Hi /biz/, this is my firs time visiting this board and Im not sure if you guys have QTDDTOTs since I didn't see one in the catalog.
Anyways, I'm 18 and have a little over $500 in cash to spend.
No bank account and no credit card.
My problem is that I want buy a few things from legitimate online businesses. But the only way would be a credit card.
I know there are prepaid cards, but how do those work? When a website asks for only credit card number would it accept a debit card numbers? Which card would be the best?
Thanks /biz/ any info will be appreciated
>TL; DR how do prepaid cards work and would the number be accepted as a credit number for online stores?
>>1160829
>TL; DR how do prepaid cards work and would the number be accepted as a credit number for online stores?
a prepaid card is just loaded with a set value (like 20$). its bullshit, just get a credit card but at your age it might be hard unless you have worked at least a 1yr on the books job because creditors look at this and they also start you off at a low credit. prepaid cards cant be accepted as a credit card because they will know off the cards 16 digit number.
how come when it comes to getting a job its "who you know not what you know"
>>1160829
You can use a prepaid meme unless it'll be a recurring payment which might experience issues(obviously).
>>1160829
>how do those work
You buy one in a store. Usually there's a rack near the registers where they just have gift cards, and some of them are Visas, Mastercards, etc..
Read the back of the card for all the rules. You typically pay like $3 for the card, and then everything else goes onto it. You can't refill it until you go online and register it or some shit. If you don't use it for some amount of time, say 13 months, they start taking out like $5 at a time every month until it's empty.
I think that's about all there is to it. Hope it helps. Let me know if you're unclear on anything else.
>>1160862
Thanks man!
Now hypothetically, lets I just spent all the money in the card and its going to be a long while before I use it again. Would I be able to refill it after that long while or should I just get a new card?
>>1160866
Yes you can
That's the point of them ma man.
I'm fairly certain 80% of the revenue of prepaid memes is from underaged kids using them to buy shit.
>>1160877
Get a new one, depending on which it is you can't refill.
Honestly just read the back of them or their website dude. If you did you'd know it says "use just like a regular card!" On the packaging and also whether it's refillable or not
>>1160866
If you're that poor you don't need to be buying $100 products unless it's to resell them.
>>1160915
>Hurr let me spend 20% of my net worth on some useless disposable crap
>>1160877
Just get a new one. Sometimes they can be refilled with a hassle, sometimes not at all.
>>1160889
>application and a waiting period
Nah, I've bought them before. You just go to a store and give them money, they give you the card, you use it. EZ PZ
How do I go about getting into being a train conductor? I'm 18 and have no job experience or prospects.
I have to purchase $3000 on my IRA due to tax deduction reasons. Do I go with an overall US stock index ETF or something targeted like an energy ETF?
Denied employment, very high chance of hiring discrimination at play. Do I have the right to demand of the company a report of the background check done on me?
>>1162264
Apply on your city's public transit website.
I've bought stuff online with $100 prepaid visa cards. Buy the card and you can use it at regular stores. When you register it online you can use it online. Instructions come with the card.
What's better for a low-income 24 year old, roth or traditional IRA, or neither? I'm not making much, but I've saved quite a lot of what I have made.
I was thinking of opening up a restaurant similar to Chipotle, but we specialize in Sharma instead of burritos.
Is this a good idea?
>>1164449
Honestly I've never seen a Sharma place at all. I have no idea what thr hell it even is. I think a large number of Americans are like me so you'd need a pretty hefty amount of marketing. I've seen similar with noodles though so the concept would probably work. Maybe the same concept with chili, hotdogs, macaroni and cheese, salads, or even pizza would work.
>>1164447
bumping this.
GET A BANK ACCOUNT OP.
Make sure to call and set up the account so it doesn't let you charge the debit card when no money in the account. b/c by default they let you overdraft and check your credit score.
Become an Authorized User on a 7 year old credit card with 24 months no missed payments. Highest Credit Limit Possible.
Best Visa Gift Cards are SimonMall. NO AMEX EVER. b/c can't trade for cash.
Can buy money orders. Lookup howto by googling manufactured spending.
