We are not all financial geniuses.  We make mistakes.  Sometimes those mistakes include going over budget or making a late payment.  Sometimes they get even more serious.  Money can be tight and errors in judgment can combine with that fact to produce real credit problems.

It is understandable why most credit card companies will not issue a card to people who have made those mistakes.  They are in business and it would not make a lot of business sense to roll the dice with someone who has a poor credit history.

The problem with all of that is the fact that you almost need plastic to function in today’s society.  Running around with a stack of cash is not very practical and it certainly is not convenient.  Paying for money orders with cash every time you need to pay a bill is an embarrassing hassle.  There should be a way to put a card in your wallet even if you do have a bad track record.  You should be able to get a second chance.

The AccountNow Prepaid Visa provides that second chance.

It is a prepaid Visa card.  That means your credit limit is going to be equal to how much money you put into your account.  It also means something else:  You will be approved.  Metabank, the issuer of the AccountNow Prepaid Visa, does not run a credit check.  If you are willing to put that money on the card, they will put the plastic in your billfold.  Period.  You can start the ball rolling with a small initial deposit or you can load it up with thousands of dollars.  That is up to you.

Once you fund the card, things start getting even better.  You can pay your bills with the card.  The AccountNow Prepaid Visa is set up with this in mind.  You are given several free bill pay transactions every month for that very reason and Metabank even has a program to supply the credit report agencies with a record of your payments, which can help you start making progress with your credit problems.  In essence, you can use the card like a checking account, making it perfect for those who do not qualify for a standard checking account due to past financial problems.

The AccountNow Prepaid Visa card is accepted anywhere a traditional Visa can be used and it allows you to do online check writing, making those money orders a memory.  It is impossible to rival that kind of convenience.

You can load your card by wire transfer, Moneygram or via direct deposit and you are not going to get beat up with unfair additional fees.  If you fund your new AccountNow Prepaid Visa with a direct deposit, you do not even pay an activation fee for your card.  There are no transaction fees, either.  You pay $9.95 per month.  That is a ridiculously small price for an opportunity to pay your bills online, buy things with a card anywhere and better manage your finances.

Could you use a second chance?  Would you like an alternative to traditional credit cards and checking accounts?  If so, you really should get your AccountNow card.  Notice that last sentence.  It says, “You should get,” not “you should apply.”  That is because the AccountNow Prepaid Visa offers guaranteed instant approval.  There is no easier way to put a Visa in your pocket and to start moving ahead in your financial life.