Best Prepaid Cell Phone Plans #best #prepaid #phone #plans #for #kids


Best Prepaid Cell Phone Plans

Lower costs. More flexibility. No credit check. No contract. There are many reasons to consider a prepaid phone plan and there are many options to consider. We evaluated the prepaid plans offered by more than a dozen wireless carriers to find the best ones, based on price and features. among other important factors.

Best prepaid phone plans with data

These plans hit the sweet spot for most smartphone owners, who use an average of 2GB to 5GB of data each month.

  • Plan name: Cricket Wireless Basic
  • Price (monthly): $40; $35 with autopay discount
  • At a glance: Unlimited talk and text with 4GB of data
  • Why we like it: Hits the sweet spot on monthly data for most users

What to know about prepaid plans

Prepaid phone plans are starting to mimic the traditional plans offered by major carriers such as Sprint, Verizon and AT T, minus the contract, credit check and expensive plan. Many prepaid providers are owned by those big-name carriers, which also offer their own prepaid plans.

There are some trade-offs with prepaid service, though. You pay full price for a new phone, rather than spreading the payments out over 24 months. So that iPhone 6S you’re eyeing will set you back about $650 upfront, instead of around $27 per month. And some prepaid carriers don’t carry the newest, most popular smartphones. But they almost all have the inexpensive phones — as low as $1 in some cases. Some prepaid providers will let you bring your own phone to their plans.

Before choosing a prepaid plan — or any cell phone plan. really — take stock of how you use your phone. If you regularly check email and Instagram, a pay-as-you-go plan is not for you. If you go days or weeks without using your phone, though, pay-as-you-go is a great option.

Updated August 3, 2017.


We evaluated prepaid cell phone plans offered by the following carriers: AT T, Boost Mobile, Consumer Cellular, Cricket, Google’s Project Fi, GreatCall, MetroPCS, Net10, Republic Wireless, Sprint, Straight Talk, T-Mobile, TracFone, Verizon Wireless and Virgin Mobile.

To determine the best plans, we looked at the monthly plan price before taxes and fees; high-speed data allotment; when applicable, the price per gigabyte; and features such as unlimited music streaming. We considered only national carriers, which ruled out regional providers like U.S. Cellular.

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Compare Credit Cards, Bank Accounts, Savings & More, #compare #credit


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Mobile Phone Distributors, How to Become a Wireless Master Agent #mobile


Mobile Phone Distributors – What You Need To Know!

Mobile phone distributors are a critical part of a prepaid wireless provider’s success! Are you interested in becoming a cell phone distributor? Here you’ll learn about what it takes to be a wireless master agent, how it works, the technology involved, and more! The fact is that the world of mobile phone distributors is fascinating, and can be the life blood of many wireless carriers.

What are cell phone distributors?
First, let’s define what exactly a distributor is and does. Different people will have different definitions and describe various scopes of responsibility, however, generally speaking the following points are very consistent. Having worked directly with prepaid wireless distributors for many years, I feel comfortable that the following information will help you get jump-started on becoming knowledgeable!

  • Distributors are often referred to as master agents. This is because they are at the top of the so-called distribution food chain. What that means is that while a distributor or master agent may sometimes sell phones and airtime directly to customers, they typically mostly sell wholesale to dealers.
  • In turn, dealers have their own stores, but also sell wholesale to smaller stores. Sometimes there is even a sub-dealer level between the dealer and the store level.
  • A cell phone distributor will buy phones and airtime discounted directly from prepaid wireless carriers. They will then mark up the price and sell it down to the next level.
  • Mobile phone distributors can have relationships with dozens, hundreds, or even thousands of stores beneath them. The layers under them are often referred to as their sub-distribution. Depending on the size, reputation, and policies of a prepaid wireless carrier, some wireless distributors won’t be able to work directly with a prepaid carrier. In other words, as a wireless distributor, you could have a direct relationship with a prepaid carrier, or you may have to work as a sub-distributor under another larger master agent who is working directly with the carrier.

What’s the best level?
This can become a very personal decision. Are you the type of person who wants to run a large distribution network, and deal with the operations, collections, and warehousing that comes along with that? Or are you the type of person who enjoys working day to day directly with the customer? The answer will likely be a combination of what you enjoy, as well as what are your strengths and capabilities.

