What is it? It's a Reloadable Prepaid Card

Reloadable Prepaid Card FAQ's

• What is it?
  
  It’s a reloadable prepaid card and although not a debit or credit card, it can be used in a similar way to shop online, over the phone, or in store. It's a Visa card, so you can use it almost anywhere you see the Visa sign. When your balance runs low, you can top up at over 30,000 places in the UK at a cost of £1, and online via your PayPal account (if you have one), for free.
• Who can apply for a card?
  
  The PayPal Top Up Card can be applied for by anyone in the UK who is over 16 years, living in the UK. You don't have to be a PayPal user to get one.
  
  
• What checks will be carried out when I apply for a card?
  
  Although there are no credit checks, your address and identity will still need to be verified, for security reasons. For these purposes, various checks will be undertaken including checks on the electoral register.
  
  
• Where can I use it?
  
  Your PayPal Top Up Card can be used online, over the telephone, in stores, abroad and at cash machines - almost anywhere you see the VISA sign. That's over 26 million places all over the world.
  
  
• When can I start using my card?
  
  If you paid for your card and loaded it using your PayPal account, you can start using your card as soon as you have activated it. If you have not already loaded and paid for your Card, you can use your card once you have loaded it for the first time and activated it (in this case, remember that when you are loading your card for the first time, at a Post Office or PayPoint outlet, the card fee of £4.95 will be deducted from the value loaded on your card).
  
  
• How do I activate my card?
  
  You will need the four digit access code and password you set up when you applied for the card. Then activate online at www.paypal.co.uk/topupcard (if you have any difficulties with activating your card please call Customer Services on 0845 301 2797 (or Textphone 01908 847702).
  
  
• What happens if my card is lost or stolen?

  If you are unfortunate enough to lose your PayPal Top Up Card, call Customer Services on 0845 301 2797 (Textphone 01908 847702) straight away and providing you can give certain information relating to your card, your card will be cancelled and you may then request a replacement card, loaded with the value remaining. A fee of £4.95 is payable for issuing a replacement card.

  Usually you will only be liable up to a limit of £50 for any unauthorised use of the card prior to you notifying us of the loss. However there are certain circumstances in which any money that's lost or stolen before you notify us of the loss of the card may not be refunded. For details, please read the Terms and Conditions.

• Can I use the card abroad?
  
  It's easier then sorting out and carrying foreign currency. Your PayPal Top Card is accepted almost anywhere you see the Visa sign. Please note that there are certain fees payable where transactions are undertaken abroad (Please see Summary Box for details).
  
  
• Where can I load and top up my card?

  If you have a PayPal account, you can top up your card online through your PayPal account. You can also top it up using cash at over 30 000 places in the UK - at Post Offices, petrol stations or supermarkets or any outlet displaying the PayPoint Logo.

  
• What is PayPoint?

  PayPoint is a branded retail network for local payment of essential payment services, such as bills and travel cards. It's now available to you for topping up your PayPal Top Up Card.

  You can top up your card at thousands of PayPoint locations throughout the UK - just look for the PayPoint signs.

  Simply hand your PayPal card together with the cash you wish to deposit, to the retailer, who will swipe your card and hand you a receipt which you must keep. Your cash will be instantly credited to your card.

  Click here to locate PayPoint locations close to you.

• Are there any limits on the value that can be loaded or topped up on my card?
  
  There are limits that apply to the amount that you can load on to your card. Please see the PayPal Top Up Card Summary Box for further details of these limits.
  
  
• Where can I view my card details?
  
  You can update your address details, top up your card, set up a recurring payment and view a list of your recent transactions with our Online Account Manager to activate your card and start using the system, please visit www.paypal.co.uk/topupcard.
  
  
• Do I get a statement?
  
  You don’t get a paper statement, but you can keep an eye on all of your transactions and maintain your account using the online account manager. You will need to register your card in order to do this.
  
  
• What happens when my card expires?
  
  You will be contacted shortly before your card is about to expire and asked if you would like a new card when your card expires. If you request a new card, you will then receive it a few days later. There is a fee of £4.95 for replacement cards. Alternatively you could end the agreement and providing your balance exceeds the minimum redemption figure, ask for the balance remaining on the card to be redeemed. A redemption fee is payable.
  
  
• Can I give my card to someone else?
  
  This card is issued to the named person that made the application and it is for the applicant’s use only. You should not allow anyone else to use your card.
  
  
• When do I get my PIN?

  If your application for a card is successful, a PIN (Personal Identification Number) will be sent to you automatically. You should receive this before you receive the card and welcome pack.

