Prepaid Credit Cards

Without a credit card, it is difficult inclined to shop around - at least on the Internet. Does the online store to pay by direct debit or on account base, have clients with no plastic cards bad cards. More and more banks have recognized this gap and offer an alternative: the credit card on a credit basis, also known as prepaid card. The customer can spend money with this plastic version as much money as he has loaded onto the card, so transferred. Buying on credit is excluded. With annual fees up to 119 € pre-paid cards are not exactly cheap.
One year ago, pre - paid card or exotics from a few donors available, possibly for children and young people interesting."Meanwhile, banks have discovered the business," Max observed fall of the FMH financial advice. "More and more providers abound on the market." Newly such as the Baden-Wuerttemberg bank or financial institution Wüstenrot are financial group. Many savings banks offer their customers Prepaids, together with the checking account. The advantages are obvious. "With a prepaid card, young people can buy, without falling into the debt trap," says Niels Nauhauser of the consumer service of Baden-Wuerttemberg.Whether songs, computer games, or books is only what the parents have loaded onto the card, the young spend in the network.Even security-conscious tourists can benefit from the lack of credit: the card is stolen, the damage is the charged amount is limited.Who buys a lot over the internet and fear that their data can be collected and used to minimize the risk with a credit card as well: criminals who tap the number of prepaid credit card can also consume more than the charged assets.
Finally, all use the card, that Schufa entry little security promises."With prepaid cards no credit checks. Even a Schufa extract is not required, "says Herbst. However, this kind of card only works for electronic card charge. Does the shop, the restaurant or the service provider or with a card ratchet, no payment is possible.
Almost everywhere you only get credit if they agree to Schufa query. But with a prepaid credit card that is totally different, finds the credit card application no credit check or inquiry held in directories, as no entry is made known in industry directories. With no "liberty" but with more freedom to optimize with a credit card in credit your finances. Anyone can (if you are of legal age) to apply for such schufa free credit card! And do it now via the Internet.Easy and fast and you could never get to a credit card.