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Buying a Prepaid Credit Card New York

There are many reasons to have a credit card with you at all times. While not everyone can qualify for a credit card, it is not a good idea to walk around with a pocketful of cash.

Local Companies

Anthony B. Smolen, Jr., CPA
(716) 834-6111
3949 Forest Park Way 100
N. Tonawanda, NY

Bank of America - Niagara Falls Boulevard Office
(716) 833-3330
1188 Niagara Falls Blvd.
Tonawanda, NY

Bank of America - Payne Avenue Office
(716) 694-2551
1012 Payne Ave.
North Tonawanda, NY

Bank of America - South Side Office
(716) 822-4601
2221 Seneca St.
Buffalo, NY

Bank of Holland
(716) 537-2264
12 South Main St.
Holland, NY

Citizens Bank - Mid City Plaza/Tops
(716) 692-4397
301 Meadow Dr.
North Tonawanda, NY

Citizens Bank - Niagara St./Tops
(716) 693-2658
150 Niagara St.
Tonawanda, NY

Citizens Bank - South Park-Buffalo/Tops
(716) 826-0500
1989 South Park Ave.
Buffalo, NY

Citizens Bank - Tonawanda
(716) 693-2440
20 Main St.
Tonawanda, NY

Citizens Bank - Young St.-Tonawanda/Tops
(716) 693-7285
890 Young. St.
Tonawanda, NY

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There are many reasons to have a credit card with you at all times. While not everyone can qualify for a credit card, it is not a good idea to walk around with a pocketful of cash. If that cash is to get stolen or lost, you have no recourse whatsoever. On the other hand, if you lose your credit card or it gets stolen, you will not be held liable for fraudulent purchases. Even if you have poor credit or no credit at all, you can still own a credit card. It is called a prepaid credit card and is as easy to buy as a gallon of milk.

STEP 2:

There are also prepaid credit cards that can be purchased online for any amount you like. Once your funds are depleted, you can recharge up your account online as long as you have a bank account. A great place to look online for these types of cards is Vision Premier. This site allows you to get a prepaid Visa card with no credit check. The approval process is quick. Simply fill out the simple online form on the home page that says, Prepaid and Debit Cards and you will be taken to a page that will show you available prepaid cards and any and all fees associated with them.

STEP 3:

It is important to check all the fees by thoroughly reading the terms of agreements associated with the prepaid card you are considering. Yes, that means reading the fine print. Many prepaid cards will charge fees such as a transaction fee, an annual fee or a re-loading fee.While prepaid credit cards are great, they will not help you rebuild or establish your credit, but you can go to a number of banks and get another type of prepaid credit card known as a secured credit card that will. A secured credit card works just like a regular credit card except the line of credit that you have on it is deposited beforehand by you. If you deposit $500, then that is your credit line. You use it like a credit card and make payments each month with interest like a credit card. While you are doing this, you are building up your credit. Usually if the account is kept in good standing for a period of one to two years or more depending on your credit situation - your deposit is returned to you and the card then becomes a regular credit card.

In a world that revolves around credit cards, it is necessary to have one. But when it comes to prepaid credit cards, it is not necessary to have good credit to get one.

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Featured Local Company

Anthony B. Smolen, Jr., CPA

(716) 834-6111
3949 Forest Park Way 100
N. Tonawanda, NY

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Buying a Prepaid Credit Card New York

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