  If you don’t receive your PIN, call Customer Services on 0845 301 2797 (Textphone 01908 847702) for help.

• Can I cancel my card and get a refund?Yes, you may cancel the card at any time and redeem any value remaining. However, please read the PayPal Top Up Card Terms and Conditions for further details.

Calls may be recorded. The maximum call charge from a BT landline is 6p, plus up to 6p per minute. Calls from other networks may vary.

The Royal Bank of Scotland plc. Registered in Scotland. No.90312. Registered Office: 36 St Andrew Square, Edinburgh EH12 2YB.

-ranci endo (Credit Cards Blog)

The Basics of Reloadable Mastercard

The Basics of Reloadable Mastercard

Credit card is a boon of advanced civilization that has revolutionized the concept of expenditure and money transfer. The shift is more towards ideological understanding, rather than hard cash movement. Now you do not carry cash in your pockets. Instead of that, you can carry a simple card to purchase any products or services. But this is even an old concept. The new age has advanced a step further and given Reloadable Master Card.

MasterCard offers the Reloadable Mastercard which is compatible with the SOE billing system and removes the burden of having to open a line of credit. The concept here is similar to that of loading bullets in a gun. The analogy being that the Reloadable Mastercard is the gun and the funds are the bullets.

The main benefit to the consumer would be the control factor. One gets to control the funds meaning the amount of money available on the card as well as the mode of payment. So if you were on the look out for an alternative billing system your search ends here as the Reloadable Mastercard is the answer to all your problems.

GETTING LOADED

The usage of the Reloadable Master Card is as simple as using a debit or a credit card. Activation of the card is the first step which is basically done with the help of the website listed on the purchase pack of the card. All you have to do is fill out a basic registration form for recognition purposes when you purchase something with the help of the card. The registration also serves the purpose of keeping a track on the card activity thanks to an online statement which you can access at any point of time.

KEY ADVANTAGES

In the event that your card is devoid of funds there is the option of adding new funds before the billing takes place. There is no penalty if you miss doing so before the billing cycle occurs. There will be a temporary suspension of your account till you reactivate your Reloadable Mastercard by providing adequate funds. You can also switch over to an alternative form of payment if you choose to do so. This card is not a credit card as you control the money on the card and do not have to make any payments. So what it basically offers are the services and purchasing power of a credit card and at the same time gives you the control which hard cash offers you.

These are the few basic reasons why you should opt for a Reloadable Mastercard. But definitely, these are not all. With the advancement of financial structure and new advanced economic policies, the commerce sector is regularly re-constructing the terms and conditions of various constituents. Therefore, search for more advanced Reloadable Mastercard

---------------

Ranci Endo- a freelance writer and has been offering information and advice to thousands of consumers on Prepaid Credit Card issues. Weblog- about credit card please visit us at cheaper credit cards

About Credit Cards and the True Die Hard Sports Fans

There's always a first time for everything, and being a die hard sports fan with your club credit card is not exceptional. The question in today's ReiVRE: Money Talk-Credit Card is – "Can sports royalty be tamed?”

About Credit Cards and the True Die Hard Sports Fans

When it comes to supporting favourite sports teams, some fans will go to any lengths to show their allegiance to their favourite team. From personalised replica shirts, mugs to take to work and even decorations for their car – fans the world over like to spend money letting the rest of us know just who they follow – whether it is football, soccer or basketball.

For some fans, this is even true of their credit cards – for what could be more of a show of loyalty to hand over a piece of plastic with your team’s badge on it when paying for something?

Football-based cards have become big business, with some companies offering services such as 0% credit cards for loyal fans, either through the club themselves or drumming up business outside the ground on match day.

Some clubs run affiliate programs with major credit card providers, with the opportunity to offer discounts on items such as season tickets to loyal fans, with some putting a percentage of the amount earned back into the club themselves – usually through contributions to youth team systems.

Other schemes offer fans the chance to earn reward points on purchases, which can be used in the club shop or towards prize draws to win items exclusive to the club – such as signed shirts and other collectibles any fan would dream of owning.

When applying for sports-based credit cards it’s advisable to read the small print, for whilst many offer a 0% deal to begin with, many supporters may find themselves in difficulty when the interest-free period ends.

However, despite fears over interest rates, the rewards that can be earned using points systems are attractive to sports fans, and can take their support of their team to a new level.

Today’s credit and contributor - : David Collins

NB: For more valuable information and guideline visit: Prepaid Credit Card

"You are welcome to give your comment! Do you have anything you'd like to add or challenge about this hot issue? Any bad or good experience lets share. Your contribution will educate and benefit many readers".

