Withdraw Your PayPal Funds and Earn $25 Worldwide

If you are in country where you cannot withdraw PayPal funds in your local bank account, then you need this US debit card. The card is issues free and you can use it in any ATM machine with a MasterCard logo in your home country. Whether you live in India, Kenya, Singapore, Tanzania, Rwanda, Eritrea, or any other part of the world where you cannot be able to get your PayPal funds from your local bank, then this is the best option to use. It will enable you withdraw your PayPal funds easily without any stress.

In order to get fast approval, make sure you fill in all the details correctly especially the street address and postal address. The card will be emailed to you within a period of one month or so after approval. Since it is issued free, you do not spend any money, and soon you can start withdrawing your PayPal funds to your debit card. 

Register here now and get $25 dollars after withdrawing the first $100

Once you have received it, you will then set the password you will be using, and there you are done. You will need to attach the card in your PayPal account. You can also use this card to verify your PayPal account.

Once you have withdrawn the first $100, you will get a bonus of $25 free. This is an additional benefit and you can refer your friends too and earn more from every approved member. If your funds are stuck in your PayPal account, and you cannot withdraw them, then this is the viable solution. Using this card is very simple, and it has the best protection for your dollars. The issuer ensures that you funds are safe and protected.

When you are applying for the card, ensure that you fill the form correctly. This is one section, which many people do not get it right, and they do not get approval fast. When filling the street address, ensure that you do not exceed 25 characters, as it may not be approved. Also, ensure that you fill in home street address and not your business street address.

When withdrawing funds to your debt card, it takes about 3 to 4 days to reflect in your account. Usually, you will be issued with a checking account in the US together with a routing number. All these details will be sent to you in the application process.

You can start receiving your PayPal funds in the most convenient, secure, and fast way through use of a US debit card. Register now and begin the road to stress free PayPal withdrawals, and earn $25 dollars after withdrawing your first $100 PayPal dollars.

Register here now and get $25 dollars after withdrawing the first $100

Prepaid Credit Cards...a Killer to those Wishing To Repair Damaged Credit Score

When prepaid credit cards first hit the market, they were they were pitched as good options for those who could not qualify for credit cards. However, these prepaid credit cards are actually debit cards because they do not carry credit limit. You can only use what is loaded on the debit card and no more and therefore it does not provide credit facilities like you would find with credit cards. If you have less-than-stellar credit, it means that the first priority is building the score. This cannot be achieved with prepaid debit cards because they do not offer credit and no payments are reported to credit reporting agencies. 

If your credit is bad, you should work on bringing it to better levels so that you have access to regular credit cards, low interest personal loans and other credit facilities. A secured credit card can help you raise your score and the good thing with this card is that it is accessible to anyone with good or bad credit. What you need to do is look for some money to put as deposit against the card. That deposit acts as the collateral or security against the credit on that card.

Secured credit cards attract low interest rates and can help you push up your score to a better higher point. The deposit you place against the secured card is not used and only remains on the account until you close your account. The reason why prepaid cards are killer to those focussing on bringing up their credit score is because they cost the card holder a lot of money in terms of fees. If you check the monthly fees charged by prepaid cards, they are far way above the fees for bad credit secured credit cards even those, which attract annual fees.

For example, if you acquire American express prepaid card, and you reload the card and use it in the ATM two times each month, you are likely to pay a cost of about $11.90 per month. This comes from the card loading fee of $9.90 and the ATM fees of $2. An ideal secured card can cost you about $4 to $6.5 per month. This means that at the end of the year, you can save a lot of money with secured credit cards.

A prepaid debit card only adds more burden to your spending because of the fees. Although consumers say that they do not worry about the fees, this cannot be overlooked because it contributes to the state of indebtedness. The prepaid card does not allow you to enjoy credit facilities. It cannot help you rebuild your bad score and it will cost you more in monthly fees. 

Perhaps a prepaid card is not designed for people who are truly working hard to have their score push upwards. Prepaid debit cards are known to help those with lose money-spending morals and who cannot hold money in their accounts. You can use these cards to put a gauge on your spending patterns and habits. You only load what you want to spend in specific time and after spending what is on the card, no credit. You must reload your prepaid debit card again.  

Prepaid Debit Cards... Some 4 Viable Alternatives to Prepaid Debit Cards

Prepaid debit cards can enable you manage your spending patterns so that you do not overspend your money. These cards also enable you alleviate some of the troubles that come with credit cards such as late or missed payments as well as over-the-limit penalties.  However, prepaid cards come with fees such as ATM withdrawal fee, annual fees, monthly fees, transfer fees, loading fees and other types of charges. It has been argued that prepaid cards are costly than some checking accounts. They are also costly than secured credit cards but despite these aspects, people are preferring use of prepaid cards.

Prepaid credit cards do not help in rebuilding credit score because they do not offer loans or credit limits. Therefore, card issuers or banks do not report the card usage in credit reporting companies like Equifax, TransUnion, and Experian.  Below are 3 alternatives to prepaid debit cards;

1.    Secured credit cards
Although there are many alternative to prepaid debit cards, the right choice is determined by the reason why you are looking for a prepaid debit card in the first place. If you are seeking for a card to use when you are in bad credit, then a secured credit may be the right choice.  Prepaid debit card cannot help you repair your damaged score and therefore if you have a less-than-stellar credit score, then you would better seek for secured credit card.

It only requires you to seek for a few hundreds of dollars to put as deposit against the secured card. A secured card cannot cost you more than a prepaid debit card if you make balance payment in time. The secured credit card will help you build your score and eventually qualify for a regular credit card. 

If you are seeking for an alternative for a prepaid debit card, you may consider secured credit cards from Capital One and Citibank. These are primed institutions that offer secured cards with low fees and also an option to be able to trade up or increase the credit limit after 12-18 months if you demonstrate that you can really use the card wisely and competently without late payments and over-the-limit use. 

2.    Unsecured credit cards
Besides the secured credit cards, there are also unsecured cards and these are designed for those people who cannot afford to pay the little deposit to secure a secured credit card.  However, an unsecured credit card opens doors for fees levied by banks and card issuers and therefore, they may not be a perfect alternative to prepaid debit cards. Some banks are helping people with stinky or bad credit by offering them credit cards with low limits so that they develop their scores. 

3.    Rewards checking accounts
If you want to control and manage your spending, instead of going for a prepaid debit card, you can opt for rewards checking account. With this checking account, you cannot overdraw and this means that you do not incur the over-the-limit fees charged on credit cards. With this account, you can transfer money between your checking account and saving account. A rewards checking account can also earn you interest. It is important to check a reward checking account that offers low minimum balance.  Instead of losing money through prepaid debit cards fees, you can earn as much as 4% with high-yield checking accounts. 

4.    Cashback debit cards
Moreover, you may choose a cashback debit card. Rather than going for prepaid debit card, you may choose a cashback debit card which works comparatively the same as prepaid debit card but you can get refunds or cashbacks on your purchases. This means that you save about 1 to2 percent on your purchases. This can help meet some of the fees that come with these debit cards.