If the idea of a credit card gives you pause, you can always try an innovation like the Wired Plastic Prepaid Debit Card. This card allows you the freedom of a regular credit card, but with one significant difference: with the Wired Plastic card, you will not be spending against your future earnings. Most credit cards operate on a debt base; a transaction is charged to the card, and the user is then expected to pay it off within a certain amount of time. With a prepaid card, you are responsible for determining what you spend on the card. You achieve this by "loading" your card. Loading occurs when you take money that you already have and put it on this card, creating a balance which you will then use as funds. You'll never spend money that you don't already have!

This type of card comes in especially handily for parents with teenagers. Most parents have some type of arrangement with their kids that allows them to buy gas for their car, clothes, and other necessities. With the Wired Plastic Prepaid card, you can be sure that your kids aren't out spending them into a deep hole. Just give them an agreed-upon sum each month, and when it is gone, they have to wait until the next "loading" time.

Because this card is offered through the Visa company, it can be used wherever Visa cards are accepted. Using it will also qualify the person in whose name the card is issued to receive valuable membership reward points that can be put toward other wireless services such as wireless phone bills or buying wireless products. The corporate punch of Visa also allows users of this card a wide range of payment opportunities when it comes time to pay off the bills; over 3,000 billing companies accept this card as a form of payment. You can also use the card to shop online, so you can find the products you want 24 hours a day!

There are several options when it comes time to load your Wired Plastic Prepaid Debit Card. Loading your card will incur no transfer fee, and you can transfer the money to the card using Western Union, Pay Xone and Moneygram along with 100,000 other loading location free of charge. The card works both as a credit card, in which you have to provide a signature, and as a debit card, for which you must use a Personal Identification Number.

Like other prepaid cards, there are user fees that come with the Wired Plastic Prepaid Debit Card. A one-time introductory payment of $9.95 is required. After the initial payment, you will have to pay $3.95 every month to use it.

The Wired Plastic Prepaid Debit Card also allows its users to have easy access to the 24 hour help line in the event that an emergency occurs. Many companies that won't accept a debit or credit card as payment can be paid using this prepaid card, making it even more convenient.

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