Thank you for reading and your comments if any:
- ranci endo

If you liked this post, please don't forget to stumble or digg it so even more people can read it and benefit!"

The Credit Card Survival Tips That You Need To Know…

There's always a first time for everything, and not knowing Credit Card survival tricks is not exceptional. The question in today's ReiVRE: Money Talk-Credit Card is – "Can you survival credit card rising debts?”

hey, don't be shy, note you’re not alone in feeling the squeeze

Consumers are now subject to rising levels of debt on every aspect of everyday life. From the cost of food to rising petrol prices which have left some with no alternative than to cycle to work in order to save money. And yet, many of us are still relying on our credit cards to get us through everyday life. Payments can be spread over time, but it can be a risky business if you don’t keep track of your finances.

Here are the credit card survival tips that you need to know…

With so many of us struggling to make ends meet as a result of the ongoing credit crunch, juggling the finances can be a frustrating process.

Consumers are now subject to rising levels of debt on every aspect of everyday life. From the cost of food to rising petrol prices which have left some with no alternative than to cycle to work in order to save money. And yet, many of us are still relying on our credit cards to get us through everyday life. Payments can be spread over time, but it can be a risky business if you don’t keep track of your finances.

Interest-free deals on balance transfers can be handy for when you want to consolidate debt, however if you’re unable to keep up the monthly repayments it could have disastrous effects on your credit rating.

So what precautions can you take in order to ensure you’re not sinking further into debt?

· Try and pay more than the minimum amount each month in order to both reduce your debt and shave a little amount off the amount of interest each month.

· Be wary of how much you spend on credit cards each month – limit your use to emergency purchases only or when it isn’t possible to pay by either debit card or good old-fashioned cash.

· Ensure you pay your credit card bill as soon as it arrives, late charges can be costly – especially if you’re on a budget – and even though it may only be a small amount it could accumulate over time and thus lead to more debt to clear.

· Pay off portions of the balance in lump sums when possible, anything extra can come in very handy for clearing a balance quickly and can help ease the financial fears for another month at least.

· Look for cards which offer good rates on balance transfers, 0% introductory deals can be useful in the run up to holidays, but make sure you pay off the balance before the interest-free period ends, or you may find yourself in for a nasty surprise when the interest kicks in.

If you do find yourself in financial difficulty as a result of credit cards and other debts, it is advisable to speak to your credit card provider in order to find out if there’ll be any assistance available should you run into difficulties.

Alternatively there are a number of charities and support groups which can offer free and confidential advice on a range of debt problems, and don’t be afraid to speak to them either - for you’re not alone in feeling the squeeze

Today’s credit and contributor - : David Collins

NB: For more valuable information and guideline visit: Prepaid Credit Card

"You are welcome to give your comment! Do you have anything you'd like to add or challenge about this hot issue? Any bad or good experience lets share. Your contribution will educate and benefit many readers".

Thank you for reading and your comments if any:
- ranci endo

If you liked this post, please don't forget to stumble or digg it so even more people can read it and benefit!"

How to Get Your Airmiles Credit Cards and What You Must Know

There's always a first time for everything, and getting Air Miles Credit Cards is not exceptional. The question in today's ReiVRE: Money Talk-Credit Cards is – "Which Credit Card can it offer flying mileage and allow you to earn it?"

So you want a credit card to earn mileage on an airline. You need to think about a couple of things. Can I get a card from a large airline where I live? And which card will give me the benefits the fastest?

You may not know that a credit card offering flying mileage only allows you to earn it from one airline. If the largest available airline in your area has many destinations you'll have a lot of options you can enjoy. Some don't realize if you choose a credit card sponsored by a banking institution, you have even more freedom. You're wondering why that is so? With bank cards you can use the miles are more airlines. This is especially important if you live in an area where there is no major airline that you can go almost wherever you'd like. An additional important fact is the minimum number of miles needed prior to using them to travel is much less than a credit card sponsored by an airline. Be wary, the bank cards can have an awful bunch of restrictions you wouldn't expect.

Membership and annual fees can vary greatly for different types of cards. Most major credit card companies offer standard, gold and platinum air miles credit cards. Keep in mind that the better the option, the higher the fees. Gold and platinum cards offer high credit limits but membership and annual fees are also higher and these add up quickly. Most major credit card companies offer introductory air miles cards with 0 % interest. Why? Because they want your credit card business. If interest rates are of concern for you, an air miles card should not be the card you choose because interest rates tend to be very high. Many air miles credit cards have a minimum number of miles that have to accumulate before you receive a free or discounted trip. Be sure to read the fine print and then read it again. Be sure you understand all of the stipulations.

