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Though these are a type of card, Visa prepaid cards are a bit different from other types of cards. We will know about the differences, but before that, let’s know a bit about prepaid cards.
What is a Visa Prepaid Card?
A visa prepaid card is just an alternative to the cash you carry. When you buy a visa prepaid card, you have to deposit cash in it. Then, you can use it anywhere you want (if they accept prepaid cards). When the balance is finished, you can top up some money on the card again and use it. These cards are not connected to any bank account or digital wallets.
Difference between Prepaid Cards and Debit Cards
I’ve already said that visa prepaid cards are not linked to any bank account. This is the main difference between a prepaid card and a debit card- link to a bank account. A debit card is linked to the bank account.
When the amount is the card is finished, you can’t use the card until you add money to it again. Similarly, you can’t use the debit card when the bank account is empty unless you put some money in the bank again.
However, you can use the debit card when the bank account becomes empty through the transaction if you are in the bank’s overdraft program. In that case, the bank will cover the cost of payment or ATM withdrawal, but you’ll have to pay a charge later for it. And obviously, you have to repay the overdraft.
However, prepaid cards don’t have this opportunity.
Difference between Visa Prepaid Cards and Credit Cards
Not being linked to a bank account is a difference between a visa prepaid card and a credit card. You can link your credit card to a bank account, but you can’t do it in the case of a prepaid card. However, there are more differences too.
When you are using a credit card, you are borrowing money from the institution from where you’ve made the credit card. But, in a visa prepaid card, you have to fill the account with money.
Here, you don’t have any chance to borrow from the institution that has issued the card to you.
However, if your visa prepaid card provider provides the opportunity of taking a loan from them (like credit cards), that is a different issue. But normally, this feature is not in the prepaid card services.
Difference between Visa Prepaid Cards and Gift Cards
Prepaid cards and gift cards seem to be similar as you have to add some amount to the card before starting using the card in both cases. But there are significant differences too.
The first difference is the way you use the money. Gift cards are meant to present people so that they can buy what they want. So, these are only spending cards.
You’ll have to spend the money on buying something. On the other hand, prepaid cards are not only for spending money. You can withdraw money from the card using ATM, bank, or even is some retail shops.
Also, you can reload visa prepaid cards. But, reloading gift cards is not possible.
The cards discussed above are some means of payment. Those all are cards, but each has significant characteristics that have made the cards different from each other.Virtual Credit Cards are not physical cards. These are 16-digit card numbers that are-preloaded and used to make payment to specific platforms. For example- Amazon VCCs are for only making small payments to Amazon, PayPal VCCs are used to make payments to PayPal, etc. Besides Amazon and PayPal, you’ll see VCCs for many other platforms, including eBay, Facebook Ads, Bing Ads, Skrill, etc.
These cards are called credit cards but these are actually pre-loaded debit cards, having a little amount of money in it. These are mainly used for verification. That’s why these are generally not reloadable or rechargeable. There are some reloadable VCCs too. Also, VCCs have a specific expiry date, after which you can’t use it anymore.
You can get VCCs from different websites. The sellers of VCC share a 16 digit card number and a PIN number with you after you place an order. For this, you’ll have to pay the amount inside the card and a small amount as a charge. You can use the card number at the time of making payment to that specific website.
Here on this website, you’ll find a wide range of VCCs. If you need one, contact us. We provide 100% safe and authentic virtual credit cards at a low cost. You name the card, and we are ready with it.