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Do Prepaid Cards Work for Netflix?



Streaming channels put the power of what you watch in your hands. Hulu and Netflix are two of the biggies, but many others have joined them over the years. There are streaming channels for Broadway enthusiasts, fans of British TV, movie buffs, sports fans, and many others. When it comes to paying for these monthly subscriptions, what are your options?  You need to read the fine print and make sure you qualify for a prepaid card to avoid frustration. You may have to give up your first choice, but you’ll find the right prepaid debit card and apply online.

You don’t have a credit card and think that means you can’t have a Netflix subscription. That’s not the case. Netflix offers several payment methods to make it easy. You can use a credit card, but you can also use virtual cards, gift cards, and PayPal. If you have Comcast Xfinity or Cox, you can discuss having Netflix payments added to your cable bill.

Yes, Netflix accepts prepaid cards, too. Prepaid cards are required to have an American Express, Discover, Mastercard, or Visa logo. That covers a great range, so it’s unlikely that you’ll have a hard time paying for Netflix.

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No late fees or interest charges because this is not a credit card it is a prepaid card.

Why Stream?

Why would you stream? That’s easy. It’s cheaper than a cable subscription. You need internet service, but most households pay for the internet anyway.

Video streaming started in 2007. Netflix’s Watch Now debuted on computers and allowed people to watch up to 18 hours of videos per month. It helped end the need to drive to a movie rental store and drive back in time to return it without late fees. Netflix was already a leader in that game by being the first to offer mail-order movie rentals that came in postage-paid mailers.

By 2020, almost half of all U.S. adults were subscribed to at least one streaming service. Streaming TV shows, movies, and music allows you to customize what you watch or listen to. Instead of paying for channels you never watch, you pick your preferred subscriptions knowing there are shows and/or movies you’re interested in.

Today, people pay a monthly fee and watch unlimited hours of movies, documentaries, and TV shows. Netflix has many of its own movie and television productions, too. Thanks to Netflix, there’s been a technological revolution where people drop expensive cable TV service and customize their viewing habits to match their tastes.

Netflix may have started the “Cut the Cable” trend. Since then, dozens of other companies have joined the list of streaming channels. Some, such as Acorn or Britbox, specialize in shows from a specific country. Others, such as Sling, offer programming from several channels for one price. There are streaming channels for sports, reality shows, musicals, etc.

What About Payment Methods for Other Streaming Services?

Netflix welcomes prepaid cards, but what other about services? What do they take? If you’re using a prepaid card, you’ll be happy to know that they work with many other services. Services like the Roku Channel and TubiTV are free and never require payment. Some offer free trials for a week or two before you pay. Others require you to pay a monthly or annual fee straight away.

Most streaming services take prepaid cards, but the cards have to allow recurring payments. Usually, a prepaid card from a major credit card issuer like Mastercard or Visa works well. These are the preferred payment methods for a large range of streaming services.

  • Acorn – If you sign up directly through Acorn.TV, credit and debit cards are accepted. If you signed up through Roku or iTunes, you must use the payment methods those sites allow.
  • Apple TV+ (Movies, TV shows, and pay-per-view options)– PayPal, some prepaid cards, and most debit and credit cards are accepted.
  • BritBox (British shows, documentaries, and movies) – Prepaid cards are not always allowed. You must call and make sure the card issuer allows recurring payments.
  • Disney+ (Disney, Pixar, National Geographic, and Marvel programming) – Disney takes credit and debit cards from American Express, Discover, Diners Club, Mastercard, and Visa. U.S. subscribers can use PayPal, too.
  • HBO (Movies and shows) – HBO Max, HBO Now, and other HBO streaming services do not take PayPal. You need to use a credit or debit card from one of the main issuers, such as Mastercard or Visa. You may get the streaming service free if you’re an Xfinity or AT&T customer.
  • Hulu (TV shows, movies, and documentaries) – Mobile phone users can pay for Hulu with Venmo. PayPal, credit, and debit cards are also available.
  • Showtime (Movies and shows) – Debit and credit cards carrying the American Express, Discover, Mastercard, and Visa logos are accepted. PayPal is also accepted.
  • Sling TV (Programming from channels like A&E, CNN, HGTV, TBS, and dozens of others) – Use a credit card or debit card from American Express, Discover, Mastercard, or Visa. No other options are available.
  • Starz (Movies and shows) – Use a debit or credit card from Discover, Mastercard, or Visa. Gift and prepaid cards are allowed, but you need to make sure enough funds are remaining before the monthly charge is processed.

These are just a handful of your streaming options. Just remember that most prefer debit and credit cards from Mastercard and Visa. Prepaid cards are usually allowed if they will approve recurring payments. If not, you could use the prepaid card to purchase a year’s gift subscription to the streaming service.

Top Features:

No late fees or interest charges because this is not a credit card it is a prepaid card.

How Do You Use a Prepaid Card on Netflix or Another Streaming Service?

Enter it the same way you would a credit card. You’ll have a card number, expiration date, and CVV number with a Mastercard or Visa prepaid debit card. Remember that the monthly or yearly fee will be charged on the specified day. You need to make sure there are funds on the card. If not, the charge will be denied.

Make sure your address matches with the streaming service and information you’ve entered with the prepaid card. If there are discrepancies, it could cause your charge to get declined.

The Best Prepaid Cards for Netflix and Streaming Service Subscriptions

If you’re looking for a new prepaid card, which is the best for Netflix subscriptions? As Netflix accepts Mastercard and Visa cards, these are three of the best prepaid cards for streaming services.

NetSpend® Visa® Prepaid Card

The NetSpend® Visa® Prepaid Card is a great choice for a prepaid card with no interest charges, no late fees, and very low monthly fees ranging from $0 to $9.95, depending on how you use and fund the card. The card performs no credit background check, it has no minimum balance requirement, and no activation fee.  Applying is fast, easy, and secure.

PayPal Prepaid Mastercard®

Sign up for a PayPal Prepaid Mastercard® and find out how convenient a prepaid card is. PayPal is accepted almost anywhere and offers cash back rewards each month. Once you realize how great the prepaid Mastercard is for daily purchases and subscriptions, refer your friends and receive rewards.

Control ™ Prepaid Mastercard®

The Control ™ Prepaid Mastercard® gives you control over your spending and experience. Start with a prepaid card that you design yourself. You’re not stuck with a card that the credit card issuer picks if you want something unique. You’re welcome to join the Cash Back Rewards program and get money back when you make qualifying purchases.

Open an optional savings account attached to the card and earn interest on any balance you build up. Another card benefit is the $10 Purchase Cushion that covers up to $10 extra if you’re a little short on cash. With this perk, your purchase is approved and you add the funds to cover it after the fact.

How Do You Apply?

Apply and have an answer in minutes. As a prepaid card is funded before you use it, it’s unlikely your application will be denied. If you are, it’s usually that you gave incorrect information. Double-check your answers to questions before you submit your application. Pay close attention to your SSN or ITIN as you don’t want them looking up the wrong tax ID number by accident. When you fill out the online prepaid debit card application. You’ll be asked to provide your:

  • Full legal name
  • Mailing address
  • Date of Birth
  • Contact number
  • SSN or ITIN

You’ll be given a choice if you want to use your prepaid card to get direct deposits for your pay, tax refunds, or government benefits. You do not have to take advantage of direct deposit if you want to opt-out. You’ll also have the option of getting cash back rewards and overdraft protection. If there’s a choice of card designs, that’