• The Metabank CashPass Prepaid MasterCard requires no credit check and has no annual fees, making it a card that anyone, and everyone, is able to have.

• The Click-N-Pay system makes it easy to pay the bills that you have to pay every month, and even if the Metabank company can’t transfer funds online to the billing company, they’ll send a paper check to them.

• It allows you to make phone calls as it doubles as a calling card, which is not something that every secured card does.

It’s pretty difficult to ignore the fact that we’re in a financial conundrum in the United States, and it’s something that this nation is not used to having to deal with. Because of this, many people are learning how to budget and are, for all intents and purposes, starting over with their credit. Unfortunately, a large percentage of the population now has no access to credit cards due to their credit scores. When things started to go bad in the economy, credit scores started to plummet, which caused people who were used to being able to get anything that they wanted have to learn what it was like to be told “no” from a credit card company. Most believe that when your credit scores drop, there is no way that you can get a credit card. This, however, isn’t necessarily the case.

Many are now turning to prepaid credit cards, also known as secured credit cards. These cards are not like the traditional credit cards that we’re all used to. With traditional cards, you are actually borrowing money from the lender. You are given a specific limit that you are able to borrow against, most commonly referred to as “charging,” and you are asked to repay whatever amount you charged, including some interest, on a monthly basis. With traditional credit cards, most people can find themselves in debt quickly, as they continue to borrow and borrow while only paying back the minimum amount required each month, which often doesn’t even cover the interest that has been accrued for that month.

A prepaid card, however, has no interest and no annual fees, and you can’t overcharge it because those who have one are only allowed to charge up to the amount of money that they have put on the card. If, for instance, you fill the card with $1,000, then you can only charge $1,000 on it. This allows those who are at risk of overcharging, or who are trying to start over, to have access to a credit card without having to worry about charging more than they can afford, or going into debt easily that they cannot extricate from.

The Metabank CashPass Prepaid MasterCard is a prepaid card that has much to offer consumers. To start with, there are no credit checks required in order to get one, which is a huge benefit for those who have suffered during the recent economic downturn. While every traditional credit card company will require a credit check, this prepaid card does not, which means that your approval is guaranteed. One thing that surprises many about the CashPass card is that you do not need to have any sort of affiliation with a bank account either to receive one. This means that you don’t need to have a savings account or a checking account to get a Metabank CashPass Prepaid MasterCard, so that even if you do not happen to have, or qualify for, a bank account, you can still get the CashPass card.

Another reason why the CashPass card is so great is that there are no additional charges required to get your name on the card. With most secured credit cards, you are given a generic Visa or MasterCard, which may require some explaining when you’re purchasing something in a store, and can be tricky to pay with online. With the CashPass card, however, every user is able to get their own name put on their card, which makes things much easier when you’re dealing with purchases.  No one has to know, either, that you have a prepaid card and not a traditional credit card.

One of the best features of the card, however, is the Click-N-Pay system. Click-N-Pay is a way to pay your bills online with absolutely no hassle. In order to use the Click-N-Pay service, you need to set up your account online or through the phone using the toll-free number that will be provided for you. The company has access to thousands of different businesses, allowing you to quickly set up your account so that you can pay your bills using your Metabank CashPass Prepaid MasterCard. If the business that you have a bill with is not set up in the database, the company can send a paper check to that biller, and because the amount is deducted from the balance that you have on the card, you never have to worry about dealing with a bounced check ever again.

This is a great option for people who want to pay their bills online because most prepaid cards cannot be set up to use to pay bills. Billing companies do not tend to let people pay with prepaid cards for the simple fact that they do not know for certain, if they set up to routinely take money from the credit card, if there is going to be any money left on the card. With the Metabank CashPass Prepaid MasterCard, however, you can make a one-time payment or a recurring electronic payment to your debtors, no matter whether they are listed in the Click-N-Pay database or not!
You can even use your CashPass card as a calling card. This is great for someone who finds themselves traveling a lot or who is making a lot of long distance calls and incurring a huge amount of debt simply from that. When you use the CashPass card as a calling card you’re able to make calls to whomever you’d like to, all around the world, without getting a bill, as the amount of the call is instantly deducted from your balance as soon as the phone call is over and you’ve hung up the phone.

The Metabank CashPass Prepaid MasterCard offers a wide array of bonuses for anyone who is looking to get a prepaid card, but first and foremost it is perfect for those who are looking to pay bills with their prepaid card, thanks to the Click-N-Pay system. And the fact that it requires absolutely no credit to get makes it available to everyone.