Prepaid cards offer the convenience of a credit and debit card without the borrowing. Do I need a credit check to get a prepaid debit card? This means you can never spend money that you cannot afford to repay, which can help you manage your bad credit better. Unlike a credit card you must pre-load money onto the card before you're able to spend. Prepaid cards are a plastic payment card, much like standard debit or credit cards.
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