PAYG Credit Card

MissMuppet

I saw someone mention this the other day and as I am an online shopper most of the time this would be something I'd be interested in... anyone tell me where I can find one and how it works??

Thanks!

pistonbroke

There are a few about, check out http://www.moneysupermarket.com/cards/prepaid-cards-guide1.asp


We looked at that and decided to go with the SplashPlastic one

They work in a shop or online like a debit or credit card, but you can only spend what you have put on them, like a pre pay mobile phone. You can top them up at Paypoint places as well as the post office and from your bank account.

gratton20

Hi

I got one, I went for the Virgin prepay mastercard. it seems quite a good deal. I paid £9.95 to get the card, and to put money on it is free if you do with a debit card from a bank account, or from a post office counter. If you do it via paypoint it costs about 3% of the amount you put on it. There is no ongoing monthly fee but you pay about 3% (or just under) each time you use it to make a payment. I have found it very useful to pay on the odd few sites that dont take a Solo card or Paypal. - Hope this helps. There is a website -

http://uk.virginmoney.com/pay-as-you-go/tcs.html

Hope this is helpful.

finito

Have a look at www.mycashplus.co.uk

I have had one of these for a month or so now and am very happy with it!

If you wanted to, you can even have your salary paid onto it via payroll and the BACS system.

DEBTMONKEY1A

Hi! Try the BREAD card (google it-it also won an award as being best for fees, etc on the travel supermarket site)-it's MAESTRO & can be used on-line. The mycashplus is also the best (in my opinion) of the credit cards-it's a mastercard-if you only use it save once/twice a month you have the option to pay a quid or so (forget the exact ammt) per transaction-rather than a fee per month. I use both & they are great! Don't forget-you can open a Co-Op cashminder bank a/c-this comes with visa electron.

sleeplessnights_2

I have just ordered a pay as you go Virgin Credit Card, as my OH opt'd for this one

xx

saubryn

I used to use Splash Plastic until I got a Citibank account - I'm not bankrupt, but my credit rating is diabolical at the moment, and they still accepted me. The account comes with a proper debit card which is accepted online (not a visa electron, but a full debit card). I'm not sure if they accept bankrupts, but I think they do.

Now I've got that account I use it for almost everything - it's much easier than needing to remember to top up the card, and there's no fee for transactions.

fermi

Citibank were offering those accounts to ex-bankrupts and people with poor credit ratings earlier this year.

But from the experiences of people on this and other forums, they appear to have put a stop to this now. People with a poor credit rating are now mostly refused.

MissMuppet

Thanks guys, I have no idea which one to go for now... have looked at all the different ones and the fees have confused me, so will maybe take another look tomorrow!

lemonshaker

Hi all

I opted for a Ministry Of Sound Maestro card as i only have a basic cash card at the moment!

Good thing about it is there are no monthly fee's and the payment rates are very good!! Also as I dont even have a solo I used my texts from my mobile to register and they sent me my cool looking card within about 2 weeks!!

Look at www.prepay.ministryofsound.com or type in ministry of sound maestro into google

hope this helps

ray

MissMuppet

I went for the Splash one, and they have it in pink, how exciting!!! I'm in France at the mo but hoping it will be at home when I get back tomorrow...