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Credit Card Applications » Questions » User Questions » Prepaid Cards » I’m a 23-year-old female from Melbourne, Australia and I just wanted to know what card I can ...

I’m a 23-year-old female from Melbourne, Australia and I just wanted to know what card I can apply for. I’m unemployed at the moment and will only use it for small purchases and stuff online – please tell me what I can do.

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Leo Zhu

That depends – are you a legal US resident? If so, you have more options, since at, we offer only credit cards for residents of the US, Canada, and the UK. If you’re not a resident of any of those countries, however, you can still get a prepaid card to use for small purchases and online shopping.

In fact, this may be a good bet for you anyway, since you are currently unemployed. With a prepaid card, you can only spend the money that you load onto the card, so there’s no chance of going into debt or getting in over your head. They offer all the convenience of credit cards, without actually being credit cards – they are more like gift cards that you can use anywhere that accepts Visa, MasterCard, American Express, or whatever network issues your prepaid card.

One thing to be aware of is that a prepaid card offers no fraud protection and no payment dispute options, so you’ll need to protect it like cash. This can be tricky online, but if you make sure you are buying from a reputable site, using a secure computer, and don’t plan to change your mind and dispute the purchase, then a prepaid card is fine to use online.

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