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Thinking about picking up a reloadable prepaid card? In 2015, more than half of all Americans purchased a prepaid card for personal use, compared to 19 percent in 2008, according to Synergistics Research Corp., which studies the prepaid market.There are more than a dozen types on the market now, and plenty of variations that can make them a wonderful or terrible choice. Prepaid cards look like credit cards and spend like credit cards but there’s no credit behind them.
A study by The Pew Charitable Trusts found that the most common reasons people cited for using prepaid cards were to make purchases in places that don’t accept cash, to avoid credit card debt, to control spending and to avoid overdraft fees. Some will issue payments via electronic check issued by the card company or let you withdraw cash from an ATM using a special PIN.Prepaid cards charge fees for everything from setup to reloading.The good news is that by comparison shopping, consumers can limit fees, as long as you keep a minimum balance or sign up for direct deposit.Registering online is quick and easy – we'll ask you to enter a few details and create a username and password.Then you just confirm which card you want to activate and you're ready to go.You can manage your account online or, often, via mobile app.
Green Dot, Am Ex Bluebird and Serve, and Walmart Money Card all offer apps to manage your accounts on your mobile device.
"Seventy percent of general prepaid card users use mobile to check balances and transaction history and receive text alerts," says Bill Mc Cracken, CEO of Synergistics. You have five options: A reload card works like a gift card: It contains a code number that becomes linked to the amount of money you paid the cashier.
"So mobile capability in a prepaid card is very important." 5. Using reload cards with a PIN was a popular and convenient way to load a prepaid card online or over the phone – until PINs became a target for scammers.
You just load dollars directly onto the card and then use that balance for purchases. without a checking account, prepaid cards offer the ease of card-based purchases without the hassles of dealing with a bank.
When the balance on the card dips too low, you reload more money. You can use prepaid cards to book a hotel room or rent a car.
Expect to see more incentives such as Wal-Mart’s cash-back rewards, which gives cardholders 3 percent cash back for using their Money Card at Walmart.com, 1 percent for using it in their stores. Load your monthly grocery budget onto a prepaid card and use it strictly at the supermarket; when the money’s gone, your spending stops automatically. "While prepaid cards were developed by entrepreneurs as an alternative to banking, the funds in these accounts are almost always held by a bank or credit union and enjoy federal deposit insurance," said Cordray.