Pre-paid cards help deal with poor credit history
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If you’ve got a poor credit history one of the problems is that it can be hard to get a credit or debit card. This can make it difficult to buy online, and it can be very inconvenient when travelling.
There’s a good article on Martin Lewis’ excellent Money Saving Expert site about pre-paid cards.
These are cards you can get without a credit check, because you have to load money onto them first. They can then be used like an ordinary credit or debit card until the money on them is exhausted. So they work in the same way as a pre-paid pay-as-you-go phone card.
The best of the pre-paid cards can be used in the same hotels, shops and web sites as normal credit or debit cards - many belong to the same Maestro or Visa networks. Martin’s article goes into the pros and cons of pre-paid cards, including hidden charges.
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