Credit Cards

Wired Plastic Card Review

The prepaid credit card from Wired Plastic doesn’t require credit checks or proof of income, nor do customers need a bank account to qualify. The Card is accepted world-wide, wherever there is a Visa sign.

How it works

Cardholders load money onto their card at any one of Wired’s thousands of load locations. Customers can check online on their balance, pay their bills or set up email and mobile alerts for example, reminding them when to upload money or when to settle bills. The card can be used in store, wherever there is a Visa debit sign or online. Making a deposit is free of charge and customers can also earn rewards for using their card.

Online loading of the card can be done via Western Union, MoneyGram, PayPal or the Visa ReadyLink facility (costing $1 per loading), but there is also an online facility where cardholders can find the nearest loading location to their home by putting in their Zip code.

There are no overdraft fees, no bounced check fees and no cashing check fees and the live customer service facility offers around the clock support.

Rewards are earned for every $1 spent with the prepaid credit card, providing cardholders with 1 point per $1. These points can be redeemed for cellular minutes on prepaid mobile phones and Wired Plastic has a large number of prepaid mobile phone providers in their partnership program.

Keeping Control of Finances

Using a prepaid credit card gives cardholders greater control of their finances and offers greater fraud protection, as the provider allows customers to set up email and mobile alerts that inform customers of all daily activities on the prepaid credit card.

Other Features

Cardholders with a social conscience can even choose a prepaid credit card that donates money to charities like breast cancer research like the Pink Ribbon Wired Plastic Card for example. A percentage of a cardholder’s signature purchases will be automatically donated to a breast cancer charity.

A prepaid credit card like this one also allows cardholders to receive money as a direct deposit onto their card. No more standing in queues to cash checks or opening of bank accounts to wait for a deposit being made. A customer’s pay check or government assistance payment can be sent directly to the prepaid credit card free of charge, with the money being available straight away, unlike checks and traditional bank transfers, which take time to clear.

Fees

The fees are rather modest compared to some traditional credit cards and bank accounts. It costs $9.95 to activate the card, which is a one off payment, after which customers are charged $5.95 per month. Domestic signature transactions are free of charge, but for each PIN transaction at an ATM for example to withdraw money, customers must pay $1.95, with a $0.95 decline fee being charged if there are insufficient funds to complete the cash transaction.

Other PIN transactions, like in a store for example, are charged at $0.95 each.

Apply for the Wiredplastic card below. See also, Bad Credit Credit Cards and Prepaid Credit Cards.