If you are travelling abroad or within your own country and need extra spending money, then you should consider getting a prepaid card.

When you have a lot to take care of before you travel, applying and waiting for approval for a regular credit card is one process that can take time and there is always the risk of the card not being ready in time for when you want to go away. A prepaid card does not require approval, as there is no risk to the credit card company so you will not need to wait for the company to approve you, or fill out needless paperwork. In a short time frame, you should receive your prepaid card. You will be able to get your prepaid credit card in time for your planned trip.

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If you are a student, then you will benefit greatly by getting a student credit card. You can use the student credit cards in any store that accepts regular credit cards, but you will usually fin that the interest rates and the fees for students are a lot less than regular credit cards.

Within your college, you will have a lot to pay for. If you have moved to student accommodation, then you will need to pay for items and services related to your living arrangements. This may be the first time that you have lived away from your family, so you will probably be learning about how to manage your personal finances. Having a student credit card will allow you to have access to money that you have not yet had a chance to save up, so that you will be able to live near to your college and study, whilst not needing vast amounts of money saved in the bank.

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There are some basic rules you can apply to make sure that you do not end up with an interesting credit card bill to pay when your security has been compromised on the internet. If you are a millionaire being stung for $23k to rent videos and download pay as you use web content, it will probably no more trouble you than having a fly in your car. But if you earn a modest income and every cent counts, this could be disastrous and risk your very well being, what can you do and what are the best strategies and tactics?

The first tactic is to divide your forces, what does this mean? Well, it’s simple – decide what you intend to pay for on the internet, for example occasional purchases from sites like Amazon for a birthday gift for a nephew or even books you want to get early warrant buying off the internet, check how much you spent last year and put that to one side. Let’s assume your annual spend was $200, next are you paying for utility bills on the internet, now this could cost more so you need to check your consumption and when the bills become due, ensure you have the necessary funds in your credit card account to pay the bill.

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