Pre-paid master card or proper credit card?

[erakepio]

Hi All,

currently using a Visa electron for my daily stuff. Now, couple of things. I wanted to sign up to the Google Developer community, however they only accept credit cards (joy!). Yes..my Visa electron would work..but those pretty much leave you with no leg to stand on....I also wanted to sign up to Brazzers.com aswell (not been a member for about a year but used to be a huge fan).

Now..i'm not sure whether the best option would be to go for a Visa Barclaycard or one of those Virgin Pre-paid Mastercards. I dont really want to use my VISA electron online as you can never tell just who is dealing with your requests at these payment processors.

Any Ideas?

 

[Legzman]

Any Ideas?

don't get a credit card in the first place! Get a band debit card. Works like a credit card and far less likely to fuck yourself with it! :thumbsup:

 

[erakepio]

band debit..is that the same as the pre-paid mastercard you get from virign?

 

[E-Ann-Hilden]

You get no credit rating with a pre-paid and credit rating is one of the most important thing these day, if not in life. I would get both and be careful with your spending on the regular credit card.

 

[Facetious]

Pre paid cc card only to restore your credit rating.

If you're prone to always carry a balance NO CREDIT CARD !

don't get a credit card in the first place! Get a band debit card. Works like a credit card and far less likely to fuck yourself with it! :thumbsup:

There are certain benefits that you get with a cc card that you don't get with fake ones. For instance, I don't think that you can dispute a debit / credit purchase. *Read all fine print.

 

[AndyHunter]

If you ain't got the cash in the bank - don't use a credit card! It will fuck you up! Trust me - I know!
Use a debit card, that way you cannot spend money you don't have!

 

[E-Ann-Hilden]

If you ain't got the cash in the bank - don't use a credit card! It will fuck you up! Trust me - I know!
Use a debit card, that way you cannot spend money you don't have!

Well if you are responsible they are a easy way to establish a credit rating. Be smart! These days a 720 or higher will save allot on a credit card rates, auto loan or a mortgage.

 

[Facetious]

Well if you are responsible they are a easy way to establish a credit rating. Be smart! These days a 720 or higher will save allot on a credit card rates, auto loan or a mortgage.

I just love "the system", how the very individuals that keep the banks in business (us) with our slightly tardy payments, not only get hit with higher interest rates, (which I can understand, after all, it is borrowed money) but a knock on our overall "Fucko" credit score.

Is that a deal or what ? If it weren't for those busy people that might be a day or two late on their Credit Card Payment, the banks would fall flat on their faces, if they haven't yet already done so. It bothers me to no end how a completely unelected dictatorship like †FICO can have the wherewithal to do as they do !

Can't the people at †FICO get a real job instead of sitting on their asses, finding every possible angle with which to challenge our credit score ? I've never defaulted on a payment in my life ! Every time I was tardy with a credit card payment, I have always paid in full before the next billing, in other words, I rarely carry a balance into the second month. I have never carried a balance past a second month never ever ! Why don't those assholes at †FICO give my score a little lot of cred for that ?

Sorry if my tone sounds pissed but this gang over at the holier than thou, †FICO, work AGAINST us on every conceivable level and, well . . . that sorta pisses me off, how about you ?

Without reading into them tonight, who in the hell elected or appointed †FICO to act as the be all - end all with respect to how our credit rating appears ? Hell, you might not even be able to get certain forms of employ without showing that you're a weenie, goody two shoes, 850 credit "rater".
For info on FICO, do I have to wade through One Thousand Seventy Three pages of rhetorical "stimulus bill - like gibberish" to maybe find their terms of unsolicited engagement ?


†Coercive bastards ! Communists even !:crash:





After that, this will be the most difficult keystroke of my life . . . here goes ""

 

[Violator79]

I pay everything with either cash or a money order, that way I owe no bank 75% interest on something that cost 5 dollars.

 

[warman2442]

I do load as you go credit cards

 

[knowone]

I do load as you go credit cards

Don't you pay a $5 charge every time you add money?

 

[E-Ann-Hilden]

I just love "the system", how the very individuals that keep the banks in business (us) with our slightly tardy payments, not only get hit with higher interest rates, (which I can understand, after all, it is borrowed money) but a knock on our overall "Fucko" credit score.

Is that a deal or what ? If it weren't for those busy people that might be a day or two late on their Credit Card Payment, the banks would fall flat on their faces, if they haven't yet already done so. It bothers me to no end how a completely unelected dictatorship like †FICO can have the wherewithal to do as they do !

Can't the people at †FICO get a real job instead of sitting on their asses, finding every possible angle with which to challenge our credit score ? I've never defaulted on a payment in my life ! Every time I was tardy with a credit card payment, I have always paid in full before the next billing, in other words, I rarely carry a balance into the second month. I have never carried a balance past a second month never ever ! Why don't those assholes at †FICO give my score a little lot of cred for that ?

Sorry if my tone sounds pissed but this gang over at the holier than thou, †FICO, work AGAINST us on every conceivable level and, well . . . that sorta pisses me off, how about you ?

Without reading into them tonight, who in the hell elected or appointed †FICO to act as the be all - end all with respect to how our credit rating appears ? Hell, you might not even be able to get certain forms of employ without showing that you're a weenie, goody two shoes, 850 credit "rater".
For info on FICO, do I have to wade through One Thousand Seventy Three pages of rhetorical "stimulus bill - like gibberish" to maybe find their terms of unsolicited engagement ?


†Coercive bastards ! Communists even !:crash:





After that, this will be the most difficult keystroke of my life . . . here goes ""

I hate FICO too.. but it just the way it is! If you pay your bills and have a large credit base, you have no problem. If you are late, your a late on your payment, unforuatly that effects your credit score. I hate the game too!