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How To Get A Prepaid Credit Card From The My Green Dot Program

By Steve A Jacobson on July 20, 2011

If you're tired of the lengthy application processes that many credit cards require, you might be excited to see how easy it is to get a prepaid credit card. The My Green Dot program offers numerous prepaid cards that are simple to get and even easier to use. These prepaid cards have the same benefits of traditional credit cards without the typical hassles. You'll never have to pay any finance charges or late payment fees, nor will you have to keep a minimum balance on the card.

Determining Whether a Prepaid Card is Right for You

As you decide whether or not to get a prepaid credit card, keep in mind that you won't have to submit to a credit check. Though there's no way to avoid a credit check when you apply for a traditional credit card, the My Green Dot program will never ask for your credit score or banking information. Because applying for a new credit card can hurt your credit rating, this is one of the greatest benefits of choosing a prepaid card. You'll avoid the inquiry into your credit report and the future damage that a credit card can cause your score.

Generally, prepaid cards are best for consumers who want to avoid getting into heavy credit card debt. By paying for your purchases in advance, you'll prevent yourself from charging more than you can actually afford. There are also no penalty fees or interest charges for prepaid credit cards, so you'll never have to pay for an unexpected bill again.

Getting Your Prepaid Card: Where to Go

Once you've decided to get a prepaid credit card, you can either head to a local retailer or to the My Green Dot website. Green Dot prepaid cards are available at more than 50, 000 retailers across the country, making it easy for you to find one at a convenient location near you. Check in the prepaid card section of stores like CVS, Kmart, Rite Aid, Walgreens and 7-Eleven. After you have your initial card, you can also head to these retailers to purchase a MoneyPak. The MoneyPak allows you to reload your card or load money to a PayPal account.

If you prefer to make purchases online, you can find a prepaid card through the My Green Dot website. In many cases, you can get the activation fee waived by purchasing your card online. You might also find other promotions available, such as an offer for a $10 bonus gift with your first Direct Deposit. Cards can also always be reloaded online through the company's website.

Choosing the Best Prepaid Card

When you get a prepaid card from the My Green Dot program, there are several versions to choose from. Standard Visa and Mastercard debit cards are perfect for all kinds of spending and will be suitable for any consumer. You'll enjoy all the great features of prepaid cards, including free ATM withdrawals at thousands of locations nationwide. Student cards allow you to help teens and college students with school expenses or gas money, while also teaching them the value of responsible spending. You can even get cards especially for online shopping or paying bills. These versions of the Green Dot card will help you manage your finances and enjoy secure, protected transactions. Regardless of which card you choose, you can't go wrong with a prepaid card that allows you to easily monitor your spending and avoid debt. Choosing the right prepaid card is just the first step in defining your financial future.

Steve Jacobson writes about many different financial topics including, debt, investment, credit cards, My Green Dot and more. Always looking for the best prepaid credit cards and rates, Steve usually uses http://www.facebook.com/GreenDot as a recommendation for those looking for a great alternative to credit cards.

Original article published on SooperArticles.com

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