Usa Credit Card

Prepaid cards are getting cheaper, but still flawed

Prepaid cards are re-loadable cards that can be used anywhere credit or debit cards are accepted. They're popular with people who can't afford a traditional bank account, or who have been turned off by overdraft fees and other costs. They also offer a way for consumers who don't have credit cards to shop online. That's not the type of person you usually see in American Express ads. But the market for prepaid cards has grown so large that big financial companies can't afford to ignore it.

American Express says its prepaid card is a cut above the rest. There are no activation fees, and it's free if you buy it online. Also, the card gives users access to American Express perks, such as roadside assistance, coverage for theft or damages of card purchases and trip-planning services.

Prepaid vs. debit

More than 17 million Americans don't have bank accounts, and that number could grow as checking accounts become more expensive. The broad financial reform bill Congress enacted last year required the Federal Reserve to place "reasonable" limits on the fees banks charge retailers every time a consumer swipes a debit card. That rule is scheduled to take effect July 21. To make up for the loss of billions of dollars in swipe fee revenue, many banks and credit unions are adding fees for services that used to be free.

Before long, "free checking may be a thing of the past," says Bill Hardekopf, chief executive of LowCards.com.

Prepaid cards offer "unbanked" consumers a safer and less expensive alternative to check-cashing stores and pawnshops, prepaid card issuers say. Many prepaid issuers allow card holders to have their paychecks direct-deposited to their cards. Card holders can also use the cards to pay bills.

Still, prepaid cards have plenty of detractors. Consumer groups say many of the cards are loaded with activation, reloading, maintenance and other fees that can quickly erode the card balance. In May, Florida Attorney General Pam Bondi announced that she was investigating five large prepaid card companies for possible unfair and deceptive practices.

Compared with other prepaid cards, the American Express version "is definitely an improvement in that the number of fees has been drastically whittled down," says Michelle Jun, an attorney for Consumers Union .

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