Currently, the use of credit cards is frequent; especially, if you do not have the money or cash that is needed for payment momentarily. The prepaid credit card is an alternative; that’s why you’ll see how the Walgreens card works and is used.
A prepaid credit card allows you to anticipate a payment; since you can buy one and then add extra balance, to be spent later. Although it works like a credit card, it really is like a debit card.
There are many types of prepaid credit cards for different products or services. In them you can buy cards to watch Netflix, or buy Crunchyroll cards (an anime streaming); to mention a few examples.
Walgreens stores have several types of these prepaid credit cards; that is recharged with a minimum amount or another maximum. Many of them are associated with Visa and Mastercard.
What is the difference between a traditional credit card and a prepaid one?
Traditional credit cards must be paid in a specified time and this debt includes interest for the loan that the bank gave you; On the other hand, with a prepaid card, there is no outstanding debt, nor interest.
With traditional cards, you have the approval of a certain credit limit that the bank has considered that you should have, according to your previous references; while on a prepaid card, you know what you can spend according to the deposit that was previously made.
What are the benefits of using a Walgreens prepaid credit card?
Using a prepaid credit card from Walgreens or even other types has several advantages; of which we can mention the following:
- They are advantageous for those people who do not like to have cash, either for security reasons or for any other reason.
- Most businesses accept this type of card; and for buying products, you earn points that are accumulated, and then make additional purchases with discounts.
- If the client does not have a good bank credit record, and therefore it is difficult for him to apply for a traditional credit card, this is a good temporary option; to cover your daily purchases.
- Perhaps the most advantageous thing is that, you do not have to wait for the payment to be authorized on the purchase, because it is not needed; Since, the money was previously deposited on the card to be used later.
- A Walgreens card is very well accepted in most merchants, and once the balance on the card runs out, you can reload it; or if you no longer need it, you can delete it.
How does a Walgreens prepaid credit card work and is used?
First choose the Walgreens prepaid credit card with the Visa or Mastercard logo, or some other card of your choice; located in the publication specifications, presented by all Walgreens stores.
At Walgreens, you can get cards to top up your balance in the Apple Pay app, or buy a gift card to watch HBO. But to have the ones from the store, you will have to do the following:
At the checkout you can buy the card for $ 4.95 + the amount of the additional charge (from $ 20 to $ 500); then you must contact the phone number, which appears on the envelope of the card, or go to the website to register it.
You must follow the instructions and complete the personal information they ask for, either for the individualized or personalized prepaid card; the second will be sent to you by mail.
While the latter arrives, you can use the initial one, which is temporary; taking into account that it can only be used within the US, it cannot be used in automated teller machines, nor can it be recharged.
The personalized card you receive is permanent and you must activate it; either by calling the number that appears on said card, or making a purchase. Upon completion, you must discard the temporary card.
To conclude, we have been able to see that this type of prepaid credit card has its good advantages not only for users but also for merchants since this system of redeeming points attracts more commercial activity.
What are the credit cards that HSBC offers?
HSBC has a wide range of products for different customer profiles since in its portfolio there are plastics for those who are just starting out and do not have a high income, for those who do not want to pay so much interest or those who like to travel.
Low-interest credit card
The product that HSBC presents is the AIR credit card, which has a variable annual interest rate of 34.00%. Six months without automatic interest on purchases over $ 2,000 pesos. It allows you to pay the annuity in six monthly installments.
And there are also hundreds of discounts in various commercial establishments.
To be able to hire him, the minimum income requested by HSBC is $ 5,000 pesos. The annuity is $ 730 pesos.
Security: protection against theft, loss, or cloning; the forgiveness of balance in the event of the owner’s death.
Average CAT: 46.2%
Interest rate: 34%
Zero annuity card and zero commissions
HSBC Zero plastic does not charge an annuity or commissions, although it should be noted that there are certain conditions. For example, it is necessary to make a transaction of at least $ 1.0 each month, and in case of not making a said purchase, a commission will be charged to the card.
Another of its advantages is that it does not charge for the replacement of the plastic in case of loss, nor does it charge additional cards.
In order to obtain this card, it is necessary that the interested party has a minimum income of $ 5,000 pesos.
Security: price protection, against theft, loss, and cloning, balance forgiveness in case of the death of the holder.
Average CAT: 90.5%
Weighted average interest rate by balance: 41.80%
The credit card that returns 2% of purchases
HSBC 2Now is an option for those who wish to receive 2% of the purchases made in their plastic. This balance applies only to the first $ 50,000 pesos of purchases made per month and will be reflected in a maximum of two business days after the transaction.
It also has promotions and discounts in hundreds of establishments and the cardholder may exempt the payment of the Maintenance and Administration commission if he accumulates purchases greater than $ 2,500 pesos per month.
To obtain this card it is necessary to have a minimum income of $ 15,000 pesos.
Security: extended warranty and purchase protection. Protection against theft, loss, or cloning and forgiveness of balance in case of the death of the holder.
