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Pay as you go credit cards

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TenaciousP_3
TenaciousP_3 Posts: 2 Newbie
in Credit cards
Does anyone have any good advice or experience about pay as you go credit cards for people who need the convienience of a cc but can't get credit?

I have searched the site but can't find anything, it would be good to see Martin Lewis do an article on them.
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  • King_Of_Fools
    King_Of_Fools Posts: 1,594 Forumite
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    My advice is do not use them they ar a rip-off!

    Seriously, they give you no benfits over a debit card but cost a lot more to use!
  • Morglin
    Morglin Posts: 15,920 Forumite
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    I don't know much about them, but here's a link to info about The Daily Mirror's Quidity card.

    http://www.mirror.co.uk/mirrormoney/mirrormoney/tm_headline=net-a-great-bonus-with-quidity-card&method=full&objectid=18095497&siteid=94762-name_page.html
    You can tell a lot about a woman by her hands..........for instance, if they are placed around your throat, she's probably slightly upset. ;)
  • Gingertom_2
    Gingertom_2 Posts: 39 Forumite
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    I use a Pre Paid Card and it great. I download £100 on to it from the PostOffice as needed ...cost only 70p. I use it for all internet purchases (no charge) ie Amazon...EBay...Price Drop TV etc. The most fraud I can ever be taken for is whats left of my £100...I can never knowlinly overspend. If I use my MBNA Credit Card for example and it get "Compromised" in any way I can get "taken" for a lot of money as my limit is £16,000
  • King_Of_Fools
    King_Of_Fools Posts: 1,594 Forumite
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    Gingertom wrote:
    I use a Pre Paid Card and it great. I download £100 on to it from the PostOffice as needed ...cost only 70p. I use it for all internet purchases (no charge) ie Amazon...EBay...Price Drop TV etc. The most fraud I can ever be taken for is whats left of my £100...I can never knowlinly overspend. If I use my MBNA Credit Card for example and it get "Compromised" in any way I can get "taken" for a lot of money as my limit is £16,000
    Yes, but you would not be liable for any fraud so it would not be your problem!
  • tazzababe
    tazzababe Posts: 378 Forumite
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    I personally wouldn't get one. Here is the link that will take you to Working Lunch- a great money programme. It gives an overview of the card and you are able to watch the actual programme clip which may be helpful.
  • furndire
    furndire Posts: 7,308 Forumite
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    Personally I would object to being charged for the priviledge of using my money - no matter how small the charge. I don't use ATMs which charge for the same reason.
  • Zebedee69
    Zebedee69 Posts: 1,034 Forumite
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    Why dont you use a debit card??????

    If you have a Visa Electron (Not Accepted Everywhere Online) then ask for a Visa Card Instead. Thats what I did, cant see the point of paying to use your own card...???
  • TenaciousP_3
    TenaciousP_3 Posts: 2 Newbie
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    Thanks everyone for your feedback.
  • tom188
    tom188 Posts: 2,330 Forumite
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    Zebedee69 wrote:
    Why dont you use a debit card??????

    If you have a Visa Electron (Not Accepted Everywhere Online) then ask for a Visa Card Instead. Thats what I did, cant see the point of paying to use your own card...???

    Not everyone can get one of these, particularly those with a poor credit history or with basic bank accounts.
  • gingercordial
    gingercordial Posts: 1,681 Forumite
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    Some websites don't accept debit cards.
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