see what you think. You will be pleasantly surprised. Read the terms and conditions before you apply. Then apply today, and get a great prepaid card!

Additional Resources:

• More Great Prepaid Cards From Your Credit Network
• Other MetaBank Cards
• Credit Cards: The True Financial Device

Ready for this new card from Your Credit Network? The Account Now Vantage Debit Visa Card. This blog entry will cover the basics, and the great aspects of this prepaid credit card.

Account Now Vantage Debit Visa Card Basics

• Low annual fee
• $0 for direct deposit on card
• Free bill pay service for the first seven transactions each month
• No inactive fee

Do You Need a Prepaid Card?

This card is great for you if you have trouble obtaining an unsecured credit card. No bank acount, no worries! You do not need a bank account for this card, instead all you need to do is make payments in advance. But do not worry about these payments, because they help you. They will generally offset some of the future costs that will occur with this card. So it is not like you are throwing money away. You will have it returned to you in some fashion. Usually you would expect really large fees with a card like this. But that is not the case. The fee list includes:

• $19.95 Annual Fee
• $4.95 Monthly Fee
• $79.35 First Year Fee (Combined Fee)

So as you can see, they have reasonable fees. So you do not have to worry about signing your funds away. Which really helps, because it is your money, so you need to be able to spend it on things you want! You even get a free bill pay service with this card for the first seven months. You also have access to a great free credit building service. So this card looks to help you out, which is something you should expect from your card. It is time to put down that card that just abuses you and does not give anything back. You do not have to settle for one set form of card use. There are three unique plans and they all differ in fees and services. So you have great options you need to review and look at.

This Account Now Debit Card is For You!

Don't settle for a pre paid card that charges you a ton of money to use it. You deserve better then that. Great flexibility comes standard with this debit card. Isn't that something you want? Isn't that something that you deserve? It should be. So don't wait any longer. Sign up for this great new prepaid card today. You will not be disappointed at all!

Click here to apply for the Account Now Vantage Visa Debit Card

Additional Resources:

• Other Great Prepaid Cards
• More Visa/Bank of America Cards
• Prepaid Credit Card Basics

Are you ready for this great card on Your Credit Network? Get your All-Access Visa Prepaid Card! The following blog entry will cover the basics, and the benefits of this Visa card.

All-Access Visa Prepaid Card Basics

• No annual fee
• No application fee
• $0 account to account transfers over the Internet
• For those who have difficulty acquiring an unsecured credit card

Benefits of the All-Access Visa Pre-Paid Card

Don't be disappointed if you are having trouble acquiring an unsecured credit card. This card is a great option for you. The best part of this card is that it will not take advantage of you because of those difficulities. Some of the features of this card includes:

• No fees the very first year you have the card
• Very low account to account transfer fees
• Earn $5 for each activated card you refer
• Overall 5.0 Customer Rating

This card aims to set itself beyond all other prepaid cards. They also make it rewarding to get your family and friends signed up as well. Other great things like overdraft protection, and no liability for unauthorized transactions also go a long way to set this card apart. If you don't want to take our word for it, then just look at it's high customer rating. It is a perfect rating. That is something you can place your trust in.

Become an All Access Member Today!

Just because you have had troubles getting an unsecured credit card does not mean you should settle. Get this great card, and do not feel like you have to take a step back. This card will not force any high, prepaid charges on you. So don't wait any longer to get a prepaid card that will fit your needs. Apply now!

Additional Resources:

• Other Prepaid Credit Cards
• Prepaid Credit Card Basics

Trey Knox
Team Your Credit Network

Your Credit Network is proud to announce the addition of the Elite Plus Prepaid Mastercard Card. The word elite means the choice or best of anything considered collectively, now think about being able to obtain a prepaid card that is just that. The purpose of this post is to point out some of the great features that will come your way when having this stored funds card.

Only for the Elite Prepaid Cardholder

It is your turn to now feel like you are “On Top of the World” and that is just the feeling you get by having this elite prepaid card. You don't have to have outstanding credit to get your hands on this card and it is so easy that you can just have funds placed on your card directly from you paycheck. You can also have complete control over you spending and credit limits by how much money you choose to place on the card. Putting funds on your prepaid card in advance is a good way to ensure that you don’t go over your limits and you can afford what you are paying for.

