If the idea of a credit card gives you pause, you can always try an innovation like the Wired Plastic Prepaid Debit Card. This card allows you the freedom of a regular credit card, but with one significant difference: with the Wired Plastic card, you will not be spending against your future earnings. Most credit cards operate on a debt base; a transaction is charged to the card, and the user is then expected to pay it off within a certain amount of time. With a prepaid card, you are responsible for determining what you spend on the card. You achieve this by “loading” your card. Loading occurs when you take money that you already have and put it on this card, creating a balance which you will then use as funds. You’ll never spend money that you don’t already have!

This type of card comes in especially handily for parents with teenagers. Most parents have some type of arrangement with their kids that allows them to buy gas for their car, clothes, and other necessities. With the Wired Plastic Prepaid card, you can be sure that your kids aren’t out spending them into a deep hole. Just give them an agreed-upon sum each month, and when it is gone, they have to wait until the next “loading” time.

Because this card is offered through the Visa company, it can be used wherever Visa cards are accepted. Using it will also qualify the person in whose name the card is issued to receive valuable membership reward points that can be put toward other wireless services such as wireless phone bills or buying wireless products. The corporate punch of Visa also allows users of this card a wide range of payment opportunities when it comes time to pay off the bills; over 3,000 billing companies accept this card as a form of payment. You can also use the card to shop online, so you can find the products you want 24 hours a day!

There are several options when it comes time to load your Wired Plastic Prepaid Debit Card. Loading your card will incur no transfer fee, and you can transfer the money to the card using Western Union, Pay Xone and Moneygram along with 100,000 other loading location free of charge. The card works both as a credit card, in which you have to provide a signature, and as a debit card, for which you must use a Personal Identification Number.

Like other prepaid cards, there are user fees that come with the Wired Plastic Prepaid Debit Card. A one-time introductory payment of $9.95 is required. After the initial payment, you will have to pay $3.95 every month to use it.

The Wired Plastic Prepaid Debit Card also allows its users to have easy access to the 24 hour help line in the event that an emergency occurs. Many companies that won’t accept a debit or credit card as payment can be paid using this prepaid card, making it even more convenient.

Anthony Samuel
http://www.articlesbase.com/non-fiction-articles/discovering-the-wired-plastic-prepaid-debit-card-65454.html

A prepaid card looks like a credit or debit card. It can be used in the same way as a credit card in shops, restaurants or online, around the world. The main difference is that there is no risk of getting into debt because you can only spend the amount of money that is pre-loaded on the card.

Many people are rejected by credit card companies because they have poor credit. You will not have that difficulty with a prepaid credit card.

The problem with today’s society is that a credit card is needed to book hotels, airline flights or shopping online. This means that people with bad credit can\’t do any of these things because they don’t qualify for a credit card. It is for this reason prepaid cards are becoming very popular.

In particular, a Prepaid Credit Card is a pay as you go credit card. These can be created by a stand-alone company, not one of the traditional banks. Using one can mean that you\’re not using a bank at all! They won’t be concerned about your credit rating.

It basically works like a normal credit card (or debit card), except that it\’s not associated with a bank account. You have to add credit at a reload center, which are located at retailers, check cashing locations and supermarkets (such as Tesco, Safeway, Wal Mart etc), then you use it as you would a normal credit card.

Unlike traditional credit cards, the Prepaid Credit Card does not extend credit to cardholders. Instead, accounts are prepaid for a specific amount, while still being backed by MasterCard/Visa for near universal acceptance. There is no line of credit and accounts are only good for the balance applied.

We will make no apology for stressing that your credit rating is not a determining factor when issuing the Prepaid Credit Cards. All applicants are accepted, regardless of their credit history subject to verification of their address etc. There is no credit check performed with any credit referencing company and the card is therefore available to all. This opens up an opportunity for those who are normally declined mainstream credit card facilities due to adverse credit, low credit score, or lack of credit history. Even young children can use these cards.

As generally used in the English language, “prepaid” and “credit card” are a contradiction in terms. “Prepaid” means you have paid for something before taking receipt of it and will not be receiving a bill requesting payment later. Whereas, “credit card” means that you will be placing the purchase on credit and the lender (issuing bank) will supply the funds to the merchant. Then later when you receive your billing statement from them, you will be required to pay in full or in installments. Thus the commonly used term “prepaid credit card” could be considered an oxymoron. So, it is more accurate calling these cards a Prepaid Visa or MasterCard.

