going to be getting a prepaid credit card.. i has questions if anyone done it before

• Username wrote on 2014-08-03 20:59

  Quote from Splatulated;1237058:

  can i even use my card as one ? it looks like this

  [Image: http://i.imgur.com/f586gHm.png]

  (stock image i found in google images but exact same as mine apart for the grey strip hiding the card numbers)

  
  
  You'd have to upgrade your card at your bank. I use CIBC so it can do that.
• Taycat wrote on 2014-08-03 21:47
  You could go to walmart and get one of their debit cards.
  Those ones are visa/mastercard (can't remember which)
• Splatulated wrote on 2014-08-03 22:01

  Quote from Taycat;1237077:

  You could go to walmart and get one of their debit cards.
  Those ones are visa/mastercard (can't remember which)

  
  
  i went and they told me they dont sell them
• Yoorah wrote on 2014-08-04 01:00
  The debit cards you can use online: Those are "Visa Debit" cards which are essentially debit cards with some Visa credit card features. Some banks in Canada offer them. I would not recommend using one online. I'd rather just use a credit card.
  
  To answer your question: Prepaid Visa cards are basically like gift cards. I don't think you get charged a tax, but you do get charged an activation fee. I bought a Visa prepaid card once and the activation fee was $4 for a $25 card, which is pretty nasty imo.
• Taycat wrote on 2014-08-04 01:02
  why can't you just purchase karma coin cards when you need NX?
• Aubog007 wrote on 2014-08-04 02:39

  Quote from Splatulated;1237045:

  how do i know they secure ?
  
  and if my paypal got hacked whiel waiting to be verified with out anyone knowing i was sign up for it how do i know my computer is safe ?

  
  
  Paypal should automatically lock out anytime an outside IP other than your own tries to access it. If it doesn't, PayPal is stupid then.
• Splatulated wrote on 2014-08-04 08:41

  Quote from Taycat;1237119:

  why can't you just purchase karma coin cards when you need NX?

  
  
  i do
  
  i cant purchase second life stuff or fun orb membership or other stuff that dont have their own prepaid cards
• Froglord of DESTINY!!! wrote on 2014-08-04 08:47

  Quote from Splatulated;1237199:

  i do
  
  i cant purchase second life stuff or fun orb membership or other stuff that dont have their own prepaid cards

  
  
  Splat, what you need is a visa/mastercard giftcard from any of your local grocery store, however the difference between that and an actual online debit or credit card is simple: Debt.
  
  When you start owing the bank cash, the government will step in, and when they see that you're using your government issued cheques for this purpose, you'll be in deep shit. Really deep shit.
  
  Bankruptcy will lead you to lose all of your possessions to make up whatever debt you owe the bank and/or government. Not only that, your guardians, such as your sister, mother, or whoever who looks after you will suffer as well. They may even lose their homes if you decide to go completely overboard. If they lose their homes, you will have no choice but to either go A: Homeless, or B: Take shelter at a government owned care facility where they lock you up like an animal.
  
  Play it safe, go to a store, buy a 25$ visa or mastercard, not vanilla though, they suck, or have your sister find you a refillable giftcard from a local bank.
• Splatulated wrote on 2014-08-04 09:50

  Quote from Froglord of DESTINY!!!;1237200:

  Splat, what you need is a visa/mastercard giftcard from any of your local grocery store, however the difference between that and an actual online debit or credit card is simple: Debt.
  
  When you start owing the bank cash, the government will step in, and when they see that you're using your government issued cheques for this purpose, you'll be in deep shit. Really deep shit.
  
  Bankruptcy will lead you to lose all of your possessions to make up whatever debt you owe the bank and/or government. Not only that, your guardians, such as your sister, mother, or whoever who looks after you will suffer as well. They may even lose their homes if you decide to go completely overboard. If they lose their homes, you will have no choice but to either go A: Homeless, or B: Take shelter at a government owned care facility where they lock you up like an animal.
  
  Play it safe, go to a store, buy a 25$ visa or mastercard, not vanilla though, they suck, or have your sister find you a refillable giftcard from a local bank.