Do you travel quite often for pleasure? For business? If this is you, these air miles can be a wonderful benefit. Remember you can use these cards to buy everything. Groceries, gasoline, clothing, you name it. For doing so you get miles and can have greatly discounted tickets to wherever you would like to travel. Also, you can often get extra miles went you spend at certain locations or selected flight destinations. It is also nice that you usually receive extra bonus miles when you get started with a new card.

Believe it or not there can be some down sides to owning such a credit card. You will often have to deal with higher interest rates. However, if you pay them off regularly and use it wisely to bank miles, it can really be worth it. Many find it tempting to spend money they really don't need to just so they can rack up miles, feeling they supposedly saved money in the end. You can see the flawed logic in that, I'm sure. You really need to be sure to use these types of air miles cards with a clear heas so you can benefit from their positive attributes.

------------------------------

Credit to http://www.clickcreditrepair.com

NB: For more valuable information and guideline visit: Credit Cards

"You are welcome to give your comment! Do you have anything you'd like to add or challenge about this hot issue? Any bad or good experience lets share. Your contribution will educate and benefit many readers".

Thank you for reading and comments if any: - ranci endo

If you liked this post, please don't forget to stumble or digg it so even more people can read it and benefit!"

With Bad Credit Rating what should you do?

There's always a first time for everything, and getting Credit Cards is not exceptional. The question in today's ReiVRE: Money Talk-Credit Cards is – "How do you improve your credit rating?"

Bad credit card is used to refer to credit cards that can be obtained even with a bad credit rating. The bad credit card cards provide opportunity to people (with bad credit rating) to improve their credit rating.

In that sense, bad credit, credit cards act as rescuer for such people. So, bad credit, credit cards also act as necessary a training ground for people who have not been able to control their spending urge in the past.

Bad credit card cards are commonly known as secured credit cards. The bad credit card (or secured credit cards) requires the individual to open up an account with the credit card supplier and maintain some cash balance in the account.

Why is that required? Well, credit cards are a business for the credit card suppliers; so how can they trust someone who has defaulted on his/her payments in the past? After all, a business is about profits and such risks are a threat to profits. The bank or the credit card supplier will generally pay interest on the balance in your account.

However, it's best to check this with the bad credit card supplier/bank/credit card companies. The credit limit on the bad credit card is determined by the cash balance in the account and is generally between 50-100% of the cash balance.

These bad credit card cards are also referred to as debit cards, owing to the fact that they work less in a credit-giving manner and more in a debit-giving manner.

There are plenty of bad credit card cards available in the market. When searching for the bad credit card that is best suited to you, you should consider 4 things in particular: the minimum balance that you are required to maintain in the bank account, the credit limit that you will receive (i.e. the percentage of your bank account balance that you are allowed to spend on your bad credit card), the fees/other-charges applicable to the procurement of bad credit card and the rate of interest that you will receive on the balance in your bank account.

An ideal bad credit card would have no fee/other-charges associated with it and would require zero or a very small amount as minimum bank balance. It would also have something like 90-100% of bank balance as its credit limit. Moreover, an ideal bad credit card would also offer a good interest rate on the bank balance.

Bad credit card cards are really a good concept that provides respite to people with bad credit rating by letting them enjoy the benefits of credit cards while they mend their credit rating.

----------------------------

Credit to Uchenna Ani-Okoye Free Affiliate Programs

NB: For more valuable information and guideline visit: Credit Cards

"You are welcome to give your comment! Do you have anything you'd like to add or challenge about this hot issue? Any bad or good experience lets share. Your contribution will educate and benefit many readers".

Thank you for reading and comments if any: - ranci endo

If you liked this post, please don't forget to stumble or digg it so even more people can read it and benefit!"

How to Keep Out of Debt with Good Credit Cards

There's always a first time for everything, and getting the best Credit Cards is not exceptional. The question in today's ReiVRE: Money Talk- Credit Cards is – "How is it possible ?"

Paying off your debt can take some time, but it is a process you shouldn't wait too long to start. Debt relief might be the best solution for you if you want minimal stress. We live in a world where it is easy to fall deeper into debt by the minute, but if you work hard at it you can maintain good credit and still manage to get out of debt.

It is important to not panic while getting your finances in order. Create a goal and stay determined to reach it. To pay maintain your credit and even raise your credit score, then you need to make regular payments. Also make sure that you make your payments on time. Stay focused on your goals and a positive financial future.