There’s no doubt about it that the higher you are on the mobile phone distributor food chain, the more money you’ll make, and the faster you’ll make that money. The simple reason is because once you have a network of sub-distributors and stores, you’ll be able to sell hundreds, or even thousands of phones in one deal, versus the bottom of the chain, where you’ll be selling one phone at a time to the customer, which practically speaking, will simply take more time. But for that apparent ease, you’ll have more overall risk.

Consider if you were to buy 10,000 phones from a prepaid carrier. If you don’t have the operations in place to receive and ship out those phones in an efficient manner, it could take you some time before you get the products in the hands of those who will actually be selling them. And that doesn’t include the cost of paying for the phone (or topup) inventory, and the cost to store it. Many prepaid carriers require that distributors prepay for inventory. Some will give you payment terms (ex. net 10 days or 30 days), however, that is becoming less common these days. Even with payment terms, you’ll still need to get the product out, and get paid in time to pay the carrier for the inventory if you want to minimize your cash flow outlay to support your inventory.

As a side note, I’ve seen more than a few mobile phone distributors selling millions upon millions of dollars of phones and airline who have been extremely cash-strapped, and on the brink of bankruptcy! One operational issue, or trouble collecting money from your sub-distribution, and you’re toast! But don’t let that scare you off. Those issues really come down to poor management, and perhaps greed, trying to grow their business too quickly. If you’re wise, you should be able to profitably (and safely!) build your business without being on the edge of financial disaster.

What do you need to become a wireless distributor?

  • Relationships – You’ll need to have relationships with sub-dealers and/or stores. In my opinion this is the most difficult part. Building relationships with other dealers or stores is not easy. It takes a certain kind of person to seek out such opportunities and to sell your services. Due to the amazing potential to make a lot of money in the prepaid wireless distribution business, competition is fierce! You can target a specific neighborhood, type of mom and pop store, small convenience store, etc. Think about where people might want to buy a phone or topup their prepaid wireless account. Also consider what unique value you can add. Do you have special knowledge, insight, or existing relationships with a specific type of community? This should be considered a critical success factor, and will largely determine whether you should be a master cell phone distributor at the top of the chain, a smaller one, or somewhere in the middle. There’s really no “wrong” place to be. Wherever you fit in, and can apply your passion, you’ll have a chance to succeed!
  • Access to Technology – Depending on where you are on the food chain, you’ll need to have technology to process airtime sales. Usually the master cell phone distributor will provide access to technology to partners below them, so lets assume you’re at the top for the moment. You’ll need to partner with a Technology Service Provider (TSP). TSPs also have relationships with prepaid wireless carriers. The larger ones will have direct relationships, while the smaller ones will have indirect relationships. The closer they are to being direct, the more money you’ll likely be able to make (due to higher available margins). There are a number of technologies currently available, and depending on the dealers/stores that are selling your prepaid products, you may need one or all of these:
    • POS Terminals – These are Point Of Sale Terminals that typically look like credit card terminals. They can be used to sell electronic PINs (ePINs) or to perform PIN-less Real Time Replenishment (RTR) transactions.
    • Web Terminals – These are secure websites that provide the same products as do POS terminals, but can be accessed via the Internet, without the need for special hardware or equipment. Internet access, however, IS required.
    • Hot Cards – This product has been phased out of the market. These require minimal or no technology, and can often be purchased directly from the carrier or master distributors. The operational and fraud risks around this product lead carriers to get rid of it; I keep it here as a historical reference, and you may encounter people who talk about it even to this day.

To read about these technologies in detail, visit the Point Of Sale Technology page. As a cell phone distributor you’ll need to get a very good understanding of these replenishment technologies so you can sell your services to dealers and/or stores. You may only need one of them or all of them. Remember that you need to keep in mind the needs of YOUR customers (dealers and/or stores), as well as what the end users (wireless customers) need and prefer. Believe it or not, these are not always the same things!
Special Note: Depending on how large you are, as well as your relationship with your TSP(s) and sub-distribution, you may be able to get these technologies from free, you may have to buy them outright (ex. terminals), or you may be able to lease them. Depending on where your business lies in the food chain, you may be able to pass any costs down to your sub-distribution.

