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Only in the last few years has the government moved to stop banks from putting people in this cycle of infinite repayment (where the interest and fees are more than the monthly payments). Well, in the late 70s, the US Supreme Court ended the federal predatory lending laws, and the credit card economy was born.You just load dollars directly onto the card and then use that balance for purchases. without a checking account, prepaid cards offer the ease of card-based purchases without the hassles of dealing with a bank.When the balance on the card dips too low, you reload more money. You can use prepaid cards to book a hotel room or rent a car.Because prepaid cards are associated with major card networks – Visa, Master Card, American Express and Discover – they can be used anywhere debit cards can: to buy groceries, gas up your car, even pay bills online. They even come with account and routing numbers, which means you can have your paycheck direct-deposited onto your card.And because the fees merchants pay to accept debit cards (including prepaid debit cards) are lower than those for credit cards, there may be places that will accept your prepaid card, but not credit cards. By March 2015, customers had loaded billion onto the American Express prepaid cards, Serve and Bluebird.

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