Prepaid Credit Cards

Prepaid cards are, in fact, not credit cards at all BUT rather are used just like credit cards, wherever credit cards are accepted. The advantages of prepaid cards is that there are no finance charges and they help you avoid debt, in that all purchases are paid for beforehand. With prepaid cards you determine the credit line. Generally speaking, a cardholder's credit line depends on how much money he/she transfers to the card. Therefore, there is little risk of running up credit card debt, while budgeting is made easier.

Although most prepaid cards do not charge finance fees, other fees may apply, including: monthly fees, startup or application fees, overlimit fees, ATM fees and more. Be sure to thoroughly look over the terms and conditions for each specific card before applying.

Why is the Allow Card Program just right for your family? The Allow Card was designed for Students of all ages, so they can use their allowance to make purchases at school, area malls, and local businesses - wherever MasterCard® debit cards are accepted. As a Parent, you'll be glad to know the Allow Card is actually better than a credit card: kids can't spend more than the amount loaded on the card. YOU WON'T HAVE TO WORRY ABOUT OVERDRAFT FEES, INTEREST FEES, LATE FEES……YOU SET THE SPENDING LIMITS while still giving your child the power to manage their money. In fact, Allow Card features more than 35 Parental Controls so you can feel confident about where your children spend their allowance. The Allow Card is a part of an innovative program that uses interactive, online tools to teach fiscal responsibility to your child. These online lessons introduce children to important money management skills - establishing a pattern of responsibility they will take with them on life's journey.

Wired Plastic™ Visa® Prepaid Card
	New Card for Convenient Tap-n-Pay Purchases at Merchants Nationwide * No Bounced Check, NSF and Overdraft Charges EVER! FREE Rewards Program - Earn 1 point for every $1 spent, redeem for Prepaid Wireless Airtime, Music Downloads, LD Calls

First Vineyard MasterCard® Card
	Receive cash back from your own spending * Reload your card directly from your payroll or bank account Online Bill Payment service included – Pay your bills directly with our powerful bill payment service Card Accepted at 30 Million merchants & One Million ATM machines

The BuyRIGHT Prepaid MasterCard®
	Get cash at over 900,000 ATMs worldwide * Pay your bills online or over the phone Eliminate payday hassles with free direct deposit Accepted at millions of MasterCard locations worldwide NO credit checks, NO employment verification, NO monthly or annual fees

* See Issuer for details about terms and conditions of offer

Pre-Paid & Debit Cards At A Glance