  • Money – You’ll need to either have cash on hand, or access to money from banks or investors. You’ll need this money to pay for technology, warehousing, staff, and of course, prepaid phones and prepaid airtime. Although people tend to worry the most about getting money, I put it last because it really is the easiest part of the equation! If you have good relationships and access to technology, you’re well on your way to building a successful cell phone distributor business, and finding the money will be the easiest part!

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Call the Philippines at Bargain Rates – OneSuite Cheap International Calls

Cheap Calls to the Philippines

OneSuite Long Distance Features

PINless dialing: register up to 3 phone numbers in your OneSuite account to go PINless.

RapidDial phonebook: assign a 2-digit code to your international contacts, so that’s all you have to dial to reach them.

Favorite 10: turn any international number into a local US/Canada number, and save to your cell phone’s contact list. Available to US/Canada users.

Free OneSuite smartphone app:

iOS | Android

Free computer softphone: make international calls from Windows or Mac while traveling worldwide with Internet.

Why Choose OneSuite

Multiple ways to make cheap international calls to the Philippines: OneSuite Hybrid Long Distance means you can make calls with or without internet from worldwide. Use OneSuite like a international phone card, dial around service, long distance service, or VoIP softphone to call the Philippines.

Hassel-free dialing for multiple devices: whether you use a touchtone phone, cell phone, or a smartphone, OneSuite has a feature to enhance your dialing experience to one-touch, 4-digit dialing, or direct dialing to the Philippines.

No contracts, no hidden fees: Pay-as-you-go! No taxes, surcharges, pay only for the minutes you use.

Real-time call records: monitor online usage history for absolute transparent billing.

Live 24/7 customer support: got a question? Get in touch via email or call 1-866-417-8483.

How to enjoy your free internet fax service when you try OneSuite:
*Sign up for a OneSuite account, log in to your account, click on “OS Fax,” your free subscription code will already be filled in so you can enjoy a FREE 1-month trial of OneSuite Fax Plus. The offer is limited to a one-time free trial, one fax number subscription per OneSuite account, or per OneSuite Business sub-account. The outbound fax usage will be deducted from your OneSuite account balance in accordance with the fax rates listed on our Rates page.


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Bad Credit OK Credit Cards and Prepaid Debit Cards #bad #credit

Bad Credit OK Credit Cards and Prepaid Debit Cards

Credit cards and prepaid debit cards for “bad credit” feature approval standards geared toward helping consumers with an imperfect credit history obtain a line of credit. Many cards feature monthly reporting to the major consumer reporting agencies, which enables the cardholder to have their payment history added to his or her credit profile. See below for today’s top credit card and prepaid debit card offers for people with bad credit, along with links to each card’s secure online application.

Credit One Bank® Unsecured Visa® for Rebuilding Credit

  • Credit One Bank automatically monitors every account for credit line increase opportunities each month. We’ll let you know as soon as you’re eligible for a higher credit line. A fee may apply.
  • See if you Pre-Qualify without harming your credit score. Find the card that’s right for you in less than 60 seconds.
  • Eligible purchases will automatically get you 1% cash back, terms apply.
  • This is a fully functional, unsecured credit card not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • Enjoy peace of mind with $0 Fraud Liability
  • Email and text alerts remind you when your bill is due, your payment posts, or your available credit is running low

Credit One Bank® Unsecured Platinum Visa®

  • No security deposit required. Get a 100% unsecured card that can help grow and build credit.
  • Focused on growing or rebuilding your credit? We report account activity to all three major credit bureaus each month to help keep your credit score up-to-date.
  • Find out if you’re Pre-Qualified without harming your credit score. It’s fast, easy, and secure.
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • Get 1% cash back on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
  • Your account is safeguarded against unauthorized charges with Zero Fraud Liability at no additional charge
  • Stay in-the-know about your account with custom email and text alerts that remind you of your payment due date, notify you when a payment posts, or warn you if your available credit runs low
  • Show off your style with a premium card design, a fee may apply.
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus

The First Access VISA® Credit Card

  • Get the security and convenience of a full-feature, unsecured VISA Credit Card accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won t
  • You may be eligible for a Credit Line Increase after six months
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7
  • Issued by Mid America Bank Trust Company, Member: FDIC


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Travel and Money: Using Prepaid Travel Cards #cheapest #airline #flights

#travel credit cards

Travel and Money: Using Prepaid Travel Cards

Your Money Working Harder

Traveling safely and managing your money along the way is an exercise in balancing multiple risks: theft, loss, high surcharges, and confusing discrepancies. This Travel and Money series discusses various ways to address money and security issues while you are abroad.

