The credit card is so convenient: Everywhere it is the plastic money. Meanwhile, there are the credit card especially online banks often free. If the credit is correct. Who is in debt but the banks are reluctant to push a credit card in hand. Unless it is a prepaid credit card.
The prepaid card is also suitable for teenagers. Only the Swabian Bank offers three prepaid credit cards specifically for adolescents. In general, tickets for children 12 years are available. Of course, one must give his consent Erzeihungsberechtigter. But beware: there are also costs falling on the prepaid credit card.
How does a prepaid credit card?
The prepaid credit card works much like a prepaid mobile phone tariff. The owner pays a credit on the card account. Only he can then spend those funds also. When paying, shopping, refuel or a pre-authorization of the required amount will be made on the card. It will examine whether the balance on the card is sufficient for the purchase or for filling the tank.
From the “real” credit card, it differs at first by two characteristics: First, it does not have the typical credit card embossing on the information. The prepaid credit card is printed as a debit card. The second feature is the sentence: “Electronic use only”. Both prevented earlier that the card was read out by certain readers. Imprinter were called terminals, also called Ritsch-Ratsch devices. Today they are used at all any more.
The exception MediusCard, a MasterCard with embossing and without the “Electronic use” is entry. VISA cards are not embossed with.
What are the benefits of the prepaid card?
All providers advertise but with the same advantages:
¤ No SSN, no credit check.
¤ Easily and quickly ordered online.
¤ No debt, because you can only spend the funds.
¤ Security, since only the credit may be lost.
In fact, prepaid credit cards are usually offered without Schufa the Internet. An exception is the prepaid card Wüstenrot Bank. It is tied to a checking account at the bank. And for the account, the bank verifies Wüstenrot course, the creditworthiness of the applicant.
The safety advantage is real. Even the owner of a normal credit card is not always fully liable for the damage, if fraudsters with his plunder his account card data. But then once the money is gone. With the prepaid credit card can only be lost. The credit-card credit plays her strength so only if its owner is charging the credit sparingly.
Because of these prepaid credit cards are considered safety tip for online shopping. Some prepaid cards, there is even a virtual credit card. The actual plastic card costs in some cases, even then an additional charge. Nevertheless, there are annoying cost traps.