Have you tried to get a credit card but been declined due to a poor credit score.
The answer to your problem could be a free prepaid credit card issued by Visa.
In this tough economy a lot of us are having to learn the meaning of bad credit and how that affects our day to day life.
Whilst we should all try and live on cash, there are times when you need a card to pay for items such as via internet shopping.
But doesn't having bad credit mean you can't get a Visa card? The answer is yes and no.
You possibly won't qualify for a normal Visa card but you would be approved for a prepaid visa card as there are no credit checks involved.
What is a prepay credit card? It looks and feels just like a credit card but as you have to pay the money into the account in advance, the credit company are not concerned about you defaulting on your debts.
When might it prove useful? Sometimes the only means of payment is via a card such as booking airline tickets or other purchases online.
Not all websites will accept a bank debit card.
A lot of people are now finding that their friendly bank manager is not so friendly and credit isn't as easy to obtain.
Unemployment is rising and the average individual credit score is falling.
It can be difficult to be approved for a new credit.
Some finance houses are cutting the limits on clients existing cards.
As soon as a capital payment is made, the limit is reduced.
A prepaid credit card can come in very useful for example if you are going on holiday as you have all the protection and convenience of the normal credit card except you cannot overspend.
If you fall victim to a fraudster the normal rules apply.