Average CAT: 82.7%
Average interest rate weighted by balance: 35.56%
HSBC cards with unique and exclusive benefits
HSBC Premier World Elite offers unique benefits on each purchase because for every dollar spent, two HSBC Premier Rewards points are accumulated, plus an additional point for purchases in travel money orders, restaurants, and fast food.
You can count on up to 12 months without interest abroad and all year. Likewise, the client has VIP access to 850 airport lounges, free Wi-Fi around the world, free parking for a limited time, and more benefits.
The minimum income requested by HSBC is $ 60,000 pesos. The annuity is around $ 5,700 pesos.
Security: Mastercard travel insurance, purchase coverage, protection against theft, or robbery at Mastercard ATMs. Protection against theft, loss, or cloning, balance forgiveness in case of cardholder death, card replacement in case of emergency.
Average CAT: 38.5%
Weighted average interest rate by balance: 19.11%
In this same segment, HSBC offers the HSBC Advance Platinum Credit Card, its benefits are 1.3 more Program points for every dollar spent, 12 months without interest on purchases made abroad, promotions in hundreds of stores. The income you are requesting is $ 35,000 pesos and the annuity is $ 2,408 pesos.
Among its benefits are free private transportation services to the Mexico City International Airport, exclusive guarantees in hotels with Visa Luxury Hotel Collection, unique benefits in trips with Visa Travel Experience.
Security: car rental insurance, international medical emergency service, travel accident insurance. Purchase protection, price protection, and extended warranty. Protection against theft or cloning, the forgiveness of balance in case of death of the holder.
Average CAT: 49.7%
Weighted average interest rate by balance: 27.11%
More HSBC credit cards
It is worth mentioning that the aforementioned assistance may vary, as well as the benefits. The CAT and interest rates were resumed in October 2020, so that each period the percentages could vary.
Therefore, it is advisable to compare the guarantees of HSBC and other cards. A support tool is the credit card simulator of the National Commission for the Defense and Protection of Users of Financial Services (Condusef), which offers detailed information on the cards of various banking institutions in one place.
Similarly, there are comparators that allow you to contact the chosen financial institution directly.
Requirements to contract a credit card at HSBC
Some requirements may vary for each type of card, although they generally require the applicant to be of legal age (between 18 and 74 years of age), not to have a negative background in the credit bureau, and, in some cases, it is required that the length of service is one year.
In the documentation, they may require an official identification, proof of address (electricity or property bill no more than two months old), and proof of income.
Depending on the card, they will also request that the client have a credit card from another institution or an account statement from the same bank.
How to Apply and Apply for a Chase Bank Credit Card – Quick and Easy
Chase Bank works as a banking and financial entity in the United States, it has a great trajectory and solidity in the market; It is a good option for businesses and individuals. The reason why you will learn, how to apply and apply for a Chase Bank credit card.
It is headquartered in New York and owned by JPMorgan Chase Bank; An international banking entity, but what is the definition of international banking? Basically, it has policies that facilitate international investment; but it also works as personal banking, with savings accounts, checking, and debit cards.
As well as the processing of credit cards, loans for homes and vehicles, mortgages, among others; Today, he has a great variety of cards of different kinds and for different uses; covering a good number of agencies and automated tellers nationwide.
Who is the Chase Bank option for?
It suits those people who need financial growth, with a quality service and proven security throughout the US; in addition to obtaining a variety of services that can be enjoyed online, or at its many branches and ATMs.
Additionally, it is not too much, take into account other alternative payment methods. For example: create an account in Payeer and request the card for free, or also pay with PayPal without a credit card or bank account.
What are the different credit cards that Chase Bank offers?
Chase Bank has a wide variety of cards, which are tailored to the needs of its customers. Since they can choose from a variety of thirty credit cards; but, we will only mention a few:
- Marriott Bonvoy Boundless card, suitable to be used in hotels.
- Chase Slate card, for debts you have on a credit card because it makes 0% APR balance transfers.
- Chase Sapphire Preferred Card, for travel and Chase Sapphire Reserve.
- The Chase Freedom and Chase Freedom Unlimited Cards, to return some cash, being its advantage that there is no annual fee.
- Southwest Rapid Rewards Premier Priority Card, for low consumption users who have to cover basic needs.
- Southwest Rapid Rewards Plus Card, to earn miles and travel.
- Southwest Rapid Rewards Priority Card, for users with high purchasing power.
- United Explorer Card, for people who travel constantly, and want to get a discount on the airlines or some miles.
How to apply and apply for a Chase Bank credit card?
The application is made online, for any of the credit cards. If your connection is slow, first try to speed up your internet to the maximum. Then you go to the Chase Bank website, click on “Apply Now” and fill out the application form with all your personal information.
You will fill in data such as your names, address, social security, driver’s license, email, telephone, date of birth and postal address; then all the financial and labor data are completed , about your job, annual income, if you pay rent, among others.
Now you must observe and take into account the restrictions that the request covers , and then click on “Accept”, then another click on “Send now”; Once all this is finished, the pre-selection is concluded; This may take a maximum of ten business days.
Once the previous steps have been approved, then you must go to the branch to open the account, here you must attach the paper documents and pay the amount corresponding to the opening, which can be in cash or by transfer from another bank.
