Most people shop online using credit cards. But nowadays, there are so many other methods of making payments that you don’t have to get a credit card just to make a purchase. You can also use prepaid debit cards.
Debit card or credit card
You might be wondering what the difference is between getting a debit card compared to a credit card. Although both cards have some similarities in common, here are a few advantages about owning debit cards that make them that much better to use when you make a payment transaction while shopping online:
Get manage your funds
When shopping online, there can be times that you don’t notice how much you are already spending. With so many sales and great deals, the tendency to go above your monthly budget for purchases can run away with you especially when you are using a credit card. If you use a debit card, you can put a cap on the amount that you will be spending better. This is because a prepaid debit card allows you to only put a set amount into it when you choose to. So, for example, you only set yourself a hundred dollars a month for online shopping, then that is the only funds in your debit card you will put in. When that money runs out, then you won’t be able to use your card unless you top it up with more funds, to help you control your spending and keep within your budget.
You won’t need to build up any credit
Unlike getting a traditional credit card, a bad credit history won’t matter when getting your own prepaid debit card. This is because you won’t be building up any credit at all when using a debit card. These debit cards are paid for with the funds you already have in advance. This means that you won’t be getting a billing every month that you’ll have to pay for. When you use your card, the money you’ll be spending is the money that you already have and not rack up any debt in the process.
You don’t need to apply at a bank to get a debit card
If you want to get a debit card but don’t want to have to go through your bank, then that won’t be a problem at all. There are so many other alternative ways for you to get one. An easy way for you to get your own prepaid debit card is to go through your online payment provider.
Apply for a USD or Euro debit card
All you have to do is to apply for a debit card online, wait for it to get delivered, put in funds, and you’ll be good to go. You won’t need a mountain of paperwork just to get approved to get this type of card. When you apply at this reliable money services company, you’ll be able to get a USD or Euro debit card. One of the advantages is that this money services debit card can be used to accept and send payments.