To most consumers, prepaid credit card deals sound almost too good to be true. Consider this offer for the popular Green Dot credit card. With a card from Green Dot, you’ll enjoy the security and convenience of a traditional credit card without the interest rates, additional fees and stringent credit requirements. This precise set of benefits makes the switch to prepaid credit cards an obvious choice for many consumers. When you’re ready to join the ranks of those fighting back against traditional credit cards, here’s what you’ll need to know.
Available from Local Retailers
To get a Green Dot credit card, you don’t need to submit any information about your banking account or go through a credit check. You’ll only need to head to a local retailer and pick up a card from the prepaid card section. Check out a local drugstore like Rite Aid, Walgreens or CVS to get your card. Kmart and 7-Eleven also have a selection of prepaid credit cards available, which makes it easy for you to get a card while you’re already out running errands.
Getting a Card Online
You can also get a Green Dot credit card online through retailer websites or even through the company’s website. By purchasing your card online, you can sometimes have the initial activation fee waived. You might also be eligible for a special promotion or discount. Online retailers carry the same selection of prepaid credit cards, so you can choose the specific card that fits best with your lifestyle.
How to Buy Your Card
Prepaid credit cards are designed to simplify your life. Getting a prepaid card is much more convenient than going through the lengthy card application and approval process that you would with a traditional credit card. You’ll only need to follow these simple steps.
1. Pick the Best Card for Your Needs
When you get your first prepaid credit card, you’ll have several basic options to choose from. If you want a card for everyday use, there are standard Visa and Mastercard debit cards available. These cards are perfect for consumers who plan to use their cards for regular purchases and general spending. Parents can buy the Prepaid Student Card for kids going off to college or for teens who need to learn about responsible spending. The Online Shopping Card ensures secure transactions on the Internet for retail purchases, music downloads and more.
2. Look for Specials
Once you’ve chosen the best prepaid card for your needs, look for special discounts or activation offers. You can often find promotions from the Green Dot credit card like free activation or a monetary bonus with your first deposit. These incentives are a great way to get even more benefits from your first prepaid credit card.
3. Choose an Amount
After shopping for discounts and bonuses, it’s time to choose the amount you’ll load on your card. Some people prefer to use their prepaid credit cards exclusively for paying bills, while others use the cards for all spending throughout the month. To determine the best amount for your card, look at your budget and consider how you want to use your card. If you don’t put enough on the card initially, you can always add more money later. Of course, the money you put on the card will never expire if you don’t use it right away.
4. Activate Your Card
You can activate your card by going online or by calling the number on the back. When you register the card, you’ll need to have basic information like your social security number available. After you’ve registered the card, you’ll receive a personalized card in the mail. The personalized card will have your name printed on it and will work just like a standard credit or debit card.
5. Enjoy Easy, Affordable Spending
With your personalized Green Dot credit cards in your wallet, you’re ready to enjoy convenient shopping at any location that accepts Visa and Mastercard debit and credit cards. As you make the switch to a prepaid credit card, it’s important to remember to reload it regularly so that you’re never caught without cash. When you reload your card and use it for shopping and paying bills, you’ll never have to pay interest charges or credit card fees again. Like thousands of other consumers, you might wonder why you didn’t make the switch sooner.