The unbanked consumers are those who do not have an account in any of the banks or financial institutions. These consumers do not have the chance of enjoying easy transactions by making payments through electronic technology. Bad credit history is the main reasons why certain consumers do not have a checking account. Additional to the three popular credit bureaus there is another credit reporting agency Chexsystems which tracks the complete data of those who apply for a new bank account. If any of the applicants has a bad banking relationship in the past, that’s it, there is a direct dismissal. As the agency gives the date after an intensive screening, most of the banks and credit institutions rely on this agency to have better banking customers.

Such rejected applicants need not have hard feelings for not having a credit card like their friends and shop their needs comfortably. There is an exclusive online service called Account Now where the unbanked consumers are able to get through and acquire Prepaid Cards. The service assures 100% guaranteed approval to all applicants and does not compel any rigid credit formalities like Chex Systems. Unlike the credit cards, these prepaid cards cannot be used extravagantly. It can be operated and spend only with the money that the consumer has in his/her account. They would pay out very cautiously which would automatically improve the credit profile and brings high ranking. They also do not have the burden of borrowing money and pay high financial charges. The card holder has complete benefits that other credit cards support like purchases, reservations, paying bills, withdraws cash at ATM etc. Additional to these, Account Now also offers iAdvance Line of Credit Loan Program which is quite similar to payday loans offered during emergency financial crisis. Browse accountnow.com and sign up an account to apply for Prepaid Credit Cards

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