VISA Debit to pay for PAL + RPAL

The moment I turned 18 I drowned myself is as much credit debt as I could... I've since learned my lesson and this time next year will have ZERO debt! Woohoo! I have a BMO prepaid travel credit card that is accepted ANYWHERE a mastercard is accepted. The only downside to it is that you must put a minimum of 100$ on it at a time and it takes about 8-10 days for it to actually be creditied to your account before you can spend it.


I did just receive a "real" capital one credit card today though. It's going directly into a glass of water and into the freezer. It's for 100% emergency use only and will stay there unless I'm traveling out of town. That will help me resist the urge to use it!
 
ndb86 said:
I have a BMO prepaid travel credit card that is accepted ANYWHERE a mastercard is accepted. The only downside to it is that you must put a minimum of 100$ on it at a time and it takes about 8-10 days for it to actually be creditied to your account before you can spend it.
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That's strange, I had a BMO card before (few months ago), never had a minimum. Also, if I wanted to put money on the bmo mastercard, all I had to do is go into my online banking and transfer it over, instant cash onto your card. tried it many times.

cheers
 
MrSchultz said:
That's strange, I had a BMO card before (few months ago), never had a minimum. Also, if I wanted to put money on the bmo mastercard, all I had to do is go into my online banking and transfer it over, instant cash onto your card. tried it many times.

cheers
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Perhaps it's because I bank with RBC not Bmo. RBC doesn't offer a prepaid card. again it's not a debit card, it's an actual credit card, but you can only spend money you put on it.

Pretty sure this is the exact same one I have except mine has no fee. it was $15 to get when I 1st got it years ago and they have never charged me any other fees ever.

http://ww w.bmo.com/home/personal/banking/credit-cards/prepaid
 
ndb86 said:
Perhaps it's because I bank with RBC not Bmo. RBC doesn't offer a prepaid card. again it's not a debit card, it's an actual credit card, but you can only spend money you put on it.

Pretty sure this is the exact same one I have except mine has no fee. it was $15 to get when I 1st got it years ago and they have never charged me any other fees ever.

http://ww w.bmo.com/home/personal/banking/credit-cards/prepaid
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you could always go to the teller and put money on it right away, OR, get a prepaid credit card from Canada Post. You can fill it up at any Canada Post location, and the fees are low.
 
MrSchultz said:
you could always go to the teller and put money on it right away, OR, get a prepaid credit card from Canada Post. You can fill it up at any Canada Post location, and the fees are low.
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As I said earlier. I just received a real CC today. It's for emergencies only, but should I need to buy something online I will transfer the cash to the real card before I actally use it. I was just explaining that there were options for the OP and that the BMO card worked well enough for my purposes, but did have a flaw or two.
 
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