A Debit Card, or a Credit Card
that is Prefunded is the Best Solution
for People with less than Perfect Credit
BadCreditAssistance.com
will help
you get a VISA card.
We all
know that it is a necessity today to have at least one card for
simple things in life like renting a car, reserving a hotel
room, shopping online, using bill pay services, etc.
But millions of people are denied approval for credit cards, or bank
ATM cards, due to past credit problems, bankruptcy, etc.
Now there are options
available that will allow anyone to get approved for a VISA card.
NO
CREDIT CHECKS * NO TURN DOWNS * NO BANK ACCOUNT REQUIRED
There are basically two different kinds of cards that you can
get. Regardless of your credit situation. And it does not matter
if you have been turned down before.
These are either a prepaid debit card. Or a secured credit card.
What is the difference between the two? There has
been much confusion because the basic setup to obtain a prepaid
debit card or a secured credit card are very similar.
They both require you to deposit money, in advance, to set up an
account and start using the card However they operate very
differently and have different benefits.
So which one is best for you? It depends on your
particular circumstances and your individual immediate needs:
Prepaid Debit
Cards
Prepaid debit
cards are basically ATM cards just like what a bank gives you
with a basic checking account. It really was not that long ago
when ATM cards were just plain looking cards with the bank's or
company's name on it. But in the past few years nearly all of
them now have the VISA or MasterCard logo. This allows you to
use them at any store, online, any ATM machine, or any where
VISA or MasterCard is accepted. This is what causes all the
confusion.
The bottom line with a debit card
is that you load money on to the card, and then you use it up.
There are no monthly bills. There are no interest charges. You
are not required to make monthly payments on it.
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For Example: If you have a $500 balance and you charge $450
worth of stuff on it. You now only have a $50 balance. Once that
is gone you can no longer use the card until you put more money
on it. And this repeats itself. You load money on the card..
then you use it.. then you load more money on the card.
If your main concern is just to have a card, that is accepted
everywhere, to conduct your day to day living expenses. Or you
need to set up direct deposit of your paycheck. Then a prepaid
debit card will be the solution for you.
Account Now is considered one of the very
best pre-paid service providers. It operates just like a
checking account, and is used by millions of people throughout
the U.S. who for various reasons have been denied a checking
account.
There are No Credit Checks and No
Chexsystems Checks. You get a ATM debit card with a VISA logo. A
routing number and account number for easy set up of direct
deposit. 24 hour access to you money. Online bill pay services
and more
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AccountNow
gives you the ability to have direct deposit of your
paycheck. Plus 24-hour access to your money! Inexpensive
services
that will allow you to pay your bills online, and a ATM card
with
the Visa logo that is accepted nearly everywhere in the world
Whether you have fair credit, bad
credit, no credit,
or a bank has denied you a checking account...
AccountNow
has been rated the best in this debit card
service by consumer surveys, and past customer feedback.
Simply click below
to apply! Your application will be processed.
Your account will be activated. And your ATM card will be mailed to you.
Then the sooner you fund your account the sooner you can start using your card.
If you want Direct Deposit, just give your employer your routing & account
number.
Unlike the prepaid debit cards, the secure credit cards are real
credit cards. They are specifically designed for people who are
unable to be approved for a traditional credit card. With a
regular traditional credit card you are given all the credit
upfront.. then they send you the card.. and you are free to
start using it.
But with a secure credit card you are
required to establish an account upfront. It is held as
collateral. Then the credit card is sent to you with a credit
balance equal to the amount you have in that account.
For Example: You set up account with $500.
Then you later receive a credit card with a $500 credit limit.
The bank account you set up is only collateral. It is separate
from your credit card.
Therefore if you charge $450 worth of
stuff on the card. You will receive a bill for $450. You will
have to at least make the minimum payments on that bill every
month.
What is the other big major difference
between a secured credit card and prepaid credit cards?
With secured credit cards your monthly payment history on the
card are reported to all three of the major credit bureaus.
Equifax, Experian (use to be TRW) and Trans Union.
Again, it is important to remember that.
even though it is secured, and you had to put up money in order
to get it. This is a very real credit card. If you don't make
payments on time that will also be reflected on your credit
report.
If you have less than perfect credit and
your main concern is to rebuild and repair your credit report.
Or if you are somebody that needs to establish credit then a
secured credit card is the best choice for you.
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Public Savings Bank
Secured Visa Credit Card has consistently ranked as one of
the best services available. Public Savings Bank Visa functions
exactly like a regular Visa Card and is accepted anywhere Visa
is accepted.
Your funds are held in
a real 100% FDIC insured Bank.
Public
Savings BankSecured Visa does reports your good payment history to
all 3 major credit bureaus. This means that using the Public
Savings Bank Secured Visa actually helps you start credit, or
repair and rebuild your credit report.
It has 0% APR for 6
months. Unlike many other secured cards there are no annual, or
monthly fees. And the minimum amount to start the account is
only a $300 deposit. This makes it one of the most inexpensive
secured credit cards.
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Here is how the
Public Savings Bank Secured Visa
will benefit you:
* No Credit Checks
* Low Minimum Needed to start Account
* Your History is reported to all 3 Credit Bureaus
* Card Allows you to Build, or Repair Credit Report
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My Student Loans Really Became a
Problem!
I
never finished the school. I moved back home and kind of forgot about it.
But my mom did say it would catch up with me.
I got turned down for a department store card. I even got denied when I
tried to open a checking account.
I hate little things like having to go in the store just to get gas. I
want to be able to use a card at the pump and go. And I can't get direct
deposit from my job until I have somewhere they can send it to.
So to me getting a card became a necessity.
I got on this website and applied at Account Now with my
information.
I gave my job the routing, and the account number. My Visa card came in
about 3 days, and my money was in there the next payday. It was that easy.
E. Benson
Columbia, SC
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