Credit Card vs. Pre paid

Live forum: http://forum.freeipodguide.com/viewtopic.php?t=56721

LynxxQ

14-03-2007 11:17:35

Can you use pre paid cards to sign up for offers??

If so witch is better to use Credit or Pre paid..

stueybaby17

14-03-2007 11:19:13

Prepaid doesn't work for all offers.

manOFice

14-03-2007 11:33:19

some credit cards don't work either...hud homes says my credit card is invalid...little punks at hudhomes.

stueybaby17

14-03-2007 11:42:55

[quote717f1750de="O4F-Manofice"]some credit cards don't work either...hud homes says my credit card is invalid...little punks at hudhomes.[/quote717f1750de]

Yeah I've been having that problem with all the bargain network offers exept for maybe 2 of them.

Jenncherry99

14-03-2007 12:09:01

[quote0ff36eda88="O4F-Manofice"]some credit cards don't work either...hud homes says my credit card is invalid...little punks at hudhomes.[/quote0ff36eda88]

I can't even get huddhomes to work...it always times out and tells me the page is unavailable

bruman

14-03-2007 12:13:39

Can the companies tell if it's prepaid or not?

Pre-paid failures may be due to lack of funds. Many offers charge a temporary monthly fee to check if you have enough funds. I know true.com does this. It is a 7-day trial but they charge $50 on your card, and a couple days later it's gone.

dmorris68

14-03-2007 12:49:49

[quote906b7604bb="bruman"]Can the companies tell if it's prepaid or not?

Pre-paid failures may be due to lack of funds. Many offers charge a temporary monthly fee to check if you have enough funds. I know true.com does this. It is a 7-day trial but they charge $50 on your card, and a couple days later it's gone.[/quote906b7604bb]
It's called a pre-authorization, it's not actually a charge, i.e. it doesn't increase your account balance but it DOES reduce your available funds/credit until the auth expires, which can take from a couple days to a couple weeks.

Lots of the opt-out subscription type sites will do this.

LynxxQ

14-03-2007 13:02:18

OK then what about Debit, is that recommended

manOFice

14-03-2007 13:09:43

[quote40b2011f2c="LynxxQ"]OK then what about Debit, is that recommended[/quote40b2011f2c]

no...most people will say use prepaid cards...i always just use my credit card though.

FreeOffersNow

14-03-2007 13:44:35

Pre-paid cards, when accepted, offer you some protection against fraudulent/unauthorized charges in that the damage you suffer is generally limited to your available balance. Most credit cards have 0% fraud liability, though...and (at least my Citi cards have) virtual account numbers. I use mine, and in 2+ years I've had very few problems (all were resolved either through the offer company or my credit card companys' resolution units). I wouldn't recommend using a debit card as this is a direct link to your bank account, and most banks offer very little protection against fraudulent/unauthorized charges.

Just be sure to keep track of what offers you're signing up for, and Google around for some background information on offers that seem iffy.

manOFice

14-03-2007 14:23:43

The FON has spoken