Posts Tagged ‘prepay credit card’

1. Getting away from it all with a fast cash payday loan

   Posted July 23rd, 2011

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   You may not always be lucky enough to be able to arrange your holiday for just after you get paid. If your payday falls midway through your holiday, then a fast cash payday loan can provide you with a bit of extra spending money when you need it before you go, to take care of those last minute extras that always seem to crop up.

   Your holiday may be all paid for but you may still need to stock up on things such as:

   • aftersun;

   • sun cream;

   • new sunglasses;

   • a few books for reading around the pool etc.

   Of course, you could buy these things when you get there but who wants to spend their precious holiday time shopping?

   If you add these costs to the fact that you may need to pay bills that you know are going to crop up while you are away and potentially have to cover airport parking charges and taxis etc, then you could find that it may be difficult to make your money stretch as far as it may need to.

   A fast cash payday loan may be able to help you cope by providing you with a modest cash injection of perhaps £100-£250 until you next get paid.

   If you’d like the chance to spread the costs over a slightly longer period then there may be the option to pay the advance back on your next but one payday. You may wish to bear in mind that the longer you borrow the money for, the more you may typically pay in interest.

   If you already have an active prepaid speed-e-card then you can arrange for a cash advance from speed-e-loans to be loaded straight onto it. As a speed-e-card is backed by MasterCard (a globally recognised brand) you could then just take it with you on holiday and withdraw money at a local ATM in the local currency, as and when you need it.

   That may be a bit safer than taking all of your holiday spending money with you in ready cash.

   For many people, their annual summer holiday is the highlight of the year. Using a fast cash payday loan may take the hassle out of last minute purchases and help make it a holiday to remember.

   Tags: fast cash payday loan, instant cash advance, instant payday loans, prepaid credit card, prepaid debit cards, prepay credit card
   Posted in payday loans, prepaid cards | No Comments »

2. Need a deposit for a spring break? Consider payday loans

   Posted February 1st, 2011

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   Payday loans may help make the late winter period same just that bit less miserable.

   How?

   Spring breaks

   Many people love to say a not-too-fond farewell to winter by treating themselves to some sort of spring break.

   That may be a long weekend away, a few days in a health spa or perhaps a quick trip to somewhere warm and with blue seas.

   The trouble is, some spring breaks require that you find an immediate deposit. If you are still trying to get over the expense of Christmas and the New Year, then finding that deposit might be problematic.

   That might be even more the case if you are still a few weeks away from your next payday.

   Bridging the gap with payday loans

   That’s where cash advance loans may come in very handy.

   They are a relatively new form of loan that may be able to make modest amounts of money available to you at short notice and with the minimum of bureaucracy.

   If you were looking for amounts of, say, somewhere in the region of £100-£250 to use on something such as a spring break deposit, the payday advance loan may be able to lend you the money until you next get paid.

   It works very simply. You make an application online and you’ll typically get a very fast decision. If approved, the money could be in your bank within as little as 2 hours or by the next working morning. If you have an active prepaid speed-e-card, the monies from a speed-e-loan payday can be loaded straight on to your card, giving you immediate access.

   A prepaid speed-e-card may also prove useful as a way of spending money abroad if you are having an overseas spring break, without the need to carry cash or change up Travellers Cheques.

   Paying it back

   When your next payday arrives, you simply pay the loan back in one go (typically by a charge to your bank card from the loan provider).

   It is all typically very quick, very easy and it may cast a lot less than you would imagine.

   Recharge the batteries

   Winter in the UK can be a fairly dismal affair. Nothing can really make it disappear faster than nature will allow but booking yourself a spring break may be a major morale boost.

   It will give you something to look forward to and the anticipation of being able to recharge those emotional batteries that can so easily become drained during the winter.

   Payday loans may help you achieve that!

   Tags: cash advance payday loans, easy payday loans, payday advance loans, payday loans, prepaid cards comparison, prepay credit card
   Posted in payday loans, prepaid cards | No Comments »

3. Looking for a prepay credit card for your holidays?

   Posted September 3rd, 2010

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   How may a prepay credit card help your holidays?

   Security

   Whether you’re having a break in the UK or overseas, carrying around chunky amounts of cash on you might not be a smart idea.

   That may be particularly true abroad where some pickpockets and thieves may be able at a glance to spot you as a potentially vulnerable tourist that may have extra cash in your pockets or bag etc.

   Having a fully PIN protected prepay credit card means that even if it was stolen or lost, typically it couldn’t be used and you could cancel it with a single phone call.

   Control

   Convenient as a credit card may be, it carries with it the risk of allowing excessive spending to an extent that could get you into debt.

   The prepaid credit card carries no such risk

   That’s because, in spite of its name, it isn’t really a credit card at all.

   Loading the prepaid card

   It couldn’t be simpler.

   You apply for one from a provider. It looks and functions just like any other plastic card and can be used in ATMs or outlets that accept the card’s branding (e.g. MasterCard).

   The difference is, you can only spend to the extent that you have previously loaded cash (ie. credit) onto it.

