Credit cards???

Question

Hello, Im interstead in now looking at different times of credit cards, but Im after a certain one, Im looking for a credit card that will allow me to buy things over the phone and internet, but also doesnt use money that I dont have in there, in other words I want a card without an extarr $1000 that I can spend that ISNT mine, if you get what im saying? is this card called a debit visa or????

Answer 1

What you want is a secured Visa. You can get one from your bank. You put so much money in an account and they put a hold on it. Say $500. Then they give you a cc with a $500 limit. You use that card and pay it off just like a regular cc without touching the money in the savings account. If you don't pay your bill, they close the card and take the money from the account to pay the bill.

Unless you want a Visa Debit card, in which case you just use the money out of your regular checking account. You can use it anywhere ccs are accepted.

Answer 2

It's called a CREDIT card. Those that use your bank account are DEBIT cards. Both VISA and MasterCard offer both types. You can get them from your bank.