So, you’re not going to qualify for a top-of-the line unsecured platinum credit card?  You can’t find anyone who’s willing to give you a regular card at all?  Well, you’re not stuck trying to make it through our plastic-friendly world with nothing more than a bad credit rating and a wad of cash anymore.  You can secure an easy to get, easy to use prepaid card.

The Vision Premier Prepaid Visa Card is a perfect example.  This Bancorp prepaid card allows you to use a card just like everyone else–even if you have severe credit problems that prevent you from getting a traditional credit card.  That’s right, those late payments defaults and other messy parts of your financial history won’t keep you from enjoying Visa convenience any more.

That’s because the Vision Premier Prepaid Visa Card is prepaid.  You make a deposit and you have that much money to spend with the card.  When you use up your balance, you can add more funds to the account.  There’s no risk of running up a bill you can’t pay or getting into trouble with your card company.  You have complete control over the situation.

And when we say your history doesn’t matter, we mean it.  The application process for the Vision Premier Prepaid Visa Card is actually nothing more than a simple identification.  If you can prove you are who you say you are, you’re good to go.  They don’t bother with a credit check.  They don’t do an employment check.

Plus, you don’t need a fortune to put that card in your pocket.  You can open a your very own Vision account for as little as $20.  If you’d like to load the card up with a few thousand dollars, you can do that, too.

Once you have your Vision Premier Prepaid Visa Card, you can use it wherever Visa is accepted, which is just about anywhere you can imagine.  You can also make payments on your personal bills via telephone.  You may not have a traditional “line of credit”, but you will have a real Visa spending option.

If you need to add more money to your account, you can do it quite easily.  You can have your paychecks applied to the account via direct deposit or you can go to any one of thousands of retail locations to load it up with cash.  This allows you to make your Vision card a real key component of your financial life.

The fees associated with the Vision Premier Prepaid Visa Card are reasonable.  There’s a weekly fee of less than a dollar, a one-time activation fee of $9.95, a $1.95 charge when you pull cash from an ATM and a $.95 fee when you make a purchase requiring a PIN number.  Overall, experts project the annual cost of maintaining the Vision prepaid card option at under $100.

Meanwhile, the Vision prepaid credit card offers a nice little bonus that you usually don’t find with prepaid cards.  It has a rewards option.  You earn a point for every dollar you spend using the card.  Those points can be redeemed for wireless air time minutes.  Every minute costs 200 points.

If you want an easy to get, easy to use Visa option and you’re not going to qualify for a standard card, you owe it to yourself to get a  Vision Premier Prepaid Visa Card.