Saturday Tips: Managing Prepaid Debit Cards

Saturday Tips: Managing Prepaid Debit Cards


When you use prepaid debit cards, like the Kaiku prepaid debit cards for under 18 year olds, they are not the same as credit cards. It is important to understand that you cannot put debt on these cards or spend more than you already invested in them. When you get the cards, you put the money on them in advance, and then you can use them only to spend that money. The most important tip for managing how you use these cards is to understand this fundamental setup and not to attempt to use the card for something that you cannot afford.

If you are used to credit cards and you think that you might accidentally spend the money too quickly, it can be a good idea to set up a budget, just like you would with cash. The top limit on the debit card should define that budget. This way, if you just spend on your set schedule, you know that you are always going to have enough money on the card to afford what you need. You do not have to think about it or worry about it.

Another important thing to do is to call the card company and ask them how much is left on the card if you forget. They should have an automated system that you can use to check the balance. This can also be done online. Keeping an eye on it ensures that you know what to spend and when to recharge the card.


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