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Advanced Prepaid Credit Card Features

Technological advances have been made in prepaid credit cards which give them features not seen in traditional credit cards or ATM cards. In this article we will go over these advances, and how they make using prepaid credit cards easy and convenient.

Because prepaid credit cards do not come with a line of credit, customers can load money onto the card via ATMs or at online websites. From here money can be transferred to a paypal or checking account. Some services still allow people to write a check in order to have the funds loaded onto their cards.

More recent advances in this technology have allowed people with cell phones, laptops, or other wireless devices to receive payment alerts about transactions which have been completed. You can also keep track of your credit line using these devices.

When using a prepaid credit card you don’t have to balance it the way you would balance a checkbook. The balancing is done in real time and can be viewed via the internet or phone. This technology is allowing people to change the way they spend and manage money.

Many people are becoming aware of this technology since many employers are starting to use prepaid credit cards as an alternative to sending out standard checks. Once employers begin using prepaid credit cards to pay their employees they will save large amounts of money on check printing costs and other expenses.

People are beginning to see the benefits of electronically transferring and receiving funds. People will be able to avoid the high check cashing fees that for too long have been charged just to cash your own checks. Prepaid credit cards are changing the way that people conduct business.

Our society beginning advance closer to being cashless. There are both pros and cons to this that people need to be aware of. While using prepaid credit cards to make purchases and transfer money is convenient, cyber thieves are also anxious to begin defrauding and stealing money from people.

It is always best to use your prepaid debit card in safe locations, and keep track of all you transactions. If you see something on your account that looks strange or out of place, immediately report it. If your card is ever lost or stolen, cancel it as soon as possible.

No one wants to become the victim of fraud. Keep track of your expenses and if something looks suspicious, it probably is.

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A Real-Time Way To Avoid Identity Theft

As identity thieves become more of a threat to individuals and businesses, many people wish they had someone-or something-to watch over and guard their valuable financial information.

While most consumers can’t afford a financial bodyguard, many are taking advantage of a real-time identity management service that can potentially avert identity crimes.

I consider one service, Identity Sweep, developed with MyPublic Info ( and Affinion Group (www.affiniongroup .com), a leader in credit monitoring and identity theft, to be more proactive than any other. It may be the consumer’s best chance at avoiding identity-related criminal abuse. Identity Sweep protects consumer identities in three ways:

1. It includes a leading-edge identity fraud detection technology that scans billions of public records for suspicious activity associated with identity fraud, including attempts to create a synthetic identity. The service analyzes the suspicious activity to provide a risk score.

2. It searches Internet newsgroups, search engines, blogs and hundreds of thousands of chat rooms and Web sites looking for personal and financial information. It instantly notifies consumers by e-mail of any suspicious activity related to their personal information before the customer is victimized. This technology works faster than credit card and credit bureau monitoring services.

3. It scans online directories that list a consumer’s information and requests removal of that information to prevent abuse by telemarketers and identity thieves.