Where can I get a prepaid credit card without giant fees? I'd like to just buy in store for $50 & use online.

Question

Due to a situation I'd rather not go into my credit cards were cancelled. My bank just has ATM cards, no debit visa/mc cards, so I can't use them.

I've seen online a couple times where you can get a card that is prepaid, but they always had huge fees, annual contracts, etc. I think it'd be awesome if you could just buy a credit card up front like a Gift card for a store except it be a Visa, M/C, AMEX, or Discover and could be used anywhere & I could buy it in the denomination I choose.

They do it for phone cards and gift cards...why not CC#'s? Is there such a thing?

I wanna buy something online before the sale is over 6/13/06 for $50 cuz you get $40 back on it.

Answer 1

You're talking about prepaid debit cards (also called prepaid credit cards or stored value cards). Visa, MasterCard and Amex prepaid debit cards are available.

You should first decide if you want a reloadable card or a one-time use card. Neither of these use credit checks. If you want an anonymous card you should go for a one-time use card.

You can get these at some banks, at retailers like CVS and Safeway and even at some check cashing stores like Ace Check Cashing. If you don't mind providing the card issuer your information you can also find cards online. Look out for fees - they can be quite high on these cards. Anonymous cards are not personalized and should be less expensive than personalized cards. Prepaidcardforum.com is a good resource to do some research on prepaid debit cards..

Answer 2

You can use a debit card if you have a checking account. Failing that, you can get a prepaid Visa/MasterCard by paying cash ... there will be a small fee, and they come in set denominations [$25 increments, mostly] so you then have leftover money on the card. Basically, you can do it, but it may cost you extra.

Answer 3

You can get prepaid Amex cards at most grocery stores. If you have Kroger, that's where I get them for gift cards. Sometimes I have seen them at CVS stores, but not all CVS stores have them.

Answer 4

I sell Debit Visa Cards for just $6.00

Also if you just need to buy $50.00 from a store you can use my credit card to buy what you need.

Top 3 Answerer in Business & Finance. (Vote for me)

Answer 5

I know Bank of america has one with cheap fees....you should call your closest branch and see how much they charge

Answer 6

see if the link on my profile can help
it might be better than what you are looking for