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Credit Q&A: “What stores sell prepaid credit cards?’

If you’re in the market for a prepaid credit card, they’re certainly not hard to find these days.

A number of stores carry Visa, MasterCard, and American Express prepaid credit cards, from the local drugstore to the supermarket.

In fact, if you visit your neighborhood gas station, you’ll likely find a selection of prepaid credit cards and other gift cards in a kiosk or at the checkout counter.

You’ll also find prepaid credit cards at office supply retailers, bank branches, check cashing stores, malls, in vending machines, and even Blockbuster movie rental stores.

Mega retailers like Walmart, Target, and Kmart also carry prepaid credit cards from all different providers, so you’d be hard pressed not to find them.

American Express gift cards, which no longer charge inactivity fees, are also available for purchase in most of the aforementioned stores and via their website.

However, if you purchase them online or remotely, you’ll be assessed shipping charges, so I recommend picking one up in a store.

They also come with a purchase fee of $3.95 per card, regardless of the value, which could range from $25 to $3,000.

On the $25 prepaid card, that fee is nearly 16% of the total, while only about a tenth of a percent for the $3,000 card.

Visa and MasterCard prepaid credit cards are also available for purchase online, but carry higher fees and shipping costs, which can vary based on where you purchase them.

And these types of prepaid credit cards typically still carry the monthly maintenance fees once 12 months have gone by, so they’re not the best choice if not used promptly.

I’m not a big fan of prepaid credit cards because of all the related fees, and the fact that a small balance is usually left on the cards as well.

Tags: Cards, Credit Cards, Prepaid Credit, Prepaid Credit Cards

The Ikea Living Room Event is on again, from November 16th-29th you can earn back Ikea gift cards with your purchases. Anyone who buys a Besta TV/ Storage combination will receive 15% of the purchase price back in Ikea gift cards. With Christmas coming up many consumers are looking to upgrade their living rooms appearance just in time for their holiday events.  The Ikea Living Room is a great way for consumers to upgrade their houses and still have some money left over to buy some Christmas decorations. Or if you have exhausted your budget on home decor items you can sell you Ikea gift card and get turn your unwanted gift card into cash.

Giftah will buy your unwanted Ikea gift cards, all you have to do is enter your cards balance to see how much money you can make. Everyone can use some extra cash for Christmas and there is no better way to free up some money than selling your unwanted gift cards. Giftah is also a great place to pick up some discount gift cards for your holiday shopping, you can save up to 60% more by using Giftah’s discount gift cards.

Tags: Cards, Gift Cards, Living Room Event, Room Event

Orchard Bank Classic MasterCard

The Orchard Bank Classic Cards are for those with little or no credit . Even if you have bad credit, these cards can help you reestablish your creditworthiness. All of the cards reports to all three of the major credit bureaus. Acceptance at millions of locations worldwide, including website purchases and reservations. Discounts available from MasterCard® at many of your favorite merchants when you enroll in the services at www.mcnearby.com. Manage your account online anytime of the day using our helpful Account Management Tools. Choose your own payment due date to make paying your bill each month more convenient. Have the opportunity to build credit; we report to all 3 major credit bureaus.

Card Details
The Orchard Bank Classic Cards include four different types of cards: Orchard Bank® Platinum MasterCard®, Orchard Bank® Gold MasterCard®, Orchard Bank® MasterCard®, and Orchard Bank® Secured MasterCard®. This art

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Tags: Bank Classic, Bank Classic Cards, Cards, Classic Cards

The popularity of prepaid cards has significantly increased in the past years. Demands for these alternative plastics have exploded and it is predicted to have at least $7.2 billion in transactions every year. Some employers have in fact chosen to issue prepaid cards instead of a paycheck. These cards are actually re-loadable spending cards. Although cards carry the Visa and MasterCard logo, they should not be mistaken for a debit/credit card or even gift cards. People use is to pay without having to open a bank account or applying for a credit line. You just have to add money to its balance and it works the same way as debit or credit cards. If you cannot open a bank account for some reason or you cannot trust yourself in handling a credit card, they say this is the next big thing.

Others have pointed out the other ways and reasons prepaid cards are a popular choice these days. One gets to budget and avoid overspending when using these cards without sacrificing convenience and safety from bringing all that cash. Some would use it to purchase online, things that auto-renews such as magazine subscriptions.

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Tags: Cards, Prepaid Cards

As the holidays approach, it’s a good time to look at credit cards that offer 0% interest. Unlike a balance transfer offer that charges a balance transfer fee, these cards offer no interest on purchases without any fees. In fact, with the card options below, you’ll find 0 interest credit cards for 12 months and some that last for 6 months. In addition, many of the cards offer cash back rewards.

We’ll start with an editor’s pick card, the Chase Freedom.

Chase Freedom–Editor’s Pick

Chase Freedom Card

The Chase Freedom card earns the CCOiq Editor’s Pick. It offers 0% interest for up to 12 months, a $50 bonus after the first purchase, up to 3% cash back, and all with no annual fee. Here are the details: $50 Cash Back after your first purchase 3% bonus cash back offers in categories like gas, home improvement and department stores Full 1% Cash Back on every purchase No spending tiers or caps on how much you can earn Up to an additional 20% cash back at select merchants when you shop online through Chase

Citi Forward–Rewards Good Behavior

Citi Forward Card

The Citi Forward credit card offers 0 interest for 6 months on both purchases and balance transfers. In addition, th Read more…

Tags: Cards, Credit Cards