How to Get and Use a Prepaid Visa Card

If you are looking for a way to manage your finances or want a credit card but have poor credit, a prepaid Visa card may be the answer. You can use a prepaid Visa anywhere Visa is accepted, whether online, by phone or in a store. It can also be used at ATMs to get cash. With a prepaid Visa, you cannot spend more than you have loaded on the card.

Things You'll Need

• Money
• Identification

Instructions

1. Locate a store or bank that sells the prepaid Visa card. Most supermarkets sell these cards. Or visit the Visa website to locate a store in your area.

2. Purchase the card in the store. You may be asked for ID. To get the prepaid Visa card, you must be at least 18 years old, but a credit check or bank account is not required.

3. You can add money to the card right at the retail location where you purchased the card. Direct deposit is also available for many prepaid Visa cards. The information on the deposit options will come with the card.

4. To make a purchase with the prepaid Visa card, make sure you have enough money on the card before making the purchase. Then use it like you would use any credit card.

5. You may be able to check your balance right at an ATM, by phone or on the Internet. Instructions for checking your balance will come with your prepaid Visa card.

Tips & Warnings

• If your card has been authorized for a purchase and you change your mind about the purchase and cancel the transaction, it can take up to three to seven days for the funds to become available again.

References

• USA Visa: Reloadable Cards