I have had bad credit for a while. I spent a long period of time trying to get approved for a credit card. The only offers I would get were the ones that wanted to charge me a high interset rate or wanted me to pay them for approving me and then charging the card for a high "annual fee" leaving me $50 dollars on the card. I finally said forget it.
About 6 months ago I started seeing the advertisments for the Greendot credit card. After much research I decided to try it. Six months later I am still using it and I love it. It is so convenient and instead of owing money when the bill comes, its taken right from the balance I have loaded on it. You can load anywhere from $20- $500. They do charge you a monthly maintanance fee of $4.95, but there are no other fees except when you withdraw from an ATM machine.
You can also chose Direct Deposit of your check, which I currently use. I get my money on time with no problems and I can spend it that day if need ben. There are not fees for direct deposit so its free to hav my employer send it to Greendot.
If you'd rather load it yourself, all you have to do is go to a local Walgreens and put the amount you want on there. It usually is ready within an hour of you activating the amount.
Greendot has a website that you can visit for your balance as well as if chosen they will send you your balance via text message for free.
You can use the card worlwide and everywhere that Visa or Mastercard is accepted. Use for signature based purchases or use as a debit card.
The card is fully protected and you have no hassels of a monthly bill of late fees.