Wanting a prepaid credit card, Advice required

khampson

Hi, I am fed up of my crdit cards because I am constantly using them to buy online and forget what is spent where, I am quite good with money but want to end all the shocks of the bills coming in but still want the benefits of credit card protection, also I though it would be a good idea to load the card weekly with a standing order from my Halifax bank account?

So I am considering a pre paid credit card and would like some information and help, what is the best card to go for and are there any fees involved in buying goods using it? I don't pay fees using my standard Halifax one card so I don't think you should be charged for using a pre paid one.

What are the benifits of using a pre paid card? also when I go to places that charge a fee for using credit card usually 3% doo these charges still stand or are they more like debit cards?

Can anyone suggest a good card with no hidden fees for me to use.

Keith

Dabooka

Why don't you just transfer your credit card spend into another second account. That way you'll see what money you have left to spend each month knowing the bill is taken care of when it comes in.

Only saying this as I think you do get charged loading fees and suchlike on pre-paid cards. Might be wrong though!

TakeThis

Sarah_Catterick wrote: »

Hi Keith

I work with CashCase

Hope that helps.

Your post is against forum rules. You should remove it before it gets deleted.

The OP should be aware that they lose Section 75 protection when using a PrePaid card.

Lucy-Lew

All prepaid cards charge fees one way or another. The trick is to find a card which suits your life-style. Fees vary for charges on atm use, various load charges, or point of sale (paying in shop directly wth card) but no card will charge high rate for all of these services ~(unless you are the brains behind the kardashian card and we all saw how that worked out!)
e.g If you use your card to shop online a lot, then you will need a prepaid card which doesnt charge for online transactions, you will choose a card which charges for atm withdrawals instead, and just never use it for atms, only online!
This way you always know what you are spending, can check online, and never go overdrawn. There are some really good comparison sites out there which let you compare fees easily

The "Everyday Money" section of money supermarket.co.uk has heaps compared for you!

SnowTiger

khampson wrote: »

I am considering a pre paid credit card...

Why don't you simply use a debit card?

Neteller and the AA offer pre-paid credit cards that are free to obtain, don't come with a (monthly) fee, and don't charge for top-ups or purchases.

Orange offer a similar card, but you have to buy it for £5. Orange's card also comes with wave and pay, which some might consider an advantage... or disadvantage.