Suggest a pre-paid credit card?

There are none that meet those requirements.

Why a pre-paid credit card rather than pay off the balance each month before any charges are incurred? Or, how about a debit card linked to an account with no overdraft facility? Don't know about the current options/charges for new applicants, but my Lloydstsb Classic account (with debit card) + Llloydstsb Mastercard allows me to manage and see everything in the one place by logging online to their internet banking, and, as far as I know, there is no problem putting a credit into the Mastercard account before using card but in effect I just pay off the debit each month instead, by a simple online transfer of funds.

As I say, you'd have to investigate terms for new customers, but it can be managed to do everything you seem to need. It's not a good Idea to use a credit card to get money from a cash machine - there are sometimes extra charges for that - use the debit/cash card. Otherwise, I had no application fees, monthly fees, charges for use, and you can top-up/payoff credit card via internet. Other thing to watch with Lloydstsb is that you don't allow the current account to go into accidental overdraft - they'll give you an unauthorsed overdraft with (very) high charges. It may be you can specify no overdraft facility, or arrange an overdraft limit if you want one

Toom

What's the difference between a credit card and a debit card if they are pre-paid?

anyway FWIW the PayPal debit card works very well for internet purchases

- but they charge for a top-up - I use the local PO and its a pound.

ITYF that there are none at all that don't apply either 1 or 3 from your list, it's how they make their money.

tim

Why a pre-paid credit card rather than pay off the balance each month before any charges are incurred?

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I suspect the posted wants a card which they are sure cannot run up spurious charges in excess of their card balance, that they haven't authorised.

I to would like such a card. I did once obtain a pre-paid "credit" card (that was free to apply for) and when it arrived, it was a Maestro card which no (outside UK) internet retailers would accept.

tim

To be pedantic there is no such thing as a pre-paid credit card.

No credit is extended at any point by the card issuing company. The money you load and spend is entirely your own.

Pre-paid DEBIT card is a more fitting term.

Thanks all for the replies.

It looks like I'm going to do some calculating of costs,

Would not an ordinary bank current account with an associated debit card meet all three of the above criteria, provided you arrange to have a zero overdraft limit?

The only attribute of a credit card which this setup would lack is the consumer protection aspect whereby the credit provider is held jointly liable with the merchant in cases of faulty goods etc, provided the value exceeds £100.

The next closest thing is a credit card with say a 50 or 100 limit.

And then pay into it to put the account to put it into the positive. You'd obviously need to ensure you didn't go into the red without paying it off.

Paying off the debt can be done through direct debit to incur no charges.

Not sure how many cards would give such a low limit.

I agree totally.

I do have a credit card with a 250 limit. It was originally 4K I think, but then it was suddenly chopped to 260 around the time when CC companies started dumping "unproductive" accounts. The card had been dormant for a while I admit.

The CC company was probably hoping I'd cancel the account - but no such luck! This small credit limit suits me just fine - the card is now much more useful to me than a prepay debit card :)

Pre-paid credit cards are pre-paid cards with Visa, Matercard or Amex branding which are charged as credit cards to the retailer. Pre-paid debit cards have Maestro, Visa Debit, Solo or Electron branding and are charged as debit cards to the retailer.