Prepaid Marketing for Online Success

The Kalixa Prepaid MasterCard is available absolutely FREE to Prepaid365 Customers as part of Kalixa’s 3rd year anniversary celebrations. All customers applying for a Kalixa card between 1st Feb, 2012 and 14th Feb, 2012 can get the Kalixa prepaid MasterCard absolutely free when making their first deposit of £50 or more. It’s another excellent offer from the team at Kalixa following on from the Disney Promotion last Christmas.

To avail this offer, simply visit the Kalixa Prepaid Card website and apply for a Kalixa card and the usual £4.95 card fee will be waived when making an initial load of £50. With thousands of new customers signing up each week, Kalixa is well established in the United Kingdom, Germany and Italy, and is on track to expand into Spain and the Netherlands within the next two months.

“We’re really pleased that Kalixa is becoming more and more popular every day,” says Suresh Vaghjiani, Head of Product Management at Kalixa’s issuing bank, Vincento Payment Solutions. “We’ve worked hard over the past three years to improve the features of the card, and we’ve spent a lot of time optimising our fees. The positive feedback we’re continually receiving proves we’re on the right track.”

Get your Kalixa card today – Visit the Kalixa Website.

Source: http://www.prepaid365.com/buzz/2012/02/free-kalixa-card-limited-time-only

Not getting approval for a new credit card can be put down to a number of factors. The main factor amongst those suffering from a poor credit rating as a result of CCJ’s, debt’s or a poor credit score. In the western world, it is almost impossible to look beyond credit rating as mechanism of determining a persons ability to repay credit and due to this, an individual applying for credit will have a hard time applying for a new account because past records will prove that the individual is incapable of fulfilling his obligations.

Plastic is King

Not getting a credit card makes it extremely difficult for the person as it is often repeated that in this generation, plastic rules the universe and you are hamstrung if you have no access to plastic. This is an unfortunate truism of the modern world. That’s where credit credit for bad credit come in to the equation.

Banks, Prepaid Cards and Bad Credit Options

One of the good things about some banks is that they allow customers the ability to improve their credit history and amend previous bad credit reputation by allowing these individuals to access to certain types of credit cards that come with a low or limited credit limit. Through this, the bank can monitor if the account holder is being responsible when it comes to payments or not and can use this as an indicator of potential future performance of that individual in fulfilling their obligations. These credit cards for bad credit offer the customers a chance to re-establish and revamp their credit records and build a good credit history.

There are a lot banks that offer credit credit for bad credit so the account holder will be able to start to rebuild his credit standing. Banks such as HSBC and Vanquis especially cater to people with bad credit.

Visa and MasterCard also provide cards that cater to people in the same predicament. There are a number of prepaid cards providers who provide prepaid credit cards in the UK market which help cater to this segment and help them improve their credit rating using tools such as Creditbuilder, Credit booster, Budget master, etc. Prepaid cards usually come without any interest and there is no credit actually provided on the cards but the providers offer options by which they can help improve ones rating. Cashplus, First Premier, ClearCash and Kalixa are some of the prepaid options available to consumers as a prepaid MasterCard that can help improve credit history.

Dealing with Financial Crisis

There are a number of ways that should be used to prevent another financial crisis from bad credit that a consumer already finds themselves in and the most important thing is to never miss deadlines when it comes to paying debts and to make sure that the balance will all be settled within the month. Credit cards for bad credit are designed by companies to give consumers the opportunity to gain back or rebuild their good credit standing and not to give these people another chance to irresponsibly pile up unpaid debt again.

In this modern age, where money is primarily used in the form of plastic, it’s actually a good thing that people still have the chance to redeem themselves when it comes to improving their credit score and rating. With services like Experian, Equifax, etc it is now possible for individuals who are financially underserved to review their current standing with lenders and improve their creditability using bad credit credit cards and prepaid cards for the un-banked. There are even prepaid cards basic banking accounts offered by some providers.

The key undoubtedly is to ensure that individuals use the opportunity provided by these prepaid cards and adverse credit credit cards wisely and do not fall into irresponsible spending again.