In other words a prepaid card is like a cross between a store gift card and a bank debit card. It is similar to a store gift card in that a certain amount of money has been loaded on it. It is like a bank debit card because it is accepted any place that a major credit card is honored, even online! Unlike a debit card, however, a prepaid card is not attached to a specific bank account.

Steve Evans
http://www.articlesbase.com/insurance-articles/what-is-the-difference-between-a-prepaid-credit-card-and-a-normal-credit-card-754972.html

With so much hype built up around pre paid cell phone service and the barrage of media attention and advertisements given to cell phone service providers, choosing which plan to go with can be mind boggling. Pre paid cell phone service allows for flexibility that you simply can’t get with traditional cell phone providers.

Pre-paid cell phones don’t require a contract. Whether you keep your cell phone or not is completely up to you. Most require a recharge once every thirty or ninety days in order to maintain the same cell phone number.

Pre paid cell phones allow an individual to budget less per month for their cell phone service. While pre paid cell phones tend to cost more per minute, someone who chooses to use it sparingly can make their minutes stretch for less each month.

Pre-paid cell phones are excellent for people with credit problems that have difficulty getting traditional cell phone service, although fewer companies are requiring credit checks, some still do and they can hamper a person’s ability to purchase a cell phone service plan.

Pre paid cell phones are also an excellent choice for teenagers. They receive a cell phone allowance each month and it is impossible for them to run up a crazy cell phone bill. If they use all their allotted minutes in one week, then they learn to budget more carefully for the following month. Pre paid cell phone services teach teenagers responsibility and budgeting tactics, which are quite useful skills to have when they enter the real world.

Pre paid cell phones are a perfect choice for people in transition. Those who are only temporarily living in one area while waiting to move on to another area can avoid the issues of contracts and the hassle of getting their phone number changed once they land in their final destination.

Of course pre paid cell phones have their hang ups as well. You will lose the convenience of simply paying a bill and have to recharge the cell phone in order to continue using it, although most will allow you to use a credit or debit card in increments as low as $20. You will not have the option of being a little late on the cell phone bill when money gets tight since you have to pay for the service prior to utilizing it, but for some people that is a positive attribute.

Victor Nunn
http://www.articlesbase.com/internet-articles/prepaid-cell-phone-service-106626.html

Before starting to learn how to find Best Prepaid Phone Cards
for your Domestic and International Long Distance calling needs,
lets see what factors are important to choose the right Phone
Cards. First of all I want to tell you One Truth: in general
there is NO such a think as “the Best Phone Card”. It all
depends on your specific calling needs, habits and purposes:
(To) Where You Call? , Who Calls?, Whom You Call?, From Where
You Call? and How You Call?. Most likely not all of these will
apply to you (usually one or two factors apply). By taking a
moment on reading and comparing several cards’ Terms/Conditions
and Charging Fees, based on your calling needs, you will be able
to choose the Right Card and use it over and over and SAVE BIG.

1) (To) Where You Call?-this means what country or what
specific city in that country you wand to call. Once you go to
most of the Online Phone Cards Companies’ Home Pages (For Ex.
http://www.PhoneCardsGallery.com -by the way this is the
website, from where I do almost all my online phone card
purchases.), somewhere you can find “Discount Calling Card
Finder” or similar section. In the “country” box choose your
calling country & submit your search. The site’s searching tool
will find all the cards which provide calling services to your
country and will organize the cards with the highest calling
minutes to the lowest minutes (Top Ranking). Now we know which
cards give the best calling minutes to your country, but very
important to consider the cards “Qualities” also ( in
http://www.PhoneCardsGallery.com the Quality shows by Blue
Stars next to the Cards’ names”). Always give preferences to
those cards which have better Qualities. Having Local Access
Numbers (for the State or City that you are located or you
calling from) is also very important. It is recommended to
choose a card that has Local Access numbers. Usually, by using
Toll Free 1-800 number, instead of Local Access numbers,
additional Per Minute Charges may apply. Some cards that have
Local Access #s, in the card’s detail page, will provide a link
(“Local Numbers”) to the new page with the list of all available
Local Access #. Others the will provide (by Automated Answering
Service) the Local Access # when you call by using their Toll
Free # and choosing “yes” to their question: “Do you need Local
Access # ?” In this case, after you get Local Access #, you need
to hang up and call using given Local #.

2) Who Calls?- this means if you are using regular phone
or payphone to make your calls. If you are using a payphone, in
the cards’ terms check if they charge additional fees for using
a payphone, how much it is and compare with other cards to make
your decision.