   You just take it to a PayPoint outlet to load money onto it and then it’s ready to go.

   In fact, if you have an active speed-e-card, you may even be able to put a payday loan from speed-e-loans directly onto it. That might be useful if you’re looking for a little extra holiday spending money.

   Sharing

   Using this form of card might also be useful if you have older children that are going out and need a little spending money.

   The prepaid card allows you to pass over a limited sum. The children can’t get carried away in spending and once again, even if the card were stolen it’s secure.

   Credit history

   Perhaps the final big advantage with this sort of card is that as no credit is involved, no credit history check is required to obtain one.

   So, even if you have some credit history problems, you’ll typically still be able to apply for a prepay credit card.

   Tags: prepay credit card
   Posted in prepaid debit cards | No Comments »

4. Looking for a prepay credit card for your holidays?

   Posted July 3rd, 2010

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   You may be thinking about taking a prepay credit card with you when you go on holiday. After all, it is potentially a safer and convenient way of having holiday money to hand compared to taking travellers’ cheques or local currency.

   But first of all, it is important to realise that a prepaid card is not a credit card at. The latter works in that you load up the card with cash and spend it. Once you’ve spent the money on your card (which can typically be used like a credit card to make online purchases or in shops, restaurants etc) you can then top up the prepay card again.

   This leaves you able to control your finances without the fear of running up a credit card debt as you only spend what you have loaded on the card.

   While you may be tempted to think that all prepaid card providers offer exactly the same product, that may not actually be the case and it may pay to shop around.

   To start, while some prepaid cards are branded with the globally accepted MasterCard logo, others may not be.

   Then you may find that different providers may charge different fees for each of the various types of card transaction. You may find it beneficial to consider how you are going to use your card on holiday and factor these charges into your selection process.

   Debit or credit

   Whether they are called a prepaid debit or prepaid credit card, the way these cards work is typically exactly the same.

   You can only spend cash that you have previously loaded on to your card. Typically that’s at a PayPoint outlet or if you have a card with an e-bank account, perhaps through a standard bank transfer.

   In either case, you can only spend the money that you have chosen to load onto your card.

   So you can’t really spend more than you intend to or run up a credit card debt.

   Link it to a loan

   If you are lucky, you may have been able to arrange your holiday for a time most convenient for you and your payday.

   If you haven’t and are facing the prospect of cutting back on your holiday spending money because you get paid while you are away, then you may want to consider a Speed-e-loan, which is a form of payday loan.

   A payday loan allows you to borrow relatively small amounts of money for short periods of time which you could then load onto your activated Speed-e-card prepay credit card.

   Don’t worry about having to arrange the repayment for the loan while you are away. This will be done automatically on your payday while you are relaxing by the pool!

   Don’t be tempted to spend

   A prepay credit card could be really useful if you are trying to keep to your holiday budget, while at the same time giving yourself the flexibility and convenience of using a card when on holiday.

   Tags: prepay credit card
   Posted in prepaid cards | No Comments »

5. Getting a prepay credit card

   Posted April 21st, 2010

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   If you already have a credit card, you may be wondering why on earth you’d need a prepay credit card?

   Well, it depends!

   Some of us find the conventional credit card both a friend but also something of a curse. Many of us will admit, perhaps privately, that sometimes that credit limit has burned a hole in our pocket and encouraged more spending than was entirely healthy.

   Of course, it’s possible to argue that this can be avoided if we leave our credit card at home and just take our chequebook and cash out with us.

   Even there through, there are some problems:

   • cheque books and even cash, may encourage the use of expensive overdrafts;

   • cash in particular, is very vulnerable to theft;

   • some payment facilities no longer accept cash and cheques (eg. web sales, ticket machines or 24/7 garage pumps etc).

   This is where the prepay credit card may be able to step in to help.

   It works quite simply.

   While it is not a credit card at all and should really be known just as a prepaid card, it is similar to an ordinary credit card as you can use it for internet and telephone purchases and other non-cash places such as some car park machines etc.

   The big and important difference is that with a prepay card you can only spend what you have already loaded onto it. So, you can go into a PayPoint outlet and load money onto your card, or transfer the money in from your bank account. In some cases you may even have your employer load your wages directly on to it. From that point on it will function like any other plastic payment card except you can’t spend more than you have on it.

   It’s potentially a very useful method of controlling your spend or passing spending power to your kids that’s both safer than cash and which won’t allow them to go crazy.

   Some providers even offer SMS messaging to alert you every time a purchase is made on your card, letting you know exactly where you are with your spend or alerting you to fraud.

   Another bonus – if you have blemishes on your credit record, it may stop you getting a conventional credit card. Yet with a prepay card, as there’s no credit involved you may probably still be eligible if you do have credit history problems.

   Having access to a plastic payment method says something about you to those around you. The prepay credit card may allow you to achieve that status and flexibility without the need for extensive credit arrangements and the worries that may come with a conventional card.

   Tags: prepay credit card
   Posted in prepaid debit cards | No Comments »