RaiiN asked:


I’m looking to be able to buy the prepaid code online with the credit card and immediately get the code so that I can redeem it for the microsoft points. Are there any websites that do this?
Xbox doesnt accept my card type.

Christopher

Geniaus5 asked:


i have bad credit and was wondering if there were any options for protecting your money on online purchases? For example, if I order something and it doesn’t show up is there a payment method i can use to recover my loses. Something that offers the same protection a credit card would. I was thinking a prepaid card might offer this any ideas?

Gabriel

Jignasa Patel asked:




Are you scared of online shopping? Are you not comfortable giving your credit card or debit card details online while doing online transaction? If yes then you have much more secure way of doing online transaction using virtual credit card.

Benefits:

The virtual credit card will be generated from your existing debit or credit card on bank website.It will have same 16 digits no and expiry date with 3 digit code which you need to do transaction online. These details can be used on any merchant website who accepts VISA or MASTER CARD. It is called prepaid credit card by some bank.

Make transaction secure:

You can set credit limit for this while generating on bank website.This will expire within 2 to 3 days from the date of creation. This can be used only once during its life so nobody can misuse for card details. So,you will be free from any tension of misusing your details.

Let us take an example:

if you are holding any bank VISA credit/debit cards then you can apply for prepaid card with limit of $100 on bank website.You will get your prepaid card details immediately. You can use this details online for shopping on merchant site.If you use only $70 then remaining will not be added as billed amount in your statement.

When we should avoid:

If you have to show this plastic card as proof to collect any items you purchase online then you better avoid prepaid card if you do not have physical card of this card. When you are purchasing airline or movie tickets then you should not use it.

Easy to Handle it:

Most of the banks offer this service free of cost too.but, it varies bank to bank too.Even if you do not use it within mentioned time then it will be automatically cancelled too. You can create new one using your existing debit account too.

So, You can make your online transaction secure using virtual or prepaid card too.

Joanne

theKnowItAll asked:


It is the same thing as having a real credit card or not,like can i buy things on e-bay with a prepaid credit card?I also want to buy stuff on amazon,nfl,nba,and mlb.Will the the prepaid card work on there or not?
Thanks

Marvin

Lynne asked:


I can do the check by phone thing or get a prepaid visa card, you know of a site that sells microsoft products without use of a credit card?

Carrie

Jack M Patterson asked:




Prepaid debit cards have advantages over credit cards, as well as some limitations. Both kinds of “plastic” let you make purchases safely and conveniently without having to carry cash. Both are widely accepted by stores, restaurants, and other bricks-and-mortar and online merchants. The main difference between the two is that spending using a credit card is a form borrowing while with a debit card you are spending your own cash that you have already deposited to your card’s account. Thus you have “prepaid” for your purchase.

What Debit Cards Can Do that Credit Cards Can’t

Debit cards let you deposit your money into an account and spend it as you see fit. In contrast, you can’t deposit money on a credit card; you can only use credit that you then have to pay back. Even a “secured credit card”-for instance where you have to put $500 down as collateral to cover your charges-does not allow you to add your own money and withdraw it interest free. Rather, your deposit is only securing your line of credit and is not accessible to you until you close the credit card. Your line of credit could be increased beyond your initial collateral deposit as you develop a good payment history.

You have many ways to add money to a prepaid card, such as using a money transfer agent or purchasing a Greendot MoneyPak at a broad swath of participating retailers nationwide. You can even set up a direct deposit to your debit card for all or part of your payroll or benefits payments.

Debit cards can curb your impulse spending. The reason for this is simple psychology. It’s your money, and you can only make purchases on the card if you have enough funds in your card account to cover your purchases. Unlike writing a check which might bounce, you can’t get overdrawn. And unlike paying with a credit card that only limits your spending, based on the spending limit of the card, you can’t borrow money that you don’t have. You don’t have to worry about going further into debt and having to make monthly installment payments to pay back the charges. Odds are you will think twice about every purchase and will be more mindful of your budget.

Some debit cards let you check your purchase history and balance online, by calling a customer service number, by using an ATM machine, or even using text messaging on your mobile phone. In today’s economy, more and more people are finding it harder to get a credit card. But it is easy to get a prepaid debit card with a Visa or MasterCard logo on it. All you have to do is pass an identity check which helps prevent fraud. An identity check basically establishes your name, birth date, and address matches your official identity usually matched against your social security number. With a debit card, you’ll have the flexibility of a credit card yet peace of mind that you will not be going into debt.

