as you need to keep debts under control
includes a range of benefits such as discounts and annual travel insurance, then you will probably have to pay a membership fee. Make sure you really will use the benefits before committing to the fee.
If you travel overseas, make sure your credit card can be used abroad and if so, make sure it doesn’t charge a fee as well as the cost of currency exchange if you make a purchase abroad. The Post Office, Santander and Bank of Scotland all offer cards that don’t have an additional loading for overseas usage. if this is a facility you like to use occasionally, then it is another feature to check out when choosing your card. Interest is generally in the range of 20 to 30 per cent.
These are convenient to use like a credit card but only allow you to spend what you have. They work with a pin system and allow you to pre-load money onto your card at the Post Office, Payzone, or PayPoint terminals, or via a bank transfer or even text. Once you’ve loaded up your card you can only spend the balance, so you can’t get carried away. Prepaid cards also help you avoid the hassle of a credit check. But many charge fees. So see if there is a monthly service fee and find out what it costs to buy the card, top it up, make a purchase and withdraw cash.
There’s card to suit everyone: Make sure yours fits your needs