Today, only a few prepaid card issuers don’t require a SSN for activation, requiring instead an alternate form of identification — such as an Individual Taxpayer Identification Number, or ITIN, or other foreign ID number. For the most part, though, you will have to prove your identity in some way to get a card.
How do I get a Visa prepaid card?
It’s easy to get a Visa Prepaid card. You can visit our card finder page to find a Visa Prepaid card online from one of our providers. Or you can pick up a Visa Prepaid card in person from one of the thousands of retail locations or bank branches that offer Visa Prepaid cards. Simply use the Visa Prepaid card locator tool to search ...
Can you get a pre-paid card without any personal information?
Prepaid cards are actually more akin to gift cards and debit cards than anything, and you can read more about them in our latest Prepaid Card Report. But to address the original question, you can technically get a prepaid card without providing any personal information, but it won’t do much for you.
What should I look for when buying a prepaid card?
Consider how you will use the card and look at the fees that you will pay for those uses. When you buy the card, you pay the initial amount that you want to load onto the card, often termed the “initial load”, plus the cost of the card. There are many types of prepaid cards.
Do you need an ID to activate a prepaid debit card?
Prepaid debit card issuers are required by law to collect a government-issued identification number from anyone who attempts to activate a card. There is no way around this formality, and you should anticipate needing to provide an identification number of some sort when you create your card account.
Do you need to be 18 to buy a prepaid Visa?
Individuals cannot purchase a prepaid credit card until they reach the age of 18.
What do you need to get a prepaid card?
You don't need a bank account to get a prepaid debit card, but it's a requirement for a regular debit card, which is linked to your checking account. For prepaid debit cards, you load the card with money when you get it, then use it to make purchases.
Can a minor buy a prepaid Visa card?
Most prepaid cards are available to people who are 18 years old or older. However, there is a way around this if you would like your minor child to get a prepaid debit card. Many prepaid cards allow children 13 and older to be added as authorized users on the account.
Can you get a prepaid card without your name on it?
But to address the original question, you can technically get a prepaid card without providing any personal information, but it won't do much for you. Prepaid cards are available online and at retail locations, and buying one is anonymous when you go the latter route.
How do you buy a prepaid Visa card?
You can buy prepaid cards at retail locations (such as grocery stores and drug stores), online, over the phone, or from some banks and credit unions. If you buy the card online, you may then be issued a virtual card, or you may receive a physical card in the mail at a later time.
Can I buy a $1000 Visa gift card?
Buy a Visa Gift Card for $10, $100, $500, $1000, or any amount in between. Two ways to order Star One Visa Gift Cards: In Online Banking (in the "Forms" menu)—a Star One representative will contact you after receipt of your order to arrange a pick-up time at your chosen Star One branch.
What prepaid card can you get at 16?
Visa Buxx is a prepaid, reloadable Visa card created especially for teens. Visa Buxx makes it easy for parents to teach teens how to create a budget, manage money, and shop wisely. The card can be used everywhere that accepts Visa debit cards - that's millions of locations worldwide.
Can a 15 year old use a Visa Gift Card?
1. Visa or Mastercard Gift Cards. Since these gift cards can be used wherever Visa or Mastercard are accepted, teens can use them to buy gas, school lunches, after-school snacks, movie tickets, a smoothie during break-time and more.
How old do you have to be to buy a Visa card?
18 years oldYou'll need to be at least 18 years old to sign a credit card contract; however, since the Credit Card Accountability Responsibility and Disclosure Act of 2009, getting an unsecured credit card before you turn 21 isn't easy. You'll need to show proof that you have a steady source of income to qualify.
Can prepaid visas be tracked?
A) Yes, they do keep track of purchases. Almost all prepaid gift cards require some form of registration where they collect different data about you: name, address, zip code, phone number, etc.
Are prepaid cards traceable?
Can Prepaid Gift Cards Be Traced? The ability to trace a prepaid card transaction often depends on whether or not the cardholder provided their personal information, though separate purchases with the same card can be easily tied together.
Are prepaid gift cards traceable?
In general, it is very difficult for gift cards to be traced. A main component of gift cards is that they are not attached to an individual or an account, so there is no personal information linked to them. Even if you use a credit card to purchase the gift card, this does not mean that the stolen funds can be traced.
How much does a prepaid card cost?
Most prepaid cards charge monthly maintenance fees around $10, which is similar to checking account fees that can cost up to $15 a month. But you may also pay a fee to open your prepaid card, typically around $5. You can also expect to incur an ATM fee, reload fee and foreign transaction fee with many prepaid cards.
