strippedaway

Thanks for replying. You're right, it's a purchase card. I've always seen it referred to as a prepaid credit card so that's how I've come to call it. I do realize that I place my own money on to it and that it does not effect my credit rating. At the moment I'm unemployed and looking for a job (I was in school and various job workshops up until recently), so that's the reason I'm thinking I'd be unable to obtain a credit card at the moment. I have no debt or anything like that so far. As for getting a debit card with the MasterCard or Visa logo, my bank isn't actually BMO (they just happened to have the best prepaid card) and does not offer such a debit card. Although they do offer a credit card. And thanks for the luck! Hopefully the card is a good substitute until I can get a real credit card.

I was wondering in anyone had any experience with this prepaid credit card: http://www4.bmo.com/creditcards/prepaid/0,4978,35649_78277469,00.html I'm looking into getting it for these reasons: I most likely can't get a regular credit card right now It would make buying online a lot easier (I currently have to wait a week to upload money to PayPal via my bank account. Not good if there's a sale) It would allow me to finally buy things off of Amazon It offers Extended Warranty and Purchase Protection It appears to have the lowest fees when it comes to prepaid cards I'm also hoping it will enable me to get Netflix. I read online that one person had success with it; saying that while Netflix recognizes this card as 'prepaid' and thus won't accept it directly, they have accepted it through PayPal. If anyone else has done this, I'd be curious to hear from you. Not being regular credit card 'material' at the moment, I figure this card is not a bad alternative for the time being. If anyone has any experience with it or input of whether or not this is a good card to get I'd love to hear about it.