Pre-paid credit cards, has anyone used one? What's good and not so good about

So you like the debit card better than a pre-paid card. Interesting, you think there is a stigma to them. I don't think of people having bad credit. I think of people not wanting to get into debt or if their card is stolen having all kinds of crazy charges on it. Prepay means the money is there, unlike regular credit cards. My husband is with you. He likes debit cards. Many people that call in say they have only savings accounts, of course they could just be trying to get a sales person off their backs, but they call me, I don't call them. All I know is that cash doesn't work on the phone and many people who call in are against credit cards and some are even against debit cards. Many fear them getting stolen or in the case of elderly people, someone seeing them using them and beating them for the card or knocking them over to steal them. But with a call, you can report them missing and stop payments. But you can't do that if you're in the hospital unconscious. I guess there are all different ways of looking at things. I hate debit cards. When they first came out, those ATM machines did all kinds of stuff including jam my check and not give me any money. So for three days I didn't have a cent. Also if I pressed a wrong number and didn't notice, I got locked out. So I told them they could keep their debit card. Unemployment gave sent me one, I would only use it at an atm and I could only take out $20 at a time. So I have $18 in the card that I will never be able to get out of there, but I paid taxes on it. When you get 1/2 the pay you would have made per week and every week, you can't take out the last bit of it under $20, you catch a serious attitude, esp. when you have to ask your husband for money to keep going and the amount you need per week is usually under $20 that you're short that you could have had if it wasn't for that brainless policy!

Good, you can't overdraw them, that's better than a bank account and maybe a debit card. Fee wise or money wise, it seems like they could be better or worse depending on the fees for each card. American Express seemed to have only $5. or $6 for the initial charge for the card and then $2 per month, but suspended if you kept using the card for a certain period of time. Whereas was it Visa or Master card that had $14.95 charge to start pluse $4.95 per month to keep it going. Seems like my regular credit cards are more than that. Thanks, no credit or at end of credit, helps people out. So they may be a good idea for some people.

You're welcome. You explored every aspect of credit, debit and prepaid cards that I was wondering about. You deserve it.

All very true. Where I live, fewer places are taking checks. Often signs say cash or credit card;no checks. Thanks and take care.

Thank you, it's always good to have someone tell from personal experience what something is like. Take care, and hope to see you around more.