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Pre-paid credit cards

Ever used one?

I just found fraudulent charges on our credit card again. This happens at least once a year. I'm thinking of getting a pre-paid credit card to use for online purchases. Is this a smart idea?

On one hand, it sounds like a good idea because then the card isn't linked to our accounts.

On the other hand, USAA has an excellent fraud department and they always refund the charges and issue new cards immediately. Would a pre-paid card company do this? 

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Re: Pre-paid credit cards

  • You make me nervous. 

    **Runs off to check the CC**

     

     Okay... now that I feel more secure... 

    I think that USAA has pre-paid Mastercards. You might be able to get one from them and have the same security if something fraudulent does happen again. Obviously, I would call and make sure that they offered that before signing up for one. 

    I've only used a PayPal card, it isn't that bad, but sometimes you have to have a minimum balance to purchase anything. I had 50 dollars left on a card once, and I couldn't purchase gas with it, when I had before when the balance was higher. 

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  • I would seriously rethink where I'm using my CC if you are getting fraudent charges yearly. There's a reason I only use my CC for most purchases. I like the fraud protection. 
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  • image LemonLover33:
    I would seriously rethink where I'm using my CC if you are getting fraudent charges yearly. There's a reason I only use my CC for most purchases. I like the fraud protection. 

    I've been trying to pinpoint the cause since the first time it happened. It's got to be H, I know that much. I never had a fraudulent charge on a card ever until I married him. According to him it's been happening to him this frequently for as long as he can remember. He doesn't keep his card on him though. He only uses it for recurring things like XBox Live and he doesn't do any online shopping. I only use it for online shopping at fairly reputable places (Amazon, Macy's, and the like). 

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