Start off with creating a budget. Take into account your monthly income, your payments and expenses. Take a good look at where you are spending money each month. You should really look at your unnecessary expenses and what you can do without. This is the time to really slow down or stop using your credit cards altogether. Once you start paying with cash it will force you to be more cautious of your spending.

A good idea to help with bad credit cards debt relief is to start saving all of your extra cash, no matter how small the amount. This can be used to pay off smaller debts. One way to save money is by cutting back on eating out and buying expensive coffee drinks. This will really help you to put aside and that can be used to pay off debts.

Taking out a cash advance on credit cards is another way to make a payment. This can be a quick fix, but ultimately just will raise what you owe on the card. Typically, cash withdraws on credit cards carry a higher interest rate as well.

Some people find that refinancing their home is their only option. Increasing your mortgage repayments isn't always the best idea since it will help you in the short term, but not in the long run. Ask yourself if the debt repayment option you prefer is one that gives you money back, then this choice is right for you. Just keep in mind that there are other options also.

If refinancing is not the right choice for you, then maybe filing for bankruptcy is the best choice. Just remember to talk to a bankruptcy attorney before you file. Bankruptcy can also be avoided; some people like to take out the money they have saved in their individual retirement accounts. If you choose to take out of your IRA then just look at how your financial future will be affect. This should be considered your last possible options for debt relief.

Remember to stay focused on getting out of debt and repairing your credit. Take small steps when it comes to figuring out what debt relief option works best for you. The better your credit is, that will help you to stay or get out of debt. Make the best decisions for you and your family and never lose sight of a good financial future ahead of you.

___________________

Credit to Christina Costa visit Equotegrabber.com

NB: For more valuable information and guideline visit:Credit Cards

"What's your comment?- Do you have any thing you'd like to add or challenge about this hot issue? Any bad or good experience let us know! Your contribution will educate many and benefit our readers.

Thank you for reading: - ranci endo

If you liked this post, please don't forget to stumble or digg it so even more people can read it and benefit!"

Build Your Credit, Your Life, With Secured Credit Cards

There's always a first time for everything, and getting to build your credit, your life with secured Credit Cards is not exceptional. The question in today's ReiVRE: Money Talk-Credit Cards is – "How do you build your credit, your life with secured Credit Cards?"

If you are like the millions of people suffering from bad or damaged credit and having trouble obtaining credit cards, you might want to consider a secured credit card. These are perfect for any person looking for credit repair and wanting to understand their options. What is great about secured credit cards is the fact that they can actually help you restore your credit rating and get back on the right track in your financial life.

Secured credit cards work closely with your personal checking or savings account. They work and look in much of the same way as the unsecured credit cards with just a few differences. Instead of the creditor offering you a line of credit, you are identifying your own credit line with your checking or savings account. Depending on the credit card you go with, your bank account will likely be used as collateral. What happens is if you fail to make a timely payment to the credit card, the minimum amount will be deducted directly from your bank account.

How does this help you? Well, if you have bad credit for any reason, banks and creditors are not going to be willing to extend you credit. This can make it difficult, especially in a society that is all about the plastic. However, if you get a secured credit card, you will be proving yourself worthy, provided you keep the bills paid on time and use the card responsibly. Eventually, the bank or creditors may see you have proven yourself again and begin to offer you more traditional credit cards of the unsecured fashion.

Debt is something you really do not have to worry about with these types of credit cards. Simply put, the only credit line available to you is what you have put into the special savings account. Keeping it paid will ensure that your credit line is always where it should be, at a comfortable range for your budget.

There are some disadvantages to secured credit cards as well. For instance, if you fail to make timely payments, you will have to deal with their high rates of interest and other various late fees. What happens is that they can continue to rise to where eventually you are broke and have nothing to fall back on. This is why it is ultimately important to keep that bill paid on time, every time.

However, this is the best option for those who are looking to repair their credit and build their credit. Secured credit cards are the first step to financial freedom and eventually a credit worthy life.

--------------------

Credit to Nick Makaryk is an Internet Publisher, Copywriter, and Founder of Best Credit Cards

NB: For more valuable information and guideline visit: Credit Cards

"What's your comment? - Do you have any thing you'd like to add or challenge about this hot issue? Any bad or good experience let us know! Your contribution will educate and benefit many of our readers.

Thank you for reading and your comment if any: - ranci endo

If you liked this post, please don't forget to stumble or digg it so even more people can read it and benefit!"