==== ==== How To Get A Debit Card? Here's a company that will give you $20 when load your Debit Mastercard with $40 and, will give you another $20 for each person you refer who does the same thing. http://MyNetSpendCard.ws ==== ====
In life we all come across scenarios where it is best to pay for something with a credit card. Take purchases online for instance; the credit card has the added benefit that it is widely accepted by many online merchants and payment is instant from the buyer to the seller. By being able to pay with a credit card you will be able to receive the item in the fastest possible time available. If you had to send a check to an online merchant it might mean waiting for the check while it is in transit, than waiting for the check to be deposited, and than after it is deposited you will have to wait for the check to clear. All this may take a few days up to a full week to complete before the merchant even packs and ships your products. The worst case scenario may even mean the merchant doesn't accept any other form of payment except for credit cards, so count those cash, check, and money order payment methods out. Credit cards also offer many forms of protection for the consumer. Many reputable brands of credit card such as those which carry the Visa, MasterCard, or Discover logo have more features such as satisfaction guarantees and protection from fraud sales. Don't expect the same features when you're paying with checks. Credit cards come in two forms, secured and unsecured. An unsecured credit card is a card which is backed by nothing except for the promise from the cardholder that they will pay their debt off when it becomes due. A secured credit card also known as a prepaid credit card is a card which is backed by funds that are pre-deposited or prepaid into the account. These cards are great options for those who have a hard time controlling their spending or are opening a card for a child who hasn't developed a sense of responsibility yet to handle a large credit line. Secured credit cards are also great options for those who have bad credit and want to rebuild their credit scores in order to obtain unsecured credit cards. If you have really bad credit scores, than the only option for you may be in the form of a secured credit card. By securing your spending limit with funds first this essentially relieves some of the risk that the card company will take by issuing your the card while still offering you the services and benefits of having credit. Thus it is much easier for someone to apply and be approved for a secured credit card since it is based more on what you're able to deposit than how you are with timely payment schedules or if your job is stable. I know many people are concerned that by depositing their money into a secured credit card that the money no longer becomes theirs. They see this comparison with store cards such as the kind you get at Starbucks where you buy a pre-charged gift card or a Visa Debit Gift Card. But unlike
those cards secured credit cards are essentially the same as money because what you put in there stays there until you use it. The funds can even be used at an ATM to withdraw money that you need which is something you can't do with the Starbucks card. The Starbucks card usually won't cash you out unless you have an absolute emergency reason to get your money back out. Secured credit cards have also become much more convenient for those who need them as well. Many secured cards will even allow you to have your employer direct deposit funds directly into your credit card account so that you will have the money you need available immediately. There are many credit cards currently on the market and if many of them have already declined you than it may be time to look into applying for a secured credit card as your credit might not be strong enough to get approved for an unsecured credit card.
Click Here and Read a review I did on one of the better secured cards on the market. Advantages of Rush Card. My Blog http://www.tranharry.com/
Article Source: http://EzineArticles.com/?expert=Harry_Tran
==== ==== How To Get A Debit Card? Here's a company that will give you $20 when load your Debit Mastercard with $40 and, will give you another $20 for each person you refer who does the same thing. http://MyNetSpendCard.ws ==== ====