From some point, the pre-paid credit card is one of the best solutions you can find, if you have bad credit history, or don't have any yet. Many Americans today are getting rejected for a credit card and since you need them for most anything like shopping online or paying all kinds of memberships, this is the perfect solution, or is it?

A pre-paid credit card works like a checkbook. You can write checks as long as you have money in the bank. Then banks offer a debit card giving them greater freedom while still using their checking or savings account. Now you can do whatever you need to using prepaid credit card.

Then came the pre-paid credit card. This is very similar with a debit card but you don't have to have the checking account. All you have to do is apply for the pre-paid credit card with a 100 percent approval guarantee. Once you have the card then you can load money on your card. Then you have the freedom to spend at least until you use all the money on the card, then you have to load it again.

With most of these pre-paid credit cards you have to pay an activation fee at first which is usually $10 or more, then they charge you a loading fee after that. But for people that can not get a real credit card it is well worth the fees so that you can have the spending power you need.

Although a pre-paid credit card is much more easier to get approved for than a regular credit card, they are still all different and each one offers different incentives like some do not charge a loading fee. Some let you to load your card using western union or have your employer load your paycheck on your card. It is best for you to go to a website where you can look at all the different cards and compare them.

In some ways a pre-paid credit card is easier to manage than a credit card. You don't need to worry about APR, finance charges, late fees, and even your statement. If you don't have the money already on the card you will not be able to use it. So if you have no credit and you are unable to shop online because you don't have a credit card you should not look any further than a prepaid credit card.

Don't let no credit stop you from shopping online or travelling abroad. You can be like everyone else and get a pre-paid credit card, they are honored everywhere just like any other credit card and these will not let you spend more cash than what you have and you don't have to worry about paying it back.

Compare credit cards at http://www.credit-card-accepted.com