prepaid credit cards or trational cards

[aggie49]

i have both but i tend to use the prepaid one so i can keep the balance low on the regular one with prepaid you can't spend it if you don't have it

[LenoraMinogue]

I think that's a great idea. I think the allure of the other type of credit cards is just being able to pay over time and get what you want/need right now. But more power to you for being able to go prepaid.

[msmoneybags48]

I have been using prepaid cards for a while now.  I like the convenience that you can't spend more than what is on the card.  It serves its purpose for me.

[lywb2168]

I have one very small amount approved and only use it in special moments. but I have heard that the prepaid ones are great, I am thinking in looking for one.

[jmc1982]

I have only traditional credit cards.  Never tried pre paid

[rdy2pl8]

I prefer prepaid because I don't have to have a credit check, and I can control my spending.

[aggie49]

if anyone wants to know a great prepaid card let me know i can refer you to the one i use i have had it for 7 years now it is great send me your email address and i will send you referral my email is aielrod@yahoo.com just put that your from fc so i know ok thanks if you got with this one once you load 40 dollars for the first time you get an extra 20 and i do to and everyone you refer you get the thing

[sdenimandlace1]

I use prepaid for my internet shopping. We have also started adding money to the paypal account with paypal load money card.

[kapeh12]

I've considered prepaid cards, but all seem to have transaction fees whenever used.  I just can't justify using them to pay for something and have to pay the extra fee.  Fortunately I typically don't carry balances on my traditional credit card so I can pay off the full balance.

[lvstephanie]

I've considered prepaid cards, but all seem to have transaction fees whenever used.  I just can't justify using them to pay for something and have to pay the extra fee.  Fortunately I typically don't carry balances on my traditional credit card so I can pay off the full balance.

I was just going to mention that... That the prepaid cards are nice, but the transaction fees sometimes make them worse than credit cards. If you don't carry a balance on your traditional cards or if the interest rate is low, then traditional cards make more sense. But if you have difficulties managing a traditional card and / or the traditional card has other fees associated with it (eg some cards have an annual fee regardless of whether you keep a balance on the card or not), then the prepaid may be your better option.

The best prepaid cards are those given as a reward / loyalty card, for then the company that is giving you the card will usually "eat" any fees, so the amount on the card is the amount they promised you.

[oldbuddy]

I use a Discover card and pay it off each month, but I get a bonus of $400 to $500 every year for using it and pay no interest or fees at all.

[articx]

I have both a prepaid and debit card.

[Mikena]

i have both but i tend to use the prepaid one so i can keep the balance low on the regular one with prepaid you can't spend it if you don't have it

I use prepaid cards more than credit cards. I don't have to worry about dealing with the high interest rates. I do have a credit card but I only use it if it is a dire emergency. I found life to be alot easier if I stick to that cause without worrying about another bill each month.

[tikihut5]

I use prepaid cards. I don't need a regular credit card. I would buy so much stuff and be in so much debt if I had one.

[davidh121]

I like my cashback incentive and other rewards that credit cards offer, so I would say credit card. I always pay my card in full and at least in my own thinking process I'm not really spending more than I would anyway even if I didn't have a credit card.