Visa MasterCard Discovery

Prepaid cards could be the solution to help card users from sliding into debt

[Thursday, March 31st, 2011]

According to the recent research done by it has been found that at least 5 million people in the UK alone have a permanent issue of overdrafts and another 18 million are sliding into overdrafts since the last year. With these alarming figures people are generally worried about sliding into debt at some point in time.

The best way to get people out of this worrying situation seems to be getting hold of prepaid credit cards. These prepaid credit cards will help by reducing the banking penalty costs and thus enabling individuals to do better budgeting and bringing up their credit ratings.

However, there are many consumers who might be wary of switching over to prepaid cards as they fear that the cards might be declined or that it will be reflected in their credit history.  However, for the prepaid credit cards such as the Cashplus prepaid Gold MasterCard, there are no credit checks that are performed on the application and acceptance is also guaranteed. This helps in making the prepaid credit cards the most viable option for all those people who have had a poor credit history.

The Cashplus prepaid credit card in fact, helps people rebuild their credit ratings with the bank through their Credit builder, which is another add-on product. This is a product which lasts for one year and is basically a small loan that comprises of one-year’s monthly fee for owning the Cashplus card. This helps the customer repay the monthly fee promptly which in turn gets reflected in the ratings.

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