Attractive features of the Elite Plus Prepaid Mastercard Card:

Annual fee: $0
Minimum Credit limit: $0
Maximum Credit Limit: $2,500
Application Fee: $59.95 + $90 + $10***
Participation Fee: $83.40 (or $6.95 monthly)

Important Notations: ***The total initial fee includes a $59.95 application fee, a $90 processing fee, and a $10 bonus rebate, which will be credited back to qualified accounts as the opening balance.

The Perks of Being Elite

Tired of searching for a prepaid card that is as appealing as a platinum credit card. Well your search is over having a elite plus card offers some great features that make the card hard to resist. Not only does the card offer no credit checks, no turn-downs, no security deposits, and no employment requirements, it also has some great benefits. Finding a prepaid card that gives back like the Elite Plus Prepaid Mastercard Card does is very rare. It is important that while you are putting money towards things you want that you get a little something back for your business, so some of the great perks offered are:

• Up to 20% Off Your Car Rental + More at Alamo
• $10 Off Purchases of $49 or More at JCPenney Stores
• Special Package Price from Omaha Steaks
• 10% Off your stay at Participating Red Roof Inn Locations

See the  Elite Plus Prepaid Mastercard Card Review for other great perks and bonuses!

Additional Resources:

• Credit Card Review:  Elite Plus Prepaid Mastercard Card
• Other Prepaid Credit Cards

Phillip Sunders
Team Your Credit Network

Prepaid credit cards are one of the many financing options available to individuals with less than perfect credit. This particular class of credit card allows for the full functionality and range of card use as a regular unsecured credit card, but requires that the cardholder make deposits (also known as “reloading”) as the funds are depleted. Think of it as a checking account without actually opening the account through a bank – you use the card issuer of your choice instead.

Who Would Benefit from a Prepaid Credit Card?

Most prepaid credit card holders meet any one of the following three criteria:

1. Have a moderate-to-severely damaged credit score. People with fair-to-poor credit ratings will not qualify for unsecured credit cards or may only qualify for those with outrageous interest rates, so a prepaid card is a way to make use of the handy nature of a credit card without the usual credit checks or other hassles that are required traditional credit card companies.
2. Have no credit history or would like to rebuild their credit history. Some people who don’t have any credit history at all prefer to get used to having a credit card by getting a prepaid card first. Think of a prepaid credit card as the training wheels on a bicycle – it teaches you how to keep track of your purchases without putting your credit score in jeopardy.
3. Do not wish to have ties to banks. A growing number of Americans prefer to bypass the usual checking and savings account practice for personal reasons. This has helped bolster the popularity of prepaid credit cards since some issuers allow a cardholder to have their paycheck directly deposited on their card, thus eliminating the need for a bank altogether.

These are just the most common reasons a person would consider a prepaid credit card for their spending needs, but there are countless other reasons why these unique credit products are becoming more popular by the day.

Prepaid Cards vs. Regular Cards – What’s the Difference?

The first and most distinct difference between regular and prepaid cards is the manner in which regular cards are issued; more specifically, a “normal” credit card issuer will pull your credit report for the purpose of determining how much credit can be safely extended to you as well as at what interest rate. Many prepaid credit card companies bypass this step completely since they aren’t extending you any credit at all, so the chances of your credit history impacting your ability to get a prepaid card are lessened significantly.

Perhaps the largest downside of a prepaid credit card is the fact that you might successfully use one for a number of months or years, but your steady and routine use of the card will not be noted with the credit bureaus (depending on the specs of the program you choose). This means that only certain prepaid cards allow for the re-establishment of credit over periods of time, so before you commit to any one program be sure to read the review in its entirety so you can be sure that the program matches your long-term financial goals.

Ready to Apply for a Prepaid Credit Card?

Great! All you need to do is visit our prepaid credit card offers section to pick the card that best fits your needs. Once you have selected the card you like best, simply click the apply button and you’ll be taken to a secure credit card application processing center where you will receive your approval in relatively short order. It’s that easy!

Kimberly Carte
Team Your Credit Network