Compare and review prepaid cards and anonymous prepaid cards & the benefits of prepaid cards for the unbanked and bad credit credit cards at Prepaid365.

Source: http://www.prepaid365.com/buzz/2011/11/credit-cards-for-bad-credit-overcoming-credit-rating-issues/

23.11.11 – The T24 Black Prepaid VISA card was reviewed and launched on Prepaid365 earlier today. The T24 Black prepaid card is the undoubted “Daddy” prepaid card amongst prepaid cards targeted at the affluent worldwide traveller and the discerning user. A truly mind boggling USD 50,000 load limit make this the ultimate high end credit card alternative without credit. The T24 Black prepaid credit card comes with complementary Priority Pass Membership with access to business facilities and refreshments at over 600 Airport Lounges as well as premium travel insurance, giving you ease of mind and a comfortable trip every time.

The top 5 reasons for getting the T24 Black prepaid VISA card (or “BIG DADDY” card) would be as follows

• USD 50,000 Card Balance Limit - As a frequent global traveller, it just does not get better than this. The T24 Black prepaid VISA card is for those who like to travel in style.
• Complimentary Priority Pass Access – Priority Pass Access comes as standard with the T24 Black prepaid card which provides access to 600 Airport Lounges worldwide, with business facilities, refreshments and a whole lot more..
• Complimentary Premium Worldwide Travel Insurance –Did someone say Travel insurance? This power prepaid card comes with free premium worldwide travel insurance and medical benefits as standard.
• ZERO Transaction Fees – Yup – there are no transaction fees on the T24 Dollar Prepaid Card. So use in a USD region with zero transaction fees at retail.
• No Credit Checks – Even with the enhanced card balance limit of USD 50,000, the T24 Black prepaid VISA card is a prepaid card and that means no credit checks or bank accounts are necessary and there is guaranteed acceptance subject to identity & residency checks..

Read the T24 Black Prepaid Card review and find out more about the powerful concoction that provides privilege, discretion and affluence.

You can buy the T24 Black prepaid card at https://www.t24blackcard.com/

Source: http://www.prepaid365.com/buzz/2011/11/launch-alert-t24-black-prepaid-visa-card/

The MeCard Prepaid MasterCard was reviewed and launched on Prepaid365 earlier today. The MeCard MasterCard prepaid card is perfect for families with teenagers (13-17). MeCard is safe, secure, and easy to use. Online accounts link the parent card to teen card, enabling the parent to share money in the form of pocket money or gifts, at the click of a button. Parents can view balance of teen cards and top-up money if it’s running low. Money can be loaded to parent card by BACS, DD, in post office or paypoint. Parent cards are FREE and each teen cards cost £9.99 but comes pre-loaded with £10 to spend ANYWHERE. There is currently a special offer available to Prepaid365 Customers for a limited time period as you can get the Parent Card for Free along with a FREE £10.00 load on all teen cards requested as well.

The top 5 reasons for getting a MeCard prepaid card would be as follows

• FREE, FREE, FREE – With a free Parent Card and a £10.00 free load on the teenager card – the MeCard team are effectively giving you the two card pack free along with a pretty penny on top. Did we mention FREE?
• Zero UK Transaction fees – Retail transactions in the UK and anywhere in the world are absolutely free. Foreign retail transactions to get charged an FX fee but no retail usage fee.
• Low ATM Fee – Unlike numerous other prepaid cards, the ATM withdrawal fee on the MeCard prepaid card is also quite low at £0.75. Bargain when compared with other Pay as you go prepaid cards.
• Great for Sharing – This is the cool bit about the MeCard prepaid card. You can share money between the Parent Card and the tenn/young adult card at the click of a few buttons. Transferring money from one card to the other is quick, easy and convenient as 1-2-3!
• Backed by Payment Card Technologies – The MeCard prepaid card is bought to you by the team at PCT, a multiple award winning prepaid card provider.

