Q. im going off to college and i wont be able to use my parents cards and pay them anymore, so i have to figure out how to pay online...ive used a visa gift from walmart but that is a good 5% loss of what i use online, should i get a paypal? what are other alternatives
A. There are two options which do not involve getting a credit card. (Since you mentioned paying your parents for using theirs, I am assuming that you have the money just not the card.)
One option is to open your own checking account. Most banks (especially in college towns) have special accounts set up just for students. The debit card for the account will be affiliated with Visa or Mastercard. You can use it just like a regular credit card, the difference being that instead of borrowing the money against the credit limit the funds are taken from your account.
The second option is to purchase a reloadable Visa or Mastercard from a retailer such as Walmart or Target. (These cards a usually located by checkout.) This is different than a Visa gift card! You purchase these for a minimal fee and "load" them with a set amount. Once filled, you can use these just as you would a regular credit card with the money subtracted from the balance on the card.
If you do go this route, read the packaging carefully! You will want to get a reloadable card so you can put money in when you have it. Since many bookstores and other retailers online let you set up an account where they retain the account number of the card, having a reloadable card allows you to utilize these types of accounts. You will also want to compare the cost to reload the cards. The fee is usually just a couple of bucks, but it is a lot less than the interest rates on a real credit card. Some cards even offer the same protections as a regular credit card including warranty protection. Some also have the theft protection if you call and report it stolen. (Just be sure to read the fine print!)
Good luck with college!
One option is to open your own checking account. Most banks (especially in college towns) have special accounts set up just for students. The debit card for the account will be affiliated with Visa or Mastercard. You can use it just like a regular credit card, the difference being that instead of borrowing the money against the credit limit the funds are taken from your account.
The second option is to purchase a reloadable Visa or Mastercard from a retailer such as Walmart or Target. (These cards a usually located by checkout.) This is different than a Visa gift card! You purchase these for a minimal fee and "load" them with a set amount. Once filled, you can use these just as you would a regular credit card with the money subtracted from the balance on the card.
If you do go this route, read the packaging carefully! You will want to get a reloadable card so you can put money in when you have it. Since many bookstores and other retailers online let you set up an account where they retain the account number of the card, having a reloadable card allows you to utilize these types of accounts. You will also want to compare the cost to reload the cards. The fee is usually just a couple of bucks, but it is a lot less than the interest rates on a real credit card. Some cards even offer the same protections as a regular credit card including warranty protection. Some also have the theft protection if you call and report it stolen. (Just be sure to read the fine print!)
Good luck with college!
Can I use a Visa gift card purchased at a drugstore to order something online?
Q. I wanna order this thing online.
I have no credit cards, and my parents won't let me.
So I might as well get a visa gift card at Walmart or something to get the thing. Is that possible?
I have no credit cards, and my parents won't let me.
So I might as well get a visa gift card at Walmart or something to get the thing. Is that possible?
A. Yes you can use your Visa Prepaid Credit or Debit card for online purchases. Just make sure and go to the cards website and register your name and address first.
How to keep jewelry from moving inside a gift box?
Q. So my husband and I bought a set of matching ear rings, necklace, and bracelet for my mother in law for Christmas. We got them pretty cheap for real jewelry at a liquidation sale and they were put inside bags. We bought some gift boxes from walmart and tissue paper to wrap them in. It would work fine except if the box is moved around the jewelry will slide out of place. I don't want to tape it cause I think that will look crappy. Any suggestions on how to keep them in place ?
A. get a smaller box.
How does a Visa Gift Card work from WalMart when concerning online purchasing?
Q. I'm 19 years old and in college and have no desire of getting a real credit card right now. I've heard of the visa gift cards from Walmart, but do not understand how they work.
I'd like to buy something off of cheaperthandirt.com or amazon, but i do not know if they will accept a visa gift card. Also is it possible to have more than 100 dollars on a visa gift card. The reason I ask is because the equipment I would like to purchase is in the $130 range, and I have not seen visa gift cards that go up to this amount.
Is it possible to load more money on the card? Are there any monthly fees? Can I use the money on the card and then be done with it?
I have no desire to keep an ongoing credit card or anything that has ongoing fees. I just have a few items online I would like to purchase before Christmas.
Thank you for your time and any advice you can give me. Have a wonderful day!
I'd like to buy something off of cheaperthandirt.com or amazon, but i do not know if they will accept a visa gift card. Also is it possible to have more than 100 dollars on a visa gift card. The reason I ask is because the equipment I would like to purchase is in the $130 range, and I have not seen visa gift cards that go up to this amount.
Is it possible to load more money on the card? Are there any monthly fees? Can I use the money on the card and then be done with it?
I have no desire to keep an ongoing credit card or anything that has ongoing fees. I just have a few items online I would like to purchase before Christmas.
Thank you for your time and any advice you can give me. Have a wonderful day!
A. Visa gift cards are just gift cards that can be used anywhere that accepts Visa credit cards (yes, you can use them online.) They are NOT credit cards.
You will need to have $130 available in order to pay for $130 worth of Visa gift cards. So if you're only doing this specifically because you need to do online shopping with merchants that only take credit cards, then that's fine.
But if you're trying to use this as credit somehow because you don't have the $130, then no. That's not how it works.
No, you can't re-load the card with more money.
No, there are no monthly fees; it's not a membership to anything, it's just a gift card. The same as if you walked into Best Buy and bought a Best Buy gift card, except that it can be used anywhere.
Dude, just get a real credit card. A low-limit, no-fee card won't cost you anything if you spend money the same way you do now. I've had my card for almost 4 years now, and Visa has never made a single penny off me because I pay off my balance each billing cycle, so there are never interest charges. The advantage is that it builds your credit score a little bit so that you will have at least *some* credit developed once you graduate.
You will need to have $130 available in order to pay for $130 worth of Visa gift cards. So if you're only doing this specifically because you need to do online shopping with merchants that only take credit cards, then that's fine.
But if you're trying to use this as credit somehow because you don't have the $130, then no. That's not how it works.
No, you can't re-load the card with more money.
No, there are no monthly fees; it's not a membership to anything, it's just a gift card. The same as if you walked into Best Buy and bought a Best Buy gift card, except that it can be used anywhere.
Dude, just get a real credit card. A low-limit, no-fee card won't cost you anything if you spend money the same way you do now. I've had my card for almost 4 years now, and Visa has never made a single penny off me because I pay off my balance each billing cycle, so there are never interest charges. The advantage is that it builds your credit score a little bit so that you will have at least *some* credit developed once you graduate.
Powered by Yahoo! Answers
No comments:
Post a Comment