What Debit Cards Can Do that Checks Can’t

If a retailer does not accept personal checks, it likely will accept a debit card as a form of payment for products or services. Just ask or look for a sign that reads that MasterCard or Visa cards are accepted. While debit card purchases technically run on a different network than credit cards, these networks are still run by MasterCard or Visa. If you write a check and don’t have enough funds in your bank account to cover the amount of the check, you can get overdrawn. This can mean hefty overdraft fees for every bounced check, sometimes as much as $30 per check. A check card (a debit card that is tied to your checking account) can still put you at overdraft risk depending on the bank. Most reloadable prepaid cards, however, will not allow you to become overdrawn and thus can’t hit you with an overdraft fee.

Writing checks, or even using a check card, does not help you build credit. That is also the case with prepaid cards, unless they are tied to credit building program like the iAdvance(R) Line of Credit from MetaBank. This program lets you take out small loans on your card, for example $20, and every time you pay them back that fact gets reported to one or more of the major credit bureaus.

Debit Card Limitations

Credit card consumers generally speaking have more leverage against merchants than debit card consumers in disputes over charges, given current Federal regulations. MasterCard offers a zero liability coverage for unauthorized use of a Prepaid MasterCard, which do not apply for PIN transactions (which is why it is important to protect your PIN number).

Perhaps one of the biggest limitations is the consequences of not reporting a lost or stolen card to the bank issuing your card within 48 hours. The level of protection differs from state to state. If the lost card is never found, or the cardholder reports the theft within 48 hours, the FDIC-backed funds will remain safe, and can be moved to a new account when the original account is closed. But a cardholder who fails to report the lost or stolen card in a timely fashion could wave goodbye to his or her money that was once on the card but spent by the thief. The amount of liability will depend upon the policies of the bank issuing the card as well as the state laws governing any such limits.

Wesley

OnlyWayOutIsUp asked:


I’m hoping you can. Does anyone know for sure? I want to book a flight tomorrow.

Robin

Peter Lisdorf asked:




Purchasing on the web is made much simpler with prepaid virtual credit cards. Such virtual prepaid cards present a variety of safety and privacy benefits, which attract some customers.

These cards are fundamentally an internet based prepaid card account. A customer can make use of their card data to expend funds in the internet as one would accomplish by a standard credit card. The main specialty here is that they aren’t permissible for a regular plastic card. Every transaction can be made through the internet.

Importance of Online Credit Cards

Many people simply are bothered on the subject of employing their conventional credit card for online purchasing. Having account details stolen or embezzled can show the way to troubles with ID thievery and scam. Additionally, restoring a card can be a lengthy process. Shoppers like this answer as it permits them to buy confidentially and anonymously. Some virtual card issuers even offer the latest technology for highest security and generate one-time use card numbers for safer online shopping.

How do it Works?

Prepaid online charge cards work like any other card, although are the online account based. Such accounts are compensated via web and while a customer purchase minimally uses their virtual card number as if they were having regular charge cards. A good number of prepaid virtual cards work on prepaid resources and no means of credit can be supplied. The consumer just registers a virtual account and credits the funds into it to finance their card expenses.

How much charges are deducted?

These prepaid virtual cards will have some form of fees included with them. This is the technique the issuer makes their profit. This will differ from one card issuer to another, however could comprise:

One-off fee to register the account Monthly account charge Charges while money is funded on to the online credit card Charges while shopping are made

These extra charges can be made on a ratio basis or as a flat cost. It is worth purchasing around for the most excellent deal here to evade paying for avoidable fees. The most important aspect to think about while preferring prepaid virtual cards for most individuals is, although, how much it will rate. All of these cards come with a payment system, although they don’t all incriminate in the analogous means. Comparing online funds and terms is straightforward to do and possibly will compose it a lot simpler to prefer the precise product.

So, you can construct your online deal safe by means of virtual or prepaid card too.

Tyrone

Me asked:


i want to purchase something of the internet of a prepaid debit card you buy at the store ,but i dont know if i can, because most stores online ask for a credit card not debit card. will a prepaid debit card work as a credit card?

HOUSTON

Christropher Brando asked:


I’d like to buy a prepaid Visa (with a credit card) online, and then I’d like to turn around and use the card instantly.

Am I given the card # and stuff so I can do that or do I have to wait for the physical card to arrive?

Extra points if you what you tell me is true. Fail points for FALSITIES.
I guess it does sound shady, but I just want to do it for anonymity online.

DAMIEN