Read the MeCard Prepaid Card review and find out more about the benefits of this exceptional new youth prepaid card. Get the essence of youth with the snazzy and funky MeCard Prepaid Card.

You can buy the MeCard Prepaid MasterCard at http://www.mecard.co.uk

Source: http://www.prepaid365.com/buzz/2011/11/mecard-prepaid-mastercard-reviewed-on-prepaid365/

Travel Money Cards are fast becoming the most popular way of carrying holiday money safely and securely whilst providing all the benefits that one would expect from using money on a plastic card. However, even though prepaid cards are excellent for travel abroad, there are a few things that you should be aware of when using prepaid travel money cards abroad.

1. Choose the Currency Card that suits your needs – Some prepaid currency cards come with free ATM and others have a better exchange rates. Choose the currency card which suits your needs best. Free ATM is useful if you are going on a long trip but on a short trip, you may actually be better off with a travel money card which gives you a better FX rate.
2. Load your card when you get the best FX Rate – Currency rates fluctuate daily. You should load your currency card when the rate suits you best to make sure you get the maximum spend money for your travels at the best exchange rate. Read the rest of this entry »

As Brits grow more adventurous and travel beyond the America’s and Europe, the market for Sterling prepaid cards has also started growing in popularity as well. Sterling currency cards are prepaid currency cards on which the main transactional currency is GBP Sterling.

UK Currency cards are generally available in Euro, Dollar and Sterling although some providers now provide travel money cards in South African Rand and Australian Dollars as well. It is usually ideal to purchase a travel card in the currency of your travel destination but if you are unable to find a card that matches your travel destinations transactional currency, it is best to get a sterling prepaid currency card.

Why Get a Sterling Prepaid Card

Overseas fraud cost Brits over £122.7m in card fraud losses according to APACS figures in 2009 and hence, getting a prepaid card for overseas travel is highly recommended. However, if you are travelling outside of Euro or USD region or if you are planning to travel to a Read the rest of this entry »

The face of the money transfer market is rapidly evolving. Traditional channels are being quickly replaced by quicker, cheaper and more efficient channels which are revolutionising the way we send money elsewhere in the world today.

No longer do customers have to spend on expensive wire transfer and get short changed on currency conversions when transferring money outside the United Kingdom. This is possible with Money Transfer Cards. These money transfer cards are essentially prepaid credit cards that you can purchase and provide you with great alternatives to wire transfer and other models of money transfers. The simplicity of the entire process of sending money is so convenient for everyone who needs to send money to anyone across the globe. If you have family members travelling overseas or living overseas, using such Money Transfer cards makes it extremely easy for you to share travel money or remit money to them as additional funds for their everyday use. Read the rest of this entry »

New Prepaid MasterCard Launched: Payment Card Technologies (PCT) has today kicked off the brand new England Rugby travel card.  Designed to appeal to England Rugby fans throughout the country, this superb new card gives fans the opportunity to show their support for the game by using it to buy match tickets, flights and transport to games and for spending any time, anywhere from a pint in the local to a road trip after the games in Auckland. Read the rest of this entry »

Prepaid365, the UK’s leading Prepaid Card comparison site, has reviewed and launched the Orange Cash prepaid card in its comparison channels. The UK’s first major contactless prepaid MasterCard; the Orange Cash prepaid card comes packed with goodies that are distinctly “Orange” and rewards customers for spending.

Top 5 features of card are:

• Contactless Prepaid Card
• Orange Rewards Customers for spending.
• Various Reload Options
• SMS Card Account Management
• ZERO Transaction Fees & Monthly Fees

Find out more about the amazing Orange Prepaid MasterCard and read the Orange Cash Review at Prepaid365.

The Kalixa Prepaid Card team recently introduced Ukash as its new payment partner, thereby enabling Kalixa Prepaid MasterCard cardholders to make safe and instant deposits into their Kalixa eAccount.

