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Western Union Gold Visa Prepaid Card

Western Union Moneywise Prepaid Debit Card

By Jacobey Larstons on March 24, 2012

The newest types of Visa and MasterCards are called prepaid debit cards. You have seen celebrities endorse these, from hip hop start to the well known Suze Orman.

These cards are issued as a Visa or MasterCard however they are not a traditional credit card. The difference is with a prepaid card you must first deposit money on your account before you can use your card for purchases.

Your card can be used for purchases online and over the phone. You can use it all over the USA and even internationally. It also can be used to rent a car, reserve a hotel room, buy gas at the pump, book airline travel...

It will also act similar to a checking account because it will enable you to use a bill payment system to send checks to pay your bills. To use this just login online in the bill payment section fill in the necessary information, the date you want the checks sent, the amount, the business or individual you want to pay, and you're done.

Approval Process

There is very easy approval and no credit check for these cards. As long as you are a United States citizen with a valid mailing address and a social security number then you are approved. You do have to comply with the US Patriot Act, a new law that all financial institutions must comply with.

If you have had a bank account closed for chexsystems you can still get approved for this card. It will provide you with the purchasing power of a Visa or MasterCard which is almost a requirement in today's technology driven economy.

How Do I Deposit Money

You can deposit money for free by using direct deposit from your employer, pension fund, benefits check, tax returns... All you need to do is print out a form online fill in the necessary information and turn that into your check provider. Within one to two pay periods your checks will begin to get deposited into your prepaid card account directly.

This can save you anywhere from $3-$5 on check cashing fees every pay period. It is also reported that you will get your money anywhere from 24 to 48 hours quicker using direct deposit, this can come in handy the last couple of days of the month or when bills come due. You can also add fund through a variety of other methods including a money transfer, and cash at a retail location.

Money Management Tools

This card provides you easy money management tools. You can access your account 24/7 online and customer service. Additionally you can sign up for free text and e-mail alerts about your account activity.

This card can help you manage your money and stay on a budget. You will never be charged any interest rates or any overdraft fees. There is easy approval and no credit check so if you are currently paying the high expense of check-cashing fees and buying money orders then this could be the right card for you. They are currently giving you free online activation.

Original article published on SooperArticles.com

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