The Vanilla Visa Card is a great gift for a young adult on his or her birthday, and it's a perfect choice for a birthday present for a parent or sibling. This card is available to everyone. Even if they've never had their own card, they can still use it as long as they meet the basic requirements for the card and spend a specified amount of money on purchases with their card.
The Vanilla Visa is available at several stores and online. The Vanilla Visa Gift card comes in a cute, sealed package which features on the outside a “Happy Birthday” note and the Visa logo embossed on the front side. The card can hold up to a dollar amount. The card also has a logo and is accepted at over 300 retail stores across the United States. You can purchase the card at many different retailers and some merchants that accept Visa cards.
One of the great things about this card is that you can choose how much you want to spend on your purchases every month. There is no maximum amount you can spend on any one item. If you are using the card for a large purchase, like a vacation, you may want to choose a higher limit to ensure that you have enough cash available when you need it. The card is not tied to any particular store or retailer. You can use the card anywhere Visa is accepted and at any time. It will allow you to use your card at all participating merchants.
Most people choose to get a new card for the first time during their senior years. They can use their old card to make small purchases, but they prefer the convenience of using the Vanilla Visa card. The benefit to purchasing your card online is that you can use the funds from it at participating merchants right away. There is no waiting period before you can use the card. If you don't already have a card, you can apply for one immediately with the same ease and simplicity as applying for a regular Visa card.
Because the card is designed for those who have never had a credit history, it makes sense to shop around to find the best offer. There are many websites that offer the Vanilla Visa card for free with no obligation. After you find the best offer, you can complete the application online and wait to receive your card. If you qualify, your card will be mailed to you in a few business days. or can make your purchase at a participating retail store, you will receive your card within a couple of weeks. After you have received your card, you will have access to your spending limits and be able to spend your credit line as you see fit. The terms of the card are set up in a way that allows you to increase your spending limits once you have met the initial spending requirements, without penalty.
Don't forget to check into the APR. Some cards are lower than others, so you'll want to shop around and find the best offer. If you don't have a lot of credit history, you may be able to get a very low interest rate by simply increasing your balance. The APR varies by issuer, but there are some sites that offer competitive interest rates. to people with poor credit. It's a good idea to compare the offers to determine which one is the best deal.