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For millions of credit challenged consumers, prepaid credit cards allow access to many of the functions of a regular credit card. Millions of unbanked individuals and households use prepaid credit cards to obtain many services associated with savings and checking accounts, including online bill payment, direct deposit and ATM access.

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This week my husband received an unsolicited Visa debit card from a firm called netSpend. It was certainly an odd experience to receive a card that looked official instead of a pre-approved ...