  
  
  i dont want an actual credit card though .-.
  
  how would a prepaid card get me debt o.0 ?
  
  and i pay attention to how much i have I've only ever drained my bank to 0.00 once and it was boring for an entire month not being able to do fun stuff with anyone cuz i was broke
• Froglord of DESTINY!!! wrote on 2014-08-04 12:29

  Quote from Splatulated;1237215:

  i dont want an actual credit card though .-.
  
  how would a prepaid card get me debt o.0 ?
  
  and i pay attention to how much i have I've only ever drained my bank to 0.00 once and it was boring for an entire month not being able to do fun stuff with anyone cuz i was broke

  
  
  
  

  [Image: http://img1.wikia.nocookie.net/__cb20111028125014/vsrecommendedgames/images/thumb/7/74/Im-Just-Saiyan.jpg/263px-Im-Just-Saiyan.jpg]
• Username wrote on 2014-08-04 13:12

  Quote from Splatulated;1237215:

  i dont want an actual credit card though .-.
  
  how would a prepaid card get me debt o.0 ?
  
  and i pay attention to how much i have I've only ever drained my bank to 0.00 once and it was boring for an entire month not being able to do fun stuff with anyone cuz i was broke

  
  
  The point with getting money is that you are not meant to use it for Fun stuff. Money is for survival. Bills, Food, Electricity, Internet. Thats a responsibility, and you should be paying for what you use. Going into what Froglord said; You spend all your money on video games. When your sister or whoever your staying with gets in trouble with a money issue and you cant step in, its bad.
  
  IMO. Rechargeable Visa Giftcards at Canada Post imo is the way to go. Activation fee, monthly like 2-3$ a month. No way to screw yourself over with what money you don't have on the card. Unless you go to the bank and put on alot.
• Username wrote on 2014-08-04 13:12

  Quote from Splatulated;1237215:

  i dont want an actual credit card though .-.
  
  how would a prepaid card get me debt o.0 ?
  
  and i pay attention to how much i have I've only ever drained my bank to 0.00 once and it was boring for an entire month not being able to do fun stuff with anyone cuz i was broke

  
  
  The point with getting money is that you are not meant to use it for Fun stuff. Money is for survival. Bills, Food, Electricity, Internet. Thats a responsibility, and you should be paying for what you use. Going into what Froglord said; You spend all your money on video games. When your sister or whoever your staying with gets in trouble with a money issue and you cant step in, its bad.
  
  IMO. Rechargeable Visa Giftcards at Canada Post imo is the way to go. Activation fee, monthly like 2-3$ a month. No way to screw yourself over with what money you don't have on the card. Unless you go to the bank and put on alot.
• Splatulated wrote on 2014-08-04 13:34

  Quote from Username;1237228:

  The point with getting money is that you are not meant to use it for Fun stuff. Money is for survival. Bills, Food, Electricity, Internet. Thats a responsibility, and you should be paying for what you use. Going into what Froglord said; You spend all your money on video games. When your sister or whoever your staying with gets in trouble with a money issue and you cant step in, its bad.
  
  IMO. Rechargeable Visa Giftcards at Canada Post imo is the way to go. Activation fee, monthly like 2-3$ a month. No way to screw yourself over with what money you don't have on the card. Unless you go to the bank and put on alot.

  
  
  if its only meant for just bills
  
  why do they give me soo much that it covers half the monthly bills
  im allowed to have spending money and i save 1/3 of it and another 1/3 i use for doing stuff with my sister like going movies or buying food and last 1/3 i use on games
• Aubog007 wrote on 2014-08-04 14:47

  Quote from Splatulated;1237229:

  if its only meant for just bills
  
  why do they give me soo much that it covers half the monthly bills
  im allowed to have spending money and i save 1/3 of it and another 1/3 i use for doing stuff with my sister like going movies or buying food and last 1/3 i use on games

  
  
  Emergencies.
  
  I had social security paid to me for 2 years because of my mother passing away, it was designed to help aid in paying for school and other services until i graduated high school.
  
  I had a large excess of it after it stopped, and i pretty much gave it away.
• Aubog007 wrote on 2014-08-04 15:01

  Quote from Splatulated;1237229:

  if its only meant for just bills
  
  

  
  
  Emergencies and unexpected things.