Quite urgent - need pre paid credit card for holiday car rental

lr1277

flaneurs_lobster said:

lr1277 said:

This is not a recommendation as I don’t have this card.
The Yonder credit card allows you to top up the balance as you describe.There is a free version and a paid version. One or both of them has fee free fx transactions. If you do top it up but don’t use that money I don’t know how you get the top up back or if you have to keep spending on the card till you use the top up.
It is a rewards credit card but I understand the rewards are London-centric. I have seen a little negative sentiment towards the card but cannot remember the nature of that sentiment.
Use at your own risk.
Hope that helps.

Don't think so. The Yonder credit card is a credit card like any other credit card.

There are Yonder debit cards that you do top up but them's not credit cards.

https://www.yonder.com/

This web page suggests they allow top ups of their credit card:
https://www.yonder.com/how-it-works/top-up

lr1277

If you are interested in Yonder, this 3yr old article and the comments below will give you some further insight. The Headforpoints site is aimed at those who collect airline, hotel and credit card points to further their travel.

https://www.headforpoints.com/2022/09/24/yonder-credit-card/

flaneurs_lobster

lr1277 said:

flaneurs_lobster said:

lr1277 said:

This is not a recommendation as I don’t have this card.
The Yonder credit card allows you to top up the balance as you describe.There is a free version and a paid version. One or both of them has fee free fx transactions. If you do top it up but don’t use that money I don’t know how you get the top up back or if you have to keep spending on the card till you use the top up.
It is a rewards credit card but I understand the rewards are London-centric. I have seen a little negative sentiment towards the card but cannot remember the nature of that sentiment.
Use at your own risk.
Hope that helps.

Don't think so. The Yonder credit card is a credit card like any other credit card.

There are Yonder debit cards that you do top up but them's not credit cards.

https://www.yonder.com/

This web page suggests they allow top ups of their credit card:
https://www.yonder.com/how-it-works/top-up

I apologise, you are absolutely right. What an odd product, but might well be exactly what the OP needs.

Nasqueron

flaneurs_lobster said:

Nasqueron said:

Branch visit won't do that - staff there will neither be able to give OP any idea of limit nor speed up the application - they will just say to go online

Fair enough, anyone would think that these branch things were a waste of time and would be better off being shut down....

Branch visits are only really necessary for things like ID checks, there is no need for them for the vast majority of things which can be done online. Obviously some refuseniks insist on branch visits to, say, take out cash (rightly told to use the ATMs) or pay bills / pay in cheques but given almost everything can be done online, those who want to use branches have to accept there is no economic sense to banks to keep expensive storefronts open so a handful of people can use them. Even things like cash deposits can be done at the post office. The only bank I have visited in many years was due to a typo I made in an application and needed to go with ID to the bank to get it changed.

For the OP, bank staff do not process applications for credit cards (all done online) nor could they speed up any application nor give advice on limits etc as that is not what they are there for

flaneurs_lobster

Nasqueron said:

flaneurs_lobster said:

Nasqueron said:

Branch visit won't do that - staff there will neither be able to give OP any idea of limit nor speed up the application - they will just say to go online

Fair enough, anyone would think that these branch things were a waste of time and would be better off being shut down....

Branch visits are only really necessary for things like ID checks, there is no need for them for the vast majority of things which can be done online. Obviously some refuseniks insist on branch visits to, say, take out cash (rightly told to use the ATMs) or pay bills / pay in cheques but given almost everything can be done online, those who want to use branches have to accept there is no economic sense to banks to keep expensive storefronts open so a handful of people can use them. Even things like cash deposits can be done at the post office. The only bank I have visited in many years was due to a typo I made in an application and needed to go with ID to the bank to get it changed.

For the OP, bank staff do not process applications for credit cards (all done online) nor could they speed up any application nor give advice on limits etc as that is not what they are there for

I absolutely get all that, and I'm sure that banks would love to shut all their branches if they could - nasty expensive things.

But where they are open wouldn't it make sense to offer all kinds of 1 on 1 services, like the card application help (or any other bank product's application) or general banking enquiries?

Just having a shop with an ATM and a counter where you might grudgingly be allowed to pay in a check just seems like a wasted opportunity.

Is the problem that even help filling out a form might be construed as "advice" and subject to all the rules'n'regs that flows from this?

Nasqueron

flaneurs_lobster said:

Nasqueron said:

flaneurs_lobster said:

Nasqueron said:

Branch visit won't do that - staff there will neither be able to give OP any idea of limit nor speed up the application - they will just say to go online

Fair enough, anyone would think that these branch things were a waste of time and would be better off being shut down....

Branch visits are only really necessary for things like ID checks, there is no need for them for the vast majority of things which can be done online. Obviously some refuseniks insist on branch visits to, say, take out cash (rightly told to use the ATMs) or pay bills / pay in cheques but given almost everything can be done online, those who want to use branches have to accept there is no economic sense to banks to keep expensive storefronts open so a handful of people can use them. Even things like cash deposits can be done at the post office. The only bank I have visited in many years was due to a typo I made in an application and needed to go with ID to the bank to get it changed.

For the OP, bank staff do not process applications for credit cards (all done online) nor could they speed up any application nor give advice on limits etc as that is not what they are there for

I absolutely get all that, and I'm sure that banks would love to shut all their branches if they could - nasty expensive things.

But where they are open wouldn't it make sense to offer all kinds of 1 on 1 services, like the card application help (or any other bank product's application) or general banking enquiries?

Just having a shop with an ATM and a counter where you might grudgingly be allowed to pay in a check just seems like a wasted opportunity.

Is the problem that even help filling out a form might be construed as "advice" and subject to all the rules'n'regs that flows from this?

Staff are expensive and there is also a big issue with them helping people fill in something that involves a credit check which could cause problems if something goes wrong. Say they input incorrect information or customer gives bad data then blames the staff if they get a CIFAS, or just customer dissatisfaction giving them the wrong idea on limit or chance of success. It is also expensive to give them custom systems - they will just use the same web interface everyone uses therefore customer can apply online

Horracce

Thank you all I have had to cancel the car hire and get a refund as i cannot resolve this in the available time - thanks for all your help and advice