How much is a prepaid Walmart card?
No monthly fee Otherwise, $5.94 a month. See terms for details.
How do you put money on a prepaid card?
You may be able to:Arrange for a paycheck or other regular payment to be directly deposited onto the card.Transfer money from a checking account or another prepaid card.Buy a “reload pack” to add a certain amount to your card.Add funds at certain retail locations or at the financial institution that provides the card.
How much money can you put on a prepaid Visa card?
Most Visa prepaid card options will allow you to load up to $15,000 into the card account. If you're accessing a reloadable prepaid card, you can continue to add money to your account when you spend some of your current balance. In either scenario, though, you cannot surpass the $15,000 account balance limit.
Reloadable Visa Prepaid Cards
The all-purpose Visa Prepaid card is a reloadable card you can use in-person and online to:
Choose a card to fit your needs
Pay quickly and conveniently online and in stores — plus get your payday funds faster with direct deposit.
Visa Payroll and Healthcare cards
Your employer may offer you a payroll or healthcare prepaid card so you can manage your payday funds more easily — and enjoy many of the advantages of Visa.
Additional Resources
Get your Child Tax Credit payment fast when it’s directly deposited to a Visa Prepaid card.
What is a prepaid card?
A prepaid card — or reloadable card — allows you to store money through a form of bank account and use that money to make purchases. Every time you make a purchase using your card, the purchase amount is automatically deducted from that bank account. There is no line of credit attached to this card.
What is the Difference Between a Prepaid Card and a Credit Card?
A prepaid card is similar to a bank-issued debit card to which you make a deposit that you use to pay for things, whereas a credit card allows the cardholder to borrow funds with which to pay for goods and services.
How Can I Activate My Prepaid Card Without a SSN?
But you may have issues activating your card if you cannot — or will not — provide your Social Security number to the card company.
Do Prepaid Cards Help You Build Credit?
A reloadable prepaid card does not help you build credit. These cards attach to a savings account and only allow you to spend up to the amount of money you have deposited into the account.
Can a Non-U.S. Citizen Get a Prepaid Card?
Most prepaid card issuers provide ways for noncitizens to acquire a prepaid card by using their National Identification Number. A noncitizen can also apply for an Individual Taxpayer Identification Number (or ITIN) that will work to activate a prepaid debit card.
Who Can Legally Ask for Your SSN?
Federal law mandates that state departments of motor vehicles, tax authorities, welfare offices, and other governmental agencies request your Social Security number as proof that you are who you claim to be.
What Can I Do If I Don’t Have a SSN?
Although most banks and prepaid card issuers prefer that you provide your Social Security number when you activate your account, they understand that an applicant may not always have one.
Why do people use prepaid cards?
some people use prepaid cards to manage their money without going into debt (i.e. one card for spending money, another card for bills, etc.)
What happens if you put a credit card in an ATM?
If you put a credit card into an ATM machine you should/will get a warning that because it is a credit card you will be charged a fee or interest or both.
How much is American Express Serve?
For example, American Express Serve is only $1 a month (or free in some states), while my checking account has a $5 a month fee unless I meet certain requirements. I have a prepaid Discover card for $2.95 a month, which is also cheaper than the $5 a month fee a checking account charges.
Do banks need ID cards?
Now that you know what KYC and AML regulations are, it becomes easier to understand the need for ID cards by banks. Banks have to comply with the regulations put by the regulatory authorities and thus require ID for prepaid cards and cash deposits.
Do prepaid cards need to be approved?
Prepaid cards must be electronically authorized before use and transactions are only approved when funds are available, which prevents overdrafts. This allows banks to issue them to people with little or no financial experience without much risk.
Do you have to show your ID to be a KYC?
It's nothing special about you, there are some laws like Anti Money Laundering (AML) and banking regulations like Know Your Customer (KYC) that require you to show your ID (and other additional documents, it all depends on what you're doing) in order to verify you and your credentials.
Can I purchase a prepaid debit card from a grocery store?
However, your question suggests a limitation that generally does not exist for the initial purchase of most prepaid debit cards . You should be able to purchase a general purpose reloadable (GPR) prepaid debit card from just about any major grocery store, convenience store or drug store (and many other retailers) without having to produce anything more than the cash to pay the card activation fee (probably around $4.95) and to add funds for your niece to use. The card you purchase
How to get a Visa prepaid card?
Step 1: Activate and load. Getting started with your Visa Prepaid card is easy. All you need to do is: Activate it online or by phone. Load it online or in-person. Set up direct deposit. Watch video.
How to load money into a Visa Prepaid card?
