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Posted: 12/13/2013 2:15:15 PM EDT
[#1]
Most financial advisors call them "stupid cards". Need I say more?
Are there crazy fees or any other concerns? Yes...overdraft fees just like checks. A thief can empty your account in seconds and you don't have near the unauthorized purchase protection of credit cards. Just get a credit card and pay it off at the end of each month. Sorry, misunderstood the O_P. |
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Posted: 12/13/2013 2:53:37 PM EDT
[#2]
Quote HistoryQuoted:
Most financial advisors call them "stupid cards". Need I say more? Yes...overdraft fees just like checks. A thief can empty your account in seconds and you don't have near the unauthorized purchase protection of credit cards. Just get a credit card and pay it off at the end of each month. Quote HistoryQuoted:
Most financial advisors call them "stupid cards". Need I say more? Are there crazy fees or any other concerns? Yes...overdraft fees just like checks. A thief can empty your account in seconds and you don't have near the unauthorized purchase protection of credit cards. Just get a credit card and pay it off at the end of each month. I'm under the impression that, with the prepaid cards, I can load one immediately, use it, and throw it away when my new debit card arrives. I'm pretty sure I can't get a credit card that would help me right now, with it being Friday night. Even if I could, I'm not sure if that would be my best choice. I don't know much about how credit cards work because I'm not the sort of guy that buys things I can't pay for. Aside from interest, what are the fees of a credit card, and is it okay to maintain a $0 balance for months on end? |
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Posted: 12/13/2013 3:01:29 PM EDT
[#3]
Does your bank have a branch open on Saturday morning?
I use BOA and they can issue a temporary debit card at any branch location. |
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Posted: 12/13/2013 3:05:04 PM EDT
[#4]
Quote HistoryQuoted:
Does your bank have a branch open on Saturday morning? I use BOA and they can issue a temporary debit card at any branch location. My bank is USAA. Until recently, they had no physical branches, and the only ones they have now are near military bases. Basically, I'm up the creek on that one unless I open another account at a bank that can print debit or credit cards on site. |
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Posted: 12/13/2013 3:10:53 PM EDT
[#5]
You can go to CVS and buy a Visa card. They cost $4.95 and can be loaded with up to $500. There are no monthly fees and work just fine for pay at the pump and online purchases. There is also a card called Mango that actually has your name on it and you can direct deposit into it and put much higher amounts on it. It's fees are reasonable, we had one for my son away at school.
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Posted: 12/13/2013 3:16:27 PM EDT
[#6]
I used them for a while for any non-cash purchases. Don't know what the story is lately, but the physical card was free, you put whatever amount on them you want (I think there may be a limit now). The only real downsides I found were if you lost the card, or if someone got the numbers and used it without authorization you're SOL. |
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Posted: 12/13/2013 3:16:44 PM EDT
[#7]
Your bank should have instant issue atm cards. They work same as debit and credit cards with no cvv code.
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Posted: 12/13/2013 5:22:46 PM EDT
[#8]
Quote HistoryQuoted:
Your bank should have instant issue atm cards. They work same as debit and credit cards with no cvv code. Nope. That would require a physical bank. |
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Posted: 12/13/2013 5:25:20 PM EDT
[#9]
wal mart i think has them
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Posted: 12/13/2013 5:31:33 PM EDT
[#10]
Online is gtg. I've had some that wouldn't work for pay at the pump.
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Posted: 12/13/2013 6:23:42 PM EDT
[#11]
Quote HistoryQuoted: Online is gtg. I've had some that wouldn't work for pay at the pump. trying to eliminate CC's from my life |
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Posted: 12/13/2013 7:29:00 PM EDT
[#12]
Would these work for Paypal? Sometimes I come across small vendors who use that abominable service either directly or as a CC processor, and a couple bucks in card fees would be worth it to keep PP away from any real financial information.
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