3) Whom You Call?- this means if you are calling to a
regular phone or to a cell phone. If you are calling to a cell
phone, in the Terms check if they charge different rates for
cell phones and make your decision accordingly.

4) From Where You Call?- this means from which country
(USA or Canada), State or City you are calling from. Some cards
you can use only from certain states or cities and that usually
very easy to notice: either card’s name include that state’s or
city’s name (Ex. Crazy-Crazy Los Angeles) or nest to the card’s
name it says the name of the state or the city for which that
card is designed for. Usually those cards have Local Access #s
for that state, county or city. If you see that the card, beside
800 #, has Local Access # also, then it means that the card is
specialize or designed for that specific area only. Some cards
could work only from specified location (state) and in the
detail page of those cards, on the “Toll Free” line will say
“(Works From X State Only!)”. So, be careful and do not buy
these types of cards if you are not in that state. So, make your
decision accordingly, and choose the cards that specialize on
your state or city. Many cards have No Local Access numbers
(they have only Toll Free #) and you can use them from any
states.

5) How You Call? – This means that what are your calling
durations and frequencies: are you going to make a few long
calls with your card or many short calls? If you are planning to
make one or two long phone calls, then the most important factor
that you will need to consider is Calling Rate (or Calling
Time). You will need to choose the cards that give higher
calling minutes (same as lower calling rates). The Connection
Fees, Maintenance Fees, Communication Fees, Minute Rounding
Rates, Expiration Date and other similar fees and factors are
not so important and relevant for long calls. However, those
mentioned fees and factors are very important to consider if you
going to make many (frequently) short calls. You may consider
getting cards with comparably lesser calling minutes (higher
rates) but minimum charges for above mentioned fees. In this
case you also will need to prefer cards with longer Expiration
Date and smaller rates for Minute Rounding. Therefore, the card
with higher calling time is not necessary is the best card for
you if you are planning to make short calls. To make frequent
short calls, you will need a card with No Connection Fee,
Minimum or No charges for Maintenance, Communication and also
smaller number for Rounding Minutes. Generally short calls are
those which are lasting less than 15 min.

By considering all the above mentioned factors and options, now
you are able to choose the right cards that will SAVE you the
most money. There are numerous prepaid phone cards out there and
yes, there are some major differences between the fees they
charge. If you are serious about getting the most out of your
hard earned dollars, take the time and just one time compare
different cards and choose the best one for your needs. Once you
found the best one for your needs, you can use the same card
over and over and SAVE MONEY and TIME.

Buying phone cards over the internet is safe, very convenient,
cheap (mostly they sale with discounts) and profitable (they
provide very useful tools which help users to compare and find
the best cards (good rates, high qualities & having other
important fetchers) for their different calling needs).

Below are the names of some famous online Phone Cards
Companies: PhoneCardsGallery,
PhoneCardSavers, idPhoneCard, MasterBell, 1stPhoneCard, Zaptel,
Zscomm, CallingCards, PhoneCardOnSale, RelianceIndiaCall, Tel3,
OneSuite, ldpost, Raza, UnionTeleCard, PhoneShark, PinCity,
PinOnSale, ThaiTel, PhoneCards-Prepaid,
International-Phone-Card-Express, PrepaidTelecomhq, Reliablecom,
Nobelcom, CentCalls, Connectto, TheRichCom, ECallChina…

Below are some Key Words to search for online Phone Cards
Companies: Phone Cards Gallery, Phone Card, Calling Card,
Calling Card International, Prepaid Phone Card, Online Phone
Card, International Phone Card, Calling Card Prepaid, Prepaid
Calling Card, Long Distance Phone Card, Cheap Phone Card,
Calling Card Cheap, International Prepaid Phone Card, Calling
Card Online, Calling Card Phone, Phone Calling Card, Pre Paid
Phone Card, Cheapest Phone Card, Prepaid Cell Phone Card, Cheap
International Phone Card, Online International Phone Card,
International Phone Calling Card…

Karo Yegyan
http://www.articlesbase.com/communication-articles/5-factors-to-consider-on-choose-the-best-online-phone-cards-for-your-international-long-distance-calling-needs-742.html

This video is a presentation that covers how to start a prepaid calling card business or pinless calling business. It covers the business perspective as well as the technical perspective. Although we mention our company name, it is an unbiased view of the calling card industry from a company that has been in the telecom business for 25 years. Part 2 of 4.

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