The best option is to direct deposit all or some of your paycheck, government checks or even your tax refund directly to your Visa Prepaid card. You may also be able to load cash at ATMs, bank branches, and retail locations, or add money from checks by using the mobile check deposit feature on your card issuer’s mobile app. Check with your card issuer to confirm which of these features are offered.
What is an all purpose prepaid card?
The all-purpose Visa Prepaid card is a reloadable prepaid card that you can use to withdraw cash, pay bills, or make purchases at participating retailers and service providers, in-person or online. You can fund the reloadable Visa Prepaid card through a variety of ways, such as through direct deposit or with cash at a participating retail location.
What is a reloadable Visa card?
A reloadable Visa Prepaid card is the quick, easy and secure way to pay online or in person. The all-purpose Visa Prepaid card is a prepaid card that you can use to withdraw cash, pay bills or make purchases anywhere Visa Debit cards are accepted, in-person or online.
What is the difference between a prepaid card and a credit card?
credit cards: When you use a credit card you are borrowing money and building up a balance of debt you owe. With prepaid cards, you’re spending money that has already been loaded onto the card. Unlike credit cards, prepaid cards don’t incur interest charges and don’t require a credit check to obtain.
Does Visa have zero liability?
Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use and for additional details.
Can you spend more money on a prepaid card?
Then each purchase you make is deducted from that balance. In most cases, you can’t spend more money than you have already loaded onto your prepaid card. Overspending or overdrafts can occur in some cases where a prepaid card may be linked with a checking.
Survey Rant Megathread
Are you getting rejected at the end of your surveys? Did your "10 minute" survey take 45 minutes? Is YourSurveys rejecting you and lowering your score for no reason? Did QuickThoughts ban you? Do you just hate surveys? Or perhaps you are having another problem?
Has anyone actually used Facebook Viewpoints?
I keep getting ads for it, and frankly I don't want to give them more data than I already do, but hey, beer money is beer money.
Loot.tv - Get paid to watch videos
Loot.tv is a site that pays you to watch videos passively and complete various offers. They are most well known for their lootably offer wall which you can find on various GPT sites, but you can complete lootably offers and watch videos directly on their site.
The Grind Don't Stop On GG2U & SurveyJunkie!!!
So I've managed to grind up $391.98 in less than 4 months between these two sites GG2U being the main bread winner with $240.50 and SurveyJunkie while not as good has paid me quite well coming out with a $151.48 and here's my proof https://imgur.com/a/JNxPMes
Old Orchard Fan Club - Get enough points for a free bottle of juice on your birthday
Old Orchard Fan club is a loyalty program. Unlike other similar programs, you do not need to purchase anything to earn points. You get 1,000 points just for signing up. They also have a few games you can play, and you can get points for uploading recipes.
When will prepaid cards be required to be disclosed?
The Bureau’s rule requiring these fee disclosures came into effect April 1, 2019, although it may take some time before you start seeing the required disclosures on card packages in retail stores due to phase-in rules. ...
What is prepaid card?
Prepaid cards that feature a network brand (like Visa, MasterCard, American Express, or Discover) can be used at any location that accepts that network brand. Other types of cards are good only at a specific store or group of stores, or on your public transportation system.
Can I share my PII with my employer?
Yes. No. Additional comment (optional) Please do not share any personally identifiable information (PII), including, but not limited to: your name, address, phone number, email address, Social Security number, account information, or any other information of a sensitive nature.
Do you have to pay for a prepaid card online?
When you buy a prepaid card, you’ll have to pay the initial amount that you want to load onto the card, often termed the “initial load”, plus the cost of the card. Some cards require a minimum initial load.
Which credit cards can be used anywhere?
Visa, MasterCard, Discover, and American Express offer gift cards that can be used anywhere those card networks are accepted. In addition, prepaid cards tend to have more fees associated with them, so getting one as a present or for short-term use would likely be a waste of money.
What is an anonymous prepaid card?
In other words, an anonymous prepaid card is basically a fancy gift card. And if you want a gift card, you should just get a gift card – not a prepaid card. Not all gift cards restrict use to a single retail chain, after all. Visa, MasterCard, Discover, and American Express offer gift cards that can be used anywhere those card networks are accepted.
Is a prepaid card a credit card?
For starters, it’s important to note that a prepaid card isn’t a type of credit card. Prepaid cards are actually more akin to gift cards and debit cards than anything, and you can read more about them in our latest Prepaid Card Report.
Can you buy a prepaid card anonymously?
Prepaid cards are available online and at retail locations, and buying one is anonymous when you go the latter route. However, while you’ll be able to load funds to a prepaid card obtained in store at the time you get it, you won’t be able to anonymously reload it for recurring use.
