Rosario Hill asked:




Here is some advice on your prepaid credit card application. These funded re loadable cards are available online and in local retail stores. These cards can be recharged and used again and again. You could use them anywhere Visa or MasterCards are accepted. Here are some tips on what to look for when applying.

You could apply for these cards online or at any stores that provide prepaid cards. The benefit of applying online is that it comes with a free online account where you could check your balance and recent transactions. Some cards are now equipped with free credit builder. Every bill you pay will be re-ported to the three major credit bureaus. This option is good for individuals who are looking to decrease their debt and increase their credit score.

Everyone who applies for a prepaid credit card is approved. That’s right; there is a 100% approval guarantee. There is no Chexsystem or credit check. Even if you filed for bankruptcy in the past you could still receive your card today.

The biggest benefit is the free options these cards are loaded with. There is no late fees, no interest charges, and no over limit fees. Many Americans only pay interest on their credit cards. Using a prepaid debit card eliminates all these charges.

Remember, you only get to spend the amount of money you put in your account. It is possible to have direct deposit to your account so you won’t have to pay to cash your checks. This is one way to control your budget and never get in to debt by using credit cards.

To apply for a card is relatively easy. Just fill out the application and you are instantly approved. This could be done online or at any stores that provide prepaid cards.

Bradley

Trouble in Texas asked:


My husband got a credit card during our marriage and we always paid on time but due to job layoff and illness we fell behind.We are both working now but make only enogh money to pay for the bare necessities.So now he’s had an arbitration award made against him. In the state of Texas (community property and family code laws) will they come after me since I did not sign the application? Should I get a separate bank account in my name only to protect my wages? Can he direct deposit his paycheck into his sister’s account or will the creditors find out from his employer his sister’s bank account info and freeze his money and his sister’s too?Direct deposit is mandatory at his company. Please help we are not deadbeats. We’re just having a hard time right now.

Louise