Today, the topic of discussion is Prepaid Travel Cards. which can be a useful and secure alternative to debit cards and credit cards. as well as a way to hedge against currency risk. (See also: 5 Essential Travel Tools )

Prepaid Travel Cards Basics

A prepaid travel card is generally usable in the place of a debit or credit card. You can withdraw cash at an ATM, pay for purchases, and make travel reservations. And as the name suggests, you prepay these expenses by loading money onto the card.

It is just as secure as a debit or credit card, since the prepaid travel card is protected by a PIN and/or signature. In fact, some would say that prepaid travel cards are even more secure, since the money is not linked to your bank account and has a limited balance (which limits your exposure).

It can also be a handy tool for budgeting. since you would load only the money you plan on spending for the trip onto the card, which helps you stick to your travel budget .

Where to Get a Prepaid Travel Card

Plug in a simple search for Travel Money Card and you’ll find a number of financial institutions offering prepaid travel cards that are ultimately backed by credit card companies.

  • Although these cards look and act just like credit cards, they operate on your prepaid balance instead of credit.
  • You can use them anywhere credit cards are accepted, including at the ATM for cash withdrawals.
  • You load money onto the card by direct transfer from your bank account. You can keep loading up the card as many times as you like.
  • If the card is stolen or lost, your bank account and credit rating won’t be compromised. PIN and signature cross-checks also help to keep your cash secure .
  • You load your home currency onto the card, and money is converted with each purchase, using the prevailing rates on the day of purchase.
  • Watch out for:

    • Keep an eye on the monthly fees, which can be upwards of $2.50US.
  • You’ll probably also get dinged for fees for activation, re-loading money, and making your first purchase.
  • Every time you use an ATM, you could see a fee.
  • If you don’t use all the money you loaded on the card (and don’t keep the card after the trip), you could pay to cash out your funds (e.g. $20).
  • Some vendors and cards require minimum amounts to be loaded on the card before you can use certain features. For example, if you want to use your card at an automated gas pump, you’ll need at least $50 on your card.
  • The currency conversion charge can be up to 7%.
  • Travelex Cash Passport

    Travelex has their own prepaid travel currency card called Cash Passport. They include but are not limited to cards backed by various credit card companies.

    • You pre-pay for a specified currency in advance, thereby locking in the exchange rate when you load money onto the card (instead of paying the prevailing rates each time you use the card).
  • You can use the card anywhere debit cards are accepted.
  • Cash Passports are currently only available in US Dollars, Euros, or British Pounds.
  • Watch out for:

    • Similar to prepaid travel cards from the credit card companies, you’ll be on the hook for monthly fees with Cash Passports, too; around $2.50US.
  • Keep the number of ATM withdrawals to a minimum, since you will pay for it each time.
  • UK Residents

    If you are in the UK, check out the FairFX Currency Card. which provides US Dollars or Euros and boasts favorable currency exchange rates.

    Overall, I don’t use or plan to use prepaid travel cards, for a few reasons. First off, as a full-time traveler. I tend to juggle many different currencies, and these cards seem a little restrictive for my needs. I also don’t like the monthly charges and some of the currency conversion fees.

    If I didn’t own a credit card, I might actually see some value in traveling with one of these prepaid travel cards; however as a devout credit card user. I think I’m pretty well covered (earning frequent flyer miles to boot).

    Do you have experience with prepaid travel cards? Please share in the comments!

    Other articles in this Travel and Money series:

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any bank, card issuer, airline or hotel chain.


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    The Best Prepaid Travel Cards. #tauck #travel

    #travel credit cards

    The Best Prepaid Travel Cards

    What’s the best way to carry money when traveling abroad? There are more options than ever before, and yet it’s hard to find a payment method that offers maximum convenience and security essential features for most travelers.

