If you usually try to stick to using your debitcard, you may wonder why anyone would use prepaid cards.  What is the difference between the two cards?

First, let's look at the debit card.  In order to have a debit card, you need abank account.  Your debit card often hasa credit logo on it so you can take advantage of making purchases withouthaving to deal with the interest charged on the credit card account.  Debit cards are accepted in most placesbecause of the credit logo.

The prepaid cardor works in adifferent manner.  First, you have to putmoney on the card.  You can make anInternet payment to your prepaid account or you can go to many stores that cantake care of this for you as well.  Someprepaid cards can be reloaded over the phone too. 

As a credit card, you are not held responsible forfraudulent charges made to your account over an initial fifty dollars asrequired by law.  You can earn rewardpoints for making purchases with your prepaid credit card.  Some prepaid card companies offer air milesfor your transactions.  If you use thecard regularly, this can add up quickly. Others allow you to use the reward points to buy things from theircatalog of merchandise. 

A few prepaid credit card companies even offer acash back program for your purchases. The more you spend, the more you make. If you use your debit card because you want to avoid overspending,consider using .  You have the protection of acredit card and you can earn rewards as well. Another reason to consider the prepaid card is that the company willreport your charges to the credit bureau and you can build your credithistory. 

With technology today, you can quickly and easilyadd more funds to the prepaid card.  Thekey is to find the right prepaid credit card company and you can take advantageof all the benefits.