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Here are the nine things you need to know about general purpose prepaid cards. They are technically debit cards– when you use them, you’re spending your own money, not the bank’s.
Unlike traditional debit cards, however, you don’t need a bank account to use a prepaid card.
An contains a six-digit issuer identification number (IIN), an individual account identification number, and a single digit checksum.
The first digit of the issuer identification number is the major industry identifier (MII).
And because the fees merchants pay to accept debit cards (including prepaid debit cards) are lower than those for credit cards, there may be places that will accept your prepaid card, but not credit cards. By March 2015, customers had loaded billion onto the American Express prepaid cards, Serve and Bluebird.Thinking about picking up a reloadable prepaid card? In 2015, more than half of all Americans purchased a prepaid card for personal use, compared to 19 percent in 2008, according to Synergistics Research Corp., which studies the prepaid market.There are more than a dozen types on the market now, and plenty of variations that can make them a wonderful or terrible choice. Prepaid cards look like credit cards and spend like credit cards but there’s no credit behind them.A valid credit card number (also known as Primary Account Number - PAN) has several fields and each of them has a meaning.For the technically inclined, this number complies to the ISO/IEC 7812 numbering standard.