Do you have to reveal your identity to use a prepaid card?
If you want to take advantage of the many perks of using a prepaid card or a credit card , then you’ll just have to reveal your identity. Unfortunately, there are no creative workarounds or silver bullets here.
How to get a debit card without parents knowing?
The only way you can get a debit card of your own without your parents knowing is if you have a savings account of your own. As you are 16 years of age, you are allowed to have a Savings Account without involvement of your legal guardian. However you haven't mentioned from where will you have money to put into this account to fund your use of debit card. Either you are already doing some kind of work that pays you some money, or you get some kind of pocket money from your parents. For lack of information, I'm assuming it is savings from your pocket money which you can deposit in your Savings account.
How to get a credit card at 18?
To do it on your own you must wait until you are 18. Once you turn 18 check around for the bank that best works for you - you will need a no fee debit card and free checking. You may not need to write many actual paper checks, but there are still times when that can be useful. Understand what fees if any you need to pay and how you can keep that to a minimum. After you have been employed for a year at the same job, you can start looking for a credit card. Beware of cards that charge you a fee just to have a card - the charges keep you making payments just to keep the card. There are still some
Do you have to show ID to buy a prepaid card at Walmart?
There are prepaid MasterCard and Visa cards at Walmart and other stores. You do not have to show ID to buy them and load them with cash. But there is an online registration process. You fill in your own information, name, birthdate, and street address. Since you already bought the card in the store and put money on it, you can't be rejected. But if it says you need to be 18 or over, you will have to change the birth year. Capisce? But these cards don't have your name printed on them. However, when you make an online purchase, the merchant will verify your name and billing address to see that i
Is Pay Pal a credit card?
Many use “PayPal” which is not a Credit Card but a money exchange system and uses hard cash at certain outlets like news agents etc. Pay Pal is neither a debit or credit card, it a cash exchange -v- purchase and one doesn’t pass to the other until the goods are exchanged through a warehouse system (or at least that it how it is been described to me.
Is a debit card the same as a credit card?
I hope you do understand that a debit card needs prior funds in your account and is NOT the same as a credit card which doesn't needs prior linked funds. If you need to understand the difference between these two, a reasonably good explanation can be found at Debit Card vs Credit Card - Difference and Comparison. In case you were hoping for a credit card, let me add that you can not have one without one of your other eligible earning parent co-signing for it.
Do you have to have ideas before you can dream of making money?
You have to have ideas before you can dream of making money. It takes time to develop skills to make products that people will buy.
Is a pre-paid card a debit card?
I think that pre-paid cards are treated as debit cards, so still come under (in the UK) The Consumer Credit Act 1974 even if they are pre-paid so in effect the are potentially a Credit/Debit Card. The problem (like much of English law. The Consumer Credit Act 1974 is hopelessly out of date and is beyond amendment, needs to be completely re-drafted. In fact is was already out of date before it became full enacted in 1985. So well over due not just for an update, but as above a complete redrafting from scratch.
What stores sell Visa gift cards?
Some popular merchants include: Transit companies, such as Greyhound; Banks, such as Wells Fargo; Grocery stores, such as Safeway; General retailers, such as Target, Kmart and Walmart; Specialty stores, such as Office Depot and Nordstrom. ...
How to check my Visa gift card balance?
Track your Visa gift card's remaining balance by calling the phone number or visiting the website listed on the back of the card.
How old do you have to be to get a debit card?
No, you must be 18 or older to get one. Debit cards may work if you are fourteen, but the money is usually transferred from your parents' bank account.
Can a Visa gift card be used as a line of credit?
Your Visa gift card allows access to the prepaid funds only and does not represent a line of credit. Because of this, attempts to authorize more than the card's remaining balance will be denied. This can cause problems at merchants, such as gas stations, which may authorize more than the actual purchase being made.
Do Visa gift cards affect credit?
Most Visa gift cards work exactly like a prepaid Visa debit or credit card, except that Visa gift cards don't affect your credit score and cannot be reloaded with more money later on.
Does AT&T apply gift card balance to purchase?
Some merchants, such as AT&T, Gamestop and Gap can automatically apply your remaining gift card balance to your purchase, even if it doesn't cover the entire cost. The merchant will then prompt you to provide additional payment. At merchants without this capability, you'll have to know your gift card balance so you can tell the merchant how much to apply to the gift card, and then provide payment for the rest.
Do you put your name on a credit card?
Write your own name. It says cardholder on the card but you put your own name/parent's name if you’re a minor.