    Most people simply bring their credit cards or debit cards with them. Plastic is more secure than cash, and there’s no need to worry about bringing enough funds.

    However, there are drawbacks to using credit cards overseas as well. For example, Americans traveling in countries with the new chip-and-PIN standards for credit cards are increasingly finding that their credit cards are no longer universally accepted .

    At the same time, travelers cheques, like those traditionally issued by American Express, are slowly becoming outdated. According to industry experts, not only are travelers checks more cumbersome to deal with, they are also becoming less accepted overseas.

    If you prefer leaving your credit cards at home, consider bringing a prepaid travel card instead. Prepaid travel cards can be used anywhere credit or debit cards are accepted, including at ATMs. The money loaded on the card is converted to the local currency with each purchase, using the dominant exchange rate of that day.

    Users have the option to reload the card as many times as needed, no matter where they are. In addition, some prepaid travel cards, like the Travelex, feature chip-and-PIN security technology, meaning that the card will be approved in places where American credit cards might not be approved.

    Prepaid travel cards do have downsides, including costly fees and, in some cases, poor conversion rates. And if you have extra money at the end of your trip, some cards may require you to pay a fee to get your money back.

    “Most prepaid travel cards are not as good a deal as regular credit or debit cards,” says Ed Perkins, a contributing editor at “However, people still like them because they limit your losses; you can’t lose anything more than what you have on the card.”

    It used to be that any prepaid credit card could be used overseas. However, international drug traffickers were quick to catch on to the fact that they were a great way to transport drug money from the U.S. so that loophole has been closed.

    These days, when planning a trip abroad, it’s important to specifically get a prepaid travel card, not just a regular prepaid card. Here is a list of the most common prepaid travel cards and their key features.

    The Visa TravelMoney card

    Pros: Security features are this card’s strong points. If the card is lost or stolen, the Visa TravelMoney card offers emergency card replacement and cash that is generally delivered within one business day. The card also comes with zero liability protection from fraudulent use, as well as reimbursement for lost luggage. It can also be easily reloaded online or over the phone.

    Cons: Downsides include high fees and a 7 percent currency conversion rate. In addition, the card is not chip-and-PIN compatible.

    Where to get it: The Visa TravelMoney card is available at many chain drugstores and supermarkets, as well as at big box stores. At the time of publication, it was not available online.

    Travelex/MasterCard Cash Passport

    Pros: The biggest draw of the Travelex/MasterCard card is that it can be loaded with different currencies of your choosing, including U.S. dollars, Euros or English pounds. Another key advantage of the Travelex MasterCard is that this prepaid card is fully equipped with chip-and-PIN technology, so you won’t have to worry about whether the card will be accepted overseas.

    The Cash Passport also has several of the same security features as the Visa model, including zero liability and 24-hour security support. In addition, the card enables cardholders to get their dollars back without an exchange penalty.

    Cons: The main drawback is the card s poor conversion rates, which are higher than for credit cards and other prepaid travel cards. However, many travelers will find that this is a price worth paying for the added features, particularly the chip-and-PIN compatibility.

    Where to get it: The Travelex card is available in local retail stores and online .

    Pass from American Express

    Pros: It’s kid-friendly. The American Express Pass card is aimed at parents of teenagers or young adults for use both domestically and overseas. For parents sending their youngster out to explore the world, the card has several attractive features.

    “Many people use prepaid travel cards for their kids,” says Perkins. “They can put $500 on the card and not have to worry about losing more money. There’s enough to worry about when your kids are traveling as it is, so many appreciate the extra peace of mind.”

    Parents have the ability to add money, check the balance, view the transaction history and set up alerts. The card is a great way to make sure your kids has the money he or she needs and keep an eye on what your kid is spending money on.

    Like other American Express cards, Pass comes with purchase protection and GlobalAssist, which will direct cardholders to English-speaking medical and legal professionals, as well as to people who can help with lost passports.

    Cons: Like the Visa TravelMoney card, the Pass card does not feature chip-and-PIN technology a definite drawback. According to an American Express spokesperson, American Express currently has no plans to add chip-and-PIN features to the card.

    Where to get it: The Pass prepaid travel card can be ordered online at the American Express website.


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