Pre-loaded credit cards [Archive] - Beyond.ca - Car Forums

schurchill39

01-02-2006, 12:11 AM

I was wondering if those sort of pre loaded credit cards are sold in canada. I have some friends who have got them in the states. They work kind of like a phone card but you can use them to pay for stuff that requires a credit card online such as: ebay, magasine memberships, buying parts from online stores?

If you know what i am talking about or where to get one let me know please. There are some things i would like to buy for the 7 but the place can only take credit cards and seeing as i am only 16 that doesnt work to well.

EK 2.0

01-02-2006, 12:13 AM

Well seriously I would axe to borrow your parents cards. Reason being is those are still credit cards and as such will require you to sign a credit agreement...and since you are still not 18...I don't think it will be kosher...

schurchill39

01-02-2006, 12:16 AM

My dad is so damned paranoid that he wont even type his numbers in on word. When we had the option to save 50$ on norton security he opted to go to the store and pay nearly 100$ for it when he coulda got it for close to 50$ right from systemac.

I was told that you just buy them like phone cards and once you have spent everything your done. (of course you pay for the full value of the card when you buy it)

EK 2.0

01-02-2006, 12:19 AM

Originally posted by schurchill39
My dad is so damned paranoid that he wont even type his numbers in on word. When we had the option to save 50$ on norton security he opted to go to the store and pay nearly 100$ for it when he coulda got it for close to 50$ right from systemac.

I was told that you just buy them like phone cards and once you have spent everything your done. (of course you pay for the full value of the card when you buy it)

Agreed, but a lot of online retialers (at least the legit ones) will only send out purchases to cards that they can verify addys to.

AllGoNoShow

01-02-2006, 12:25 AM

There is a bank that gives out credit on credit cards, once its done its done. We used it couple of nights ago for gas, I think it was BMO but I don't recall. I will check into it when I see him again.

BokCh0y

01-02-2006, 01:32 AM

you can always try home trust visa and capital one mastercard. they offer something called a secure credit card. that's when you apply for a card, give them like $500 for example and they will issue you a card for the amount you give them. the inital amount you gave them is a deposit that you will get back when you cancel the card and yes you do collect interest on it.

this is an excellent way to build your credit up for the future. but each month you have to make the minimum monthly payments though and if you miss one.....it reflects on your credit rating, which makes getting credit cards or loans in the future tougher. due to your age you might have to get your parents to give you some sort of legal consent before you can apply for the card though. search for capital one or home trust online and see what they say on their site. also research about securecredit cards to learn more about what i'm yapping about.

hope this helps.

Sharpie

01-02-2006, 03:20 AM

http://www.moneymart.ca/

schurchill39

01-02-2006, 04:38 PM

Originally posted by Sharpie
http://www.moneymart.ca/

YES thats exactly what i was looking for! Thank you. You only need to be 16 for their pre-loaded Mastercard to. I am going to go to money mart rightn ow and get some info on it.

D. Dub

01-02-2006, 06:02 PM

aren't those for people with really bad or no credit?

achtung

01-02-2006, 06:28 PM

Originally posted by D. Dub
aren't those for people with really bad or no credit?

:rofl:

yea it is... so that you can look rich with your MC!

Sharpie

01-02-2006, 06:45 PM

Originally posted by achtung

:rofl:

yea it is... so that you can look rich with your MC!
Or for people who are under the age of 18 that want a credit card? :dunno:

achtung

01-02-2006, 06:58 PM

or that too.

But either way; money mart *mostly* profits off poor people. Which is sad but whatever works I guess.

Sharpie

01-02-2006, 07:01 PM

Originally posted by achtung
or that too.

But either way; money mart *mostly* profits off poor people. Which is sad but whatever works I guess.
True but these cards are a good idea for young people...

