Using prepaid debit cards

Since most credit cards have a high spending limit, many users go on a shopping spree and buy stuff that they do not need and cannot afford. Repaying this amount increase your debt and results in a lower credit score. In the current economic conditions, where it is important to conserve every penny, it is advisable to use a prepaid debit card while shopping, so that you do not spend more than what you can afford.

A prepaid Mastercard is accepted at all places where a normal Mastercard credit card can be used, both offline and online. It can be used for making cash withdrawals from an ATM, however, there is a limit of 2 withdrawals per day, and some charges will be debited from the card. While using a prepaid Mastercard for making purchases at point of sales terminals in shops and supermarkets, it can be used as either a prepaid debit card or a prepaid credit card. For a prepaid debit card, a PIN will be required, and for a prepaid credit card, validation will be done using your signature.

You can load money on to your prepaid debit card by direct deposit or at a Green Dot Reloading Location. There are no fees deducted for loading the prepaid debit card by direct deposit. The minimum amount that can be loaded on to the card is $10 and the maximum amount that can be loaded is $2500. The maximum balance that the card can have is $2500, and it can be used to make a maximum of 12 purchase transactions in a day. The maximum transaction amount is $1,500.

The balance on the prepaid debit card can be either checked online or by calling the customer support number. In case the transaction value is more than the balance on the debit card, the card will be declined. In case the card is lost or stolen, users should contact customer support immediately.

Casino tax rebates

Gambling at casinos is a popular tourist attraction and thousands of tourists from Canada and other countries flock to casinos in USA to try their luck. Most of them pay taxes in their home country but still part of their casino winnings are withheld due to US federal laws which state that 30% of the amount should be withheld.

However, citizens of Canada and certain other countries like Austria, Czech Republic, Denmark, Finland, France, Germany, Hungary, Ireland, Italy, Japan, Latvia, Lithuania, Luxembourg, Netherlands, Russian Federation, Slovak Republic, Slovenia, South Africa, Spain, Sweden, Tunisia, Turkey, Ukraine, and the United Kingdom can get gambling tax refunds from the US government due to tax treaties. However, this involves some paperwork and documentation to be submitted to the relevant authorities.

Casinotaxrebates helps winners at casinos get a casino tax refunds at reasonable rates. The service is guaranteed and if an applicant does not get a refund, no fee is charged. They also help the applicant get an Individual Taxpayer Identification Number. Since gambling winnings and losses are reported annually, the tax recovery process starts at the beginning of the next financial year and takes up to 12 weeks.

Prepaid debit cards

Carrying large amounts of cash while shopping or traveling is both inconvenient and risky as it can be stolen. While credit cards may be useful, not everyone is eligible for credit cards, as the credit card issuer check the credit record and rating of the customer before issuing a credit card. Many customers using credit cards tend to overspend, and end up using a large part of income to service the debt.

By using a prepaid debit card like Mcashcard, a user can combine the convenience of plastic money with the advantages of using cash. A Mcash card can be purchased online or offline without any credit history either by paying cash, ACH or other convenient payment method. An Mcash card has an initial activation fee of $9.99 and a loading fee depending on the type of card and the method used to load cash. Users can transfer funds to another Mcash card holder free.

There are three types of mcash available which can selected dependence on the budget. These are an impersonal one time use Mcash card with a maximum load of $500, an impersonal re loadable Mcash debit card with a maximum load and balance of $2500 and a personalized re loadable Mcash card with a maximum balance of $10000 and maximum balance of $2500. No documents are required for a one time use card, but social security number and other information is needed for purchasing a re loadable Mcash prepaid Mastercard.

Student loans

In most large companies, your career depends to a large extent on your educational qualifications, but a getting a college graduate degree is expensive. There are only a limited number of scholarships available and even these do not cover all college expenses like tuition, books,lodging and boarding. Taking student loans is often the only option for students interested  in getting a college graduate degree.

Though federal funding is available for students in college, the borrower has to agree to the terms and conditions which are stringent and the loan amount may not cover all expenses. Private student loans are more flexible. Students can apply for these loans at any time of the year and repayment for private student loans can be deferred till the students completes graduation and gets a job.

Most of the applicants for the students loans are students who are studying for a graduate degree but college loans are also available for post graduate students and parents of the students. Both federal and private consolidation loans allow the borrower to repay all loans to a single agency and often reduce the amount to be repaid.

Compare credit cards

Today, credit cards are used for payment of most transactions both online and off line, and by choosing the right credit card, you can save a significant amount. In addition to low interest, balance transfer and instant approval credit cards, there are many credit cards that offer rewards when you make purchases with them. These include gas credit cards, hotel and travel rewards, cash back rewards,airline credit cards. Some credit cards are designed for a specific niche, like business credit cards, student credit cards and credit cards for individuals with a fair,good and excellent credit rating.

If you have a lot of credit card debt, you can significantly reduce the interest you pay by opting for a low interest credit card. Before selecting a particular credit card from the many low interest credit cards available, you should compare them on the basis the Introductory APR offered, the introductory APR period, annual fee and APR after the introductory period is over.

By doing a balance transfer, you can pay a very low interest rate or even zero interest on your credit card debt for an extended period of time and save money. The offers on balance transfer credit cards are usually available for a limited period of time and after the expiry of the period, if you still have an outstanding amount, you can transfer the balance to another credit card. The regular APR for these credit cards often depends on the credit rating of the individual.