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Stored Value Credit Cards
A Stored Value Card is a magnetic-stripe plastic card that is issued by a bank. The "open loop" stored value cards are issued with card association branding, like Visa or MasterCard, and can be used anywhere the association brand (i.e., Visa), is accepted. Examples of open loop stored value cards include gift cards, payroll cards and teen cards. "Closed loop" stored value cards are issued by a specific merchant or merchant group (i.e., a shopping mall) and can only be used at that specific merchant or merchant group. Examples of closed loop stored value cards include store cards, mall cards and gift certificates. Both open loop and closed loop stored value cards utilize existing processing networks. Consumers can spend up to the value loaded on the card, and can reload the card at anytime or dispose of it when the funds are depleted. The Stored Value Card is usually NOT imprinted with the customer's name, only the account number. The Stored Value Card utilizes encrypted communications and electronic banking protocols to create a secure solution for the cardholder and the merchants. As with a credit or debit card, holders of Stored Value Cards are able to purchase goods and services from participating on-line merchants as well as all PIN based POS (point of sale) systems. As with traditional credit, debit and ATM cards, holders of open loop Stored Value Cards are able to withdraw cash from all ATM machines. Unlike traditional credit, debit or ATM cards, Stored Value Card holders can obtain a card without regard to their credit history, ability to open a bank account or the balance in an existing bank account. Unlike traditional bank tied credit, debit or ATM cards, Stored Value Card holders can usually fund their card by using Western Union, MoneyGram, ACH, Bank Wire or Credit Cards.
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Western Union® Prepaid MasterCard®
Get more info about the Western Union® MasterCard® |
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Wired Plastic™ Prepaid Visa® Card
Get more info about the Wired Plastic™ Prepaid Visa® |
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The PAYjr Visa Buxx Card
Get more info about the The PAYjr Visa Buxx Card |
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Card Lab Custom Visa Gift Card
Get more info about the Card Lab Custom Visa Gift Card |
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Eufora Elite Credit Builder Prepaid MasterCard®
Get more info about the Eufora Elite Prepaid MasterCard® |
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All-Access® Visa® Prepaid Card
Get more info about the All-Access® Visa® Prepaid Card |
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AccountNow™ Vantage Debit MasterCard®
Get more info about the AccountNow Debit MasterCard® |
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BuyRIGHT Prepaid MasterCard®
Get more info about the BuyRIGHT Prepaid MasterCard® |
No Credit or Bad Credit can hurt you
It will be more and more difficult to rent an apartment, buy a new card or even just to open a new checking account if you do not have a good credit history. Lenders charge people with no credit or poor credit a higher interest rate when financing a new car, a new home or just about anything. Sometimes they will even turn you down. Car dealers may charge you over 20% interest, while other people pay less than 5%. Banks run credit checks on new checking account applications, and if you have bad credit, you might not even be able to open a new checking account. This is the situation, where you need to plan ahead, and establish or re-establish a good credit rating*. One way to do it, is to start with a new credit card and pay your credit card balance on time. However, for people with no credit or bad credit, the options to get a new credit card are very limited. This is where we offer our help: Check out our selection of no credit/poor credit credit cards, and feel free to apply for the ones you like the most. There are some great cards even for people with no credit on this credit card site. See it yourself!
*If your primary goal is to improve your credit, then choose from credit cards that report to at least one credit bureau.
More Credit Card Resources Online
One of the most complete guides to help you finding the best balance transfer credit cards online.
Poor Credit Credit Cards lists various credit cards for people with poor credit or no credit. They can help you building up or re-building your credit history.
Credit Card Balance Transfer.com has an extensive list of low APR, 0% balance transfer credit cards. Apply online for MasterCard, Discover or Visa credit cards.
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