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Prepaid Debit Cards No Fees

Debit Cards And The Real Truth

By Bill Kirklinson on April 08, 2012

If you are shopping around for secured cards, stay away from prepaid cards. These are actually debit cards, and they do not report to the major credit bureaus. Many of them charge extra fees as well, and all they are is another checking account. Lay down a deposit, and get a real secured credit card that will report to the bureaus and help improve your credit score.

Debit Cards

Use credit cards to spare yourself bank fees, and hassles. Some credit cards can be fee-free, when paid off in full every month, whereas debit cards can have fees all over the place. Millions are using prepaid credit cards, to direct deposit their paychecks, bypassing banks altogether to save money.

To avoid accidentally racking up unintended credit charges, put your credit cards behind your debit cards in your wallet. This way, if you are even in a rush, and not paying attention, you are more likely to slide your debit card instead of charging something you did not intend to.

Credit cards are growing as the electronic medium of choice for many individuals, who prefer them over the increasing regulations and fees of debit cards. Given the growth and expansion of this area, you too can benefit from the advantages that credit cards have to offer. Apply what you have learned in this article to use them in a way that benefits you.

Quality Advice To Follow About Credit Cards

While there will always be a need for some physical cash in your wallet, credit cards are the future of money exchange. As banks ramp up fees for debit cards and regular accounts, a growing number of individuals are just using credit cards for all their electronic money storage and transactions. Read on to learn how to maximize this growing area of the world.

Mark your calendar for the day that you are expecting to receive your credit card statement. If your statement does not arrive when it is expected, be sure to contact the company as soon as possible. You must get a statement each month, carefully read through it to be sure nothing is missing , or additional charges do not appear.

An important aspect of smart credit card usage is to pay the entire outstanding balance, each and every month, whenever possible. By keeping your usage percentage low, you will help keep your overall credit score high, as well as, keep a substantial amount of available credit open for use in case of emergencies.

Do your research prior to applying for a credit card. Certain companies charge a higher annual fee than others. Compare the rates of many different companies to make sure you get the one with the lowest fee. Also, do not forget to find out if the APR rate is fixed or variable.

If you have more than one credit card, leave one at home always. Use it perhaps for online purchases made from home, but do not take it out with you. This way, if you do wind up slipping up and running up the cards in your wallet, you still have an available credit card to use for emergencies.

Original article published on SooperArticles.com

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