How to Get a Pre-Loaded Credit Card

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Credit cards are a convenient form of payment for many people. For those who don't want to carry cash, they should consider using a prepaid credit card. Some benefits of using pre-loaded credit cards are that you have the option to freeze the account in the case of theft, obtain a new card or report fraud should the user be a victim of identity theft.

Things You'll Need

  • Cash

Retail Stores

  • Visit a store in your area that carries pre-loaded credit cards. Drug stores and some gas stations carry them. Call or go to your local drugstore first, as the store is likely to have a selection of cards to choose from.

  • Select a pre-loaded card that has the best terms and conditions for you. Read the back of each card to see the conditions that apply to that specific card.

  • Pay the cashier for the card. Most stores should let purchasers immediately load money onto the card so it can be used immediately. Check with the cashier or store manager to see if you will be able to.

Online

  • Log on to PrePaid Credit Cards, a website that sells pre-loaded credit cards. (Reference 1) You can also choose a site on your own by searching for prepaid debit or credit cards.

  • Choose a card taking into account your spending habits and deposit needs. Before purchasing, read the terms of the card you are selecting.

  • The company issuing the pre-loaded credit card will likely ask for personal and financial information before sending the credit card. The time that the card takes to arrive depends on the company. The card's arrival timetable should be mentioned during the online application process.

References

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