Kobe

01-02-2006, 07:17 PM

Originally posted by Sharpie

Or for people who are under the age of 18 that want a credit card? :dunno:

I dont understand, Im making 35 - 40,000K a year gross right now, and still did not get approved for a credit card.. WTF is wrong...
Im going to money mart :rofl:

Sharpie

01-02-2006, 07:19 PM

Originally posted by Kobe

I dont understand, Im making 35 - 40,000K a year gross right now, and still did not get approved for a credit card.. WTF is wrong...
Im going to money mart :rofl:
Your making that much and your on UI... You dont have any bills or dont have to pay any rent.... Shame on you....

crazyning

01-02-2006, 07:28 PM

Originally posted by Sharpie

Your making that much and your on UI... You dont have any bills or dont have to pay any rent.... Shame on you....

Maybe they won't give you a credit card because you don't have steady income. If you're on UI, there's no guarantee that you'll have your job back.

stevieo

01-02-2006, 07:48 PM

Originally posted by Sharpie

Or for people who are under the age of 18 that want a credit card? :dunno:

i dont know why you would need a credit card under the age of 18 though..

Sharpie

01-02-2006, 07:52 PM

Originally posted by stevieo

i dont know why you would need a credit card under the age of 18 though..
To buy things online?

EK 2.0

01-02-2006, 07:54 PM

Originally posted by stevieo
i dont know why you would need a credit card under the age of 18 though..

porn sites...

01-02-2006, 08:01 PM

Kobe

01-02-2006, 08:33 PM

Originally posted by Sharpie

Your making that much and your on UI... You dont have any bills or dont have to pay any rent.... Shame on you....

Only go on UI for about 2 months to 2 1/2 months...
Shame on me for what? Living with my parents at the age of 18, saving money for school, I do pay bills, paid for my car, parents lent me some cash, which was repayed, I pay for gas, insurance and phone.. why the hell should i move out and pay rent for 6 months when I can live at home for free...

achtung

01-02-2006, 08:41 PM

35k a year is nothing. My advise is to stay home as long as possible and save your money.

You should be able to sign up for a CIBC Classic Student Card no problem... I don't have a job and I've got one. :dunno:

stevieo

01-02-2006, 08:42 PM

Originally posted by Sharpie

To buy things online?

thats what parents are for?

Sharpie

01-02-2006, 08:48 PM

Originally posted by stevieo

thats what parents are for?
Yeah get mommy and daddy to buy everything for you.:rolleyes:

achtung

01-02-2006, 08:49 PM

Originally posted by Sharpie

Yeah get mommy and daddy to buy everything for you.:rolleyes:

When you are under 18 its fine.

EK 2.0

01-02-2006, 08:51 PM

Originally posted by Sharpie

Yeah get mommy and daddy to buy everything for you.:rolleyes:

if you have the money for a CC but dont have a CC use someone who has a CC and pay them the money...

don't :rolleyes: at him...I mean his suggestion is the best one on this thread...

Kobe

01-02-2006, 08:54 PM

Originally posted by achtung
35k a year is nothing. My advise is to stay home as long as possible and save your money.

You should be able to sign up for a CIBC Classic Student Card no problem... I don't have a job and I've got one. :dunno:

I would not Im not registered for schol yet...

achtung

01-02-2006, 08:57 PM

Originally posted by EK 2.0

if you have the money for a CC but dont have a CC use someone who has a CC and pay them the money...

don't :rolleyes: at him...I mean his suggestion is the best one on this thread...

:werd:

CCs aren't for kids.

stevieo

01-02-2006, 10:10 PM

Originally posted by Sharpie

Yeah get mommy and daddy to buy everything for you.:rolleyes:

yeah okay buddy, its called telling thjem to get it for you and then you paying them the money. does it take such a genius to figure that out einstein?

Sharpie

01-02-2006, 10:51 PM

Originally posted by stevieo

yeah okay buddy, its called telling thjem to get it for you and then you paying them the money. does it take such a genius to figure that out einstein?
Whats the point of this thread, I believe schurchill was looking for one of these because his parents wont let him use their credit cards.

toyboy88

01-02-2006, 11:02 PM

Originally posted by Kobe

I dont understand, Im making 35 - 40,000K a year gross right now, and still did not get approved for a credit card.. WTF is wrong...
Im going to money mart :rofl:

cuz your posting too much "free porn" in your thread..they know your ripping C/C companies off! haha j/k :D keep it up! :poosie: :rofl:

90s_tuner

01-02-2006, 11:42 PM

Originally posted by Kobe

I dont understand, Im making 35 - 40,000K a year gross right now, and still did not get approved for a credit card.. WTF is wrong...
Im going to money mart :rofl:

I'm turning 19 in a couple months and I've already got 20 grand (together) in credit available on 3 credit cards. ahahaha... 1 VISA, 2 Mastercards

And get this... I don't have a "fixed" job... :nut:

schurchill39

01-02-2006, 11:56 PM

I ended up going to Money Mart today and picking it up. The Newwave TITANIUM MasterCard is what its called. Its actually not that bad but the small fees are gay.
It was $21.34 (G.S.T) for the card then you had to put $10 on it right away. I put $40 though. Then each time you load the card up its another $2 unless you are cashing a cheque or paying a bill, then its free. Each time you use it to buy something its 0.50. Which isn't bad if your only using it on the occasion to buy stuff from the net like I will be. On top of that its $7.50 a month to have. That is taken out of what ever you have on the card and it will never go into the negatives. So when you stop using it, the card will expire with that fee on it. If you wanna renew your card then you will have to pay it, but other wise they have no other link to you to collect that money. It doesnt effect your credit at all which can be a good thing or a bad thing depending on how you look at it.

And yes I was asking about it because my parents are paranoid about putting their CC numbers on the internet. This way I am technically safer. I am also fully indepentant to pay the card and no one else had to sign, co-sign or even give permission for me to have it.

sexualbanana

01-03-2006, 12:10 AM

If it is what I think it is, it's basically just a gift card. They're becoming very popular gifts now.
They work the same as a gift card and I believe most credit card companies and banks issue them. There's a preset limit (just like the Future Shop GCs), when you make a purchase it deducts from the account (like debit) and its accepted everywhere credit cards are.

90s_tuner

01-03-2006, 12:12 AM

Originally posted by schurchill39
I ended up going to Money Mart today and picking it up. The Newwave TITANIUM MasterCard is what its called. Its actually not that bad but the small fees are gay.
It was $21.34 (G.S.T) for the card then you had to put $10 on it right away. I put $40 though. Then each time you load the card up its another $2 unless you are cashing a cheque or paying a bill, then its free. Each time you use it to buy something its 0.50. Which isn't bad if your only using it on the occasion to buy stuff from the net like I will be. On top of that its $7.50 a month to have. That is taken out of what ever you have on the card and it will never go into the negatives. So when you stop using it, the card will expire with that fee on it. If you wanna renew your card then you will have to pay it, but other wise they have no other link to you to collect that money. It doesnt effect your credit at all which can be a good thing or a bad thing depending on how you look at it.

And yes I was asking about it because my parents are paranoid about putting their CC numbers on the internet. This way I am technically safer. I am also fully indepentant to pay the card and no one else had to sign, co-sign or even give permission for me to have it.

What a rip off! Those fees are insane.

Sharpie

01-03-2006, 12:23 AM

Originally posted by 90s_tuner

What a rip off! Those fees are insane.
It is basicly the same shit as interest... i guess....

90s_tuner

01-03-2006, 12:30 AM

Originally posted by Sharpie

It is basicly the same shit as interest... i guess....

Although its avoidable on a real CC if you pay off your balance each month.

schurchill39

01-03-2006, 12:32 AM

Originally posted by sexualbanana
If it is what I think it is, it's basically just a gift card. They're becoming very popular gifts now.
They work the same as a gift card and I believe most credit card companies and banks issue them. There's a preset limit (just like the Future Shop GCs), when you make a purchase it deducts from the account (like debit) and its accepted everywhere credit cards are.

Exactly, except with retarded fees. Oh well though it gives me acces to shopping online now. It will be a big help when ordering parts as i dont have to wait the 5 business days to put money into my pay pal account then the 4 business days to send (if the person isn't verified.)

EDIT: It also works to buy porn. Just tried one of those 3$ 5 day trial offer things to test it out and it worked.

Now its time to get me some S5 tail lights for the RX-7