Prepaid Cards Questions

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User Questions & Answers about Prepaid Cards

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People often confuse prepaid cards with credit cards thinking the first will help them to build their credit. But they are wrong. Here you will find answers to questions about prepaid cards and will be able to ask your own to get a clear understanding about how prepaid cards work.

Recently Answered Questions:

I’m looking to apply for the Western Union credit card but don’t see interest rates, can you advise?

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Leo Zhu
The Western Union NetSpend card is not a credit card but a prepaid card. Therefore, you won’t find interest rates. Continue reading
Can I get Western Union MasterCard if I live outside the US?

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Unfortunately, this card is not available to the applicants outside the US. Continue reading
If get a Western Union prepaid card will I be able to use it for bill pay?

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Yes. You will be able to use a Western Union Prepaid MasterCard to pay bills, just like a credit card or a debit card. Continue reading
I need a debit card. What can you advise?

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We have a good selection of debit cards to consider. There are Visa and MasterCard cards with or without activation fee. The cards may also charge a monthly fee. Most of them offer free direct deposit. Look at the MAGIC Prepaid Mastercard® card. Continue reading
Will I build credit with the American Express prepaid card?

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No. With a prepaid card your credit performance won’t be reported to major credit bureaus. If you want to establish your credit history, consider applying for a credit card. Credit card issuers offer some credit cards for people with no credit or a limited credit history. Continue reading
Does money come on the card, I need some credit?

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The Serve® from American Express is a prepaid card, not a credit card. You will be able to use money you load on the card. Continue reading
I have been given a Visa gift card, but I am having trouble activating it. What do I have to do to get this done?

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If your gift card wasn’t activated at the time of purchase, you can call the phone number to activate the card. You will find that number on the back of the card. During activation you will need to enter the gift card number, and additional information requested by the issuer. This information is ... Continue reading
I’ve never actually had a prepaid or debit card and I was wondering how to use it wisely without making any mistakes?

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In general, prepaid cards are an alternative to carrying cash and they are convenient to use. Prepaid cards help you develop good payment habits. You will learn to stay within spending limits. And when you decide to apply for a credit card this will pay off. Some prepaid products allow you to spend more ... Continue reading
Does the Serve card have a prepaid logo and can you rent cars with it?

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Serve® from American Express is a prepaid card you can use anywhere American Express cards are accepted. There is logo that indicates this is a prepaid card and it can be used for car rentals if the rental company accepts American Express. Continue reading
Hello! I was looking to get the Prepaid Visa Rush Card, and I was wondering how it helps build your credit? Does the pay as you go monthly plan help build credit? Does it work with any of the card designs or do you have to get a specific one? Thanks

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Prepaid cards do not help build your credit history as the issuers do not report your activity to consumer reporting agencies. If you want to build credit, consider credit cards for limited/no credit history. Continue reading

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