However, it should be taken into account when making this request that the credit file must be flawless for at least the last six months, without delinquencies or other requests that have been denied by Chase Bank; that is, you must have a good credit rating , not less than six hundred points.
To conclude, we can say that this financial institution is presented as a recommended alternative, since, with the variety of cards available for different uses, you can choose the most suitable according to the plans you have; either in the present, or for the not too distant future.
How to apply for a personal cash loan without a bank account – Easy and fast
Most of the people, at some point, have had the need to request a personal loan from third parties to cover an emergency. If this is your case, we will teach you how to apply for a personal cash loan without a bank account.
People who already have a bank account have certain advantages; Even so, there are some requirements to apply for quick online loans. Immediacy is one of the advantages of fast online loans.
But requesting a personal loan and without a bank account deserves an investigation of the alternatives that exist, since some give it to you in a shorter time than others; such as private business lenders.
Requests that offer a guarantee facilitate their approval, even for the immediate delivery of large amounts of money; avoiding the paperwork required by a bank. However, the lender must be chosen carefully, as they must have professional ethics.
Another option that you can look for is at the level of those loans offered by individuals, such as relatives or acquaintances; which behave as legal loans by the Consumer Credit Contract Law.
What are private companies or individual lenders?
They are companies that facilitate your money, in the form of loans; With which you reach an agreement to pay it later, under certain conditions, although more flexible than those of a bank. But first, they analyze your data, profile, and the cause of the request.
These lenders generally offer not very high amounts necessary for people who want to start a business; although if they have a guarantee on a good, the financing is greater.
This means that you can also ask them for a loan based on a mortgage, for example, on your house or car, but it should be clear that when calculating the interest, they are very high.
In Mexico, for example, it is possible to contract a personal loan without a Credit Bureau , either online or in person . If you ask yourself , what is the Credit Bureau? ; is a private company that collects credit information from banks, for its lending associates.
How do loans work if you are looking for them with family and friends?
The most recommended option is to request the loan from individuals; It does not require so much paperwork, it is cheaper and the money is obtained quickly by being known people, as relatives or recommended.
All the conditions covered by this negotiation must be considered in advance; as well as the deadlines for future payment. It must also be recorded in the Treasury or Treasury, to avoid problems later with said body.
Another aspect to take into account is that, because we are known people, we are free to fulfill the commitment we have acquired, we must remember that this type of loan is protected by law; already mentioned at the beginning of the article.
Likewise, if the person does not wish to receive interest, it is also accepted and there will be no problems with the Treasury, as long as the corresponding return is presented; the famous six hundred, but they charge you interest or not, they are still declared.
What should we take into account when requesting a loan from individuals?
We must take into account that apart from family and friends, there are also individuals that you still don’t know and who are dedicated to making this type of loan to people who need it; therefore, we would take some forecasts.
Among them, it is important to have a support on the conditions of the loan, either written in a document or on the web through an email or any other means that protects you what was determined orally; with a copy for each one and of course signed by both parties.
The payment cancellation limit must not exceed thirty days, that is, one month from the moment of signing and the interest must not be exaggerated, as well as it must not require payment in advance on time.
To conclude, it can be seen that there are different options, but, we must choose the one that suits you best and above all, carry out an investigation before taking that decisive step so that you do not have any problems.
How to find a TikTok user – Sync friends from social networks
SHARE How to find a TikTok user:- Since its launch, TikTok has gained a lot of popularity among various groups...
How to Lock a Document in Microsoft Word
SHARE In this lesson, we will learn how to lock a document in Microsoft Word with a password. Well, for...
How to Edit PDF to Word Using Microsoft Word
SHARE The easiest way to edit PDF files is with Microsoft Word, usually, this is needed to tidy up the...
How to Give Password in Excel Document
SHARE Giving a password to an Excel document is really something you need to do, especially if the document you...
How to Generate Random Numbers in Microsoft Excel
SHARE How to make random numbers or random will be easiest when you use Microsoft Excel. Make no mistake, there...
How to Save a Small Document in Microsoft Word
SHARE Discusses how to save small documents in Microsoft Word, which some people may need. This is possible for Microsoft...
How to Print Documents of Certain Pages in Microsoft Word
SHARE This time we will discuss how to print certain page documents in Microsoft Word. Printing one page may already...
How to Randomize Names in Microsoft Excel
SHARE If We have previously discussed how to generate random numbers, this time we will share how to randomize names...
How to Cross Out Specific Data in Microsoft Excel
SHARE Microsoft Excel also provides a feature that allows you to cross out or give a line based on certain...
How to Quickly Change Case in Microsoft Word
SHARE You can quickly change the case of letters in Microsoft Word with the following keyboard combinations or shortcuts, let’s...
Phones2 years ago
Apple iPhone 11 (2019) – Release, Info, Leaks, Rumors
Phones2 years ago
Huawei’s New Operating System is HarmonyOS [ Officially ]
Tech2 years ago
Levi’s Bluetooth Jacket Lets You Control Your Smartphone
News2 years ago
Belle Delphine bath water – Instagram Model Sells Used Bathwater For 30$ To Their Loyal Followers