How to Buy a Pre-Paid Gift Card Credit Card

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Pre-paid gift card credit cards are a secure way to give cash gifts, travel with money or purchase items and services online without using your actual credit or bank account. These cards can be purchased a variety of ways.

Types

  • Most major credit cards offer a prepaid service. These cards work by paying cash for a card that works just like a credit card, except you cannot use more money than what is on the card. Some cards are reloadable.

Benefits

  • Prepaid credit cards allow you to set a budget for yourself to prevent overspending. There is no interest like regular credit cards have as well. These cards can be used online without the risk of someone obtaining your personal information.

Problems

  • When you activate a prepaid gift card, the issuer will charge a fee that can range anywhere from a few dollars to over ten dollars, depending on the amount of the card. If your card is lost anyone can use it as well unless you report the loss to the issuer.

Purchase

  • Prepaid gift credit cards can be purchased at department, grocery and drug stores across the United States. They can also be purchased online.

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