What this effectively means for Kalixa cardholders is that they now have the opportunity to top up their prepaid MasterCard® by simply purchasing a Ukash voucher, which can be done with cash at local Ukash agents, wherever a PayPoint, Payzone or epay logo is displayed. Ukash is available from hundreds of thousands of global locations, such as shops, kiosks, petrol stations or at post offices. During a trial period until the 31st of July 2011, Kalixa is offering cardholders the opportunity to try Ukash for free. Read the rest of this entry »

Scenario: So an unsuspecting mother uses her Barclays debit card to buy her 11 year old son an Xbox Live membership and then receives a “nasty shock” upon discovering that aforementioned 11 year old spent over £1000 buying virtual goods over a 6 month period.

Cue: Mother decides the fault probably lies with Barclays and Microsoft Xbox as opposed to self and boy and they should be liable in some way and hence, will be contacting a solicitor.

Source: My son racked up £1k bill on Xbox

Analysis: After the cursory chuckle (which could last a few hours), it would be interesting to see if they actually get some financial relief as I would definitely be willing to go down the same route. There have been recent instances about consumers complaining about in game purchases with iTunes Apps where someone has purchased a kiddie game and not realised that in game purchases would not require a password if they had entered their password in the last 15 minutes for any reason whatsoever. Perfect scenario for the control features of youth prepaid credit cards perhaps? Read the rest of this entry »

Prepaid Cards for Teenagers Driving Youth Payments : You can teach your children responsible financial management without actually having the need to let them handle cash.  Just as it could be risky for you to be carrying large amounts of money while you shop, it would probably be doubly risky for your kids.

By giving your kids their own prepaid cards, you can actually teach your kids how to monitor and spend their money wisely without these risks.  You can also put restrictions on your child’s prepaid card so that he cannot use it on unnecessary spending like online gaming.

Prepaid cards for kids emphasize the importance of budgeting and of spending only money that you have instead of borrowing to purchase the things you want but not necessarily need.  Unlike credit cards, you do not face the risk of your children spending more money than you are ready to spend.  They are limited by the amount of money that you load their prepaid cards with.  These prepaid cards for teenagers could also be used as gifts so your children or whoever else you gift with it the chance to purchase what they really want.  Unlike gift cards, you can load cash into these prepaid cards anytime. There are in fact a number of free prepaid cards for kids as the market for prepaid credit cards continues to grow. Read the rest of this entry »

Highlight: Prepaid Currency Card provider FairFx launches FairPay Online international money transfer

High tech foreign currency business FairFX.com has today launched an innovative online service for international money transfers and foreign currency transactions.

FairPay offers a fully automated online money transfer solution for the general public, at business level exchange rates and no transfer or payment fees.

FairFX.com Chief Executive Stephen Heath said: “When we launched FairFX.com in 2007,we rattled a few cages amongst the traditional travel money providers simply by giving the consumer a better deal with our technology. Now we’re are going to do the same with international money transfers. Read the rest of this entry »

The new season of Dexter kicks off soon and serial killers beware as undoubtedly Dexter’s “gonna get you” but Dexter is nowhere as potent or lethal in his actions as are some prepaid stakeholders who are killing prepaid credit cards.

Now, it would be wrong to pin the blame for the failure of prepaid credit cards on poor marketing given the burgeoning number of prepaid credit card programmes which have flawed value propositions, antiquated operations and legacy back end systems but the failure to launch a slick front end operation accounts for a number of programmes biting the proverbial dust.

It is interesting to note that stakeholders and decision makers that invest somewhere in the region of £60k+ in the setup of these prepaid credit card programmes shy away from making the requisite investment of even 10% in marketing and supporting the launch of these prepaid credit cards.

A few interesting conversations with regards to the launch of these prepaid credit cards include

• We have a huge third party database as well as existing customers who will surely be interested in this programme so we do not really need to do anything else
• Our programme has the same pricing structure and setup as that successful big brand prepaid credit card proposition. We cannot go wrong.
• We really do not see the card programme as a profit centre – so do not really wish to invest in the programme.
• And my personal favourite, I think we will invest in the marketing if the programme does well in the first six months.

Read the rest of this entry »