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From some point, the pre-paid credit card is one of the best solutions you can find, if you have bad credit history, or don't have any yet. Many people today are getting rejected for a credit card and since you need them for most anything like shopping online or paying all kinds of memberships, this is the perfect solution, or is it?

A pre-paid credit card works like a checkbook. You can shop as long as you have money on your account. Then banks came out with a debit card giving them greater freedom letting use of their checking or savings account. Now you can shop online using what looks like a credit card.

Then pre-paid credit card appeared. This is very similar with a debit card but you don't have to have the checking account. You can apply for the pre-paid credit card and you will get approved - guaranteed. Once you have the card then you can load it with money. Then you have the freedom to spend at least until you use all the money on the card, then you have to load it again.

While getting a pre-paid credit card you have to pay an activation fee at first which is usually $10 or more, then they charge a fee every time you load the card after that. But for people that can not get a real credit card it is well worth the fees so that you can have the spending power you need.

Although a pre-paid credit card is much more easier to get approved for than a regular credit card, they are still all different and each one offers different special offers like some do not charge a loading fee. Some allow you to load your card using western union or have your employer load your paycheck on your card. It is best for you to go to a website where you can look at all the different cards and compare them.

In some ways a pre-paid credit card is easier to manage than a credit card. You don't need to worry about APR, finance charges, overlimit fees, and even your statement. If you don't have the money already on the card you cannot use it. So if you have bad credit and you are unable to do the things you want because you don't have a credit card you should not look any further than a prepaid credit card.

Don't let bad credit stop you from shopping online or renting a car. You can be like everyone else and get a pre-paid credit card, they are accepted everywhere just like a credit card and these don't let you spend more money than you are planning and you don't have to worry about paying your monthly bill.