Credit Cards 4 Now
The finance site for young people.
Welcome to hounslowyouth.org.uk - the finance site for young people.
Many finance sites are aimed at people who have a lot of money to invest, but what about when you are starting out?
Anyone who has been a student knows what a nightmare it is juggling money, and once you have graduated it doesn't get any easier. Here are some finance options to consider: Prepaid Cards, Student Credit Cards, Credit Cards, Poor Rating Credit Cards and even Credit Card Claims Services.
Navigate your way around the site and see what financial options are suitable for you.
Prepaid Cards
See below a range of prepaid cards. Here, you can compare the main features to a card so that you can choose which one suits you and your lifestyle. Look at maximum allowed balance, fees (is this a “pay as you go” card or a “monthly” card?), where to load the card and more.
Comparing the main features will allow you to make an informed choice. Remember: to apply for a prepaid card you will not need to worry about your credit score, because no credit checks will be carried out. You cannot borrow money with a prepaid card — what you load is what you get!
| Company | Issuer | Cost | Max | Monthly Fee | Purchase Balance | ATM Fee | Under 18 | SMS Services | Money Share | Top Ups | More Info |
ClearCash
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£4.50 | £5000 | £9.99 | £0 | £0.50 | No | Yes | No | Paypoint, Post Office, Wages, BAC |
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| Features – Unique online Budgeting tools “BudgetMaster”, downloadable budgeting packs, can be bought by mobile phone SMS, up to 10% cashback at over 900 online shops using ClearCashback.co.uk. Full Purchase Protection package. Can be loaded for FREE at Post Offices or by bank transfer. FREE SMS balance checking service also. Only £4.50 to£5.00 to buy card and now accepted everywhere the MasterCard logo is found. | |||||||||||
Bread Card
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£7.50 | £3500 | £0 | £2.00 | £1.50 | Yes | Yes | Yes | Paypoint, Wages, BACS, Post Office |
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| Features - 3 choices of design, can be bought by mobile phone SMS, up to 10% cashback at over 900 online shops. Can be loaded for FREE at Post Offices or by bank transfer. FREE SMS balance checking service also. Only £7.50 to buy card and now accepted everywhere the Mastercard logo is found. | |||||||||||
Onebanking Prepaid Card Bank Account
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£30 | £25000 | £12.50 | £0 | £0 | No | Yes | Yes | Bank, BACS, Wages |
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| Onebanking is both a banking facility and a Prepaid card that's open to everyone. Irrespective of your current situation or past credit history. There are no credit checks! You will also get a personal account manager to help you manage your money. | |||||||||||
Freedom Prepaid MasterCard
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£9.99 | £3000 | £0 | £0 | £1.50 | Yes | Yes | Yes | Paypoint, Post Office, Wages, BACS |
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| The Freedom Card is the UK's first retail instant issue, fully reloadable, embossed Prepaid MasterCard® with chip & PIN security that customers can purchase without any ID. The instant card has a maximum balance of £1, 650 - you can upgrade your card by providing a Passport, or UK Driving Licence maximum balance £3,000. You can now also purchase by SMS phone text! | |||||||||||
Cashplus Gold Mastercard
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£4.95 | £5000 | £4.95 | £0 | £1.00 | No | No | Yes | Post Office, Wages, BACS |
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| Top-up for FREE at 14,500 locations, including any UK Post Office® branch Use at over 25 million retail outlets and over 1 million ATMs worldwide, wherever you see the MasterCard acceptance mark. | |||||||||||
Virgin Prepaid Card
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£9.95 | £3500 | £4.75 | £0 | £1.50 | Yes | No | No | Paypoint, Post Office, Internet (Credit / Debit), BACS |
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| The Virgin Prepaid MasterCard is a secure way to shop – online, by phone and in store. You can easily apply online and receive fantastic discounts at Virgin companies and on the high street. No bank account is needed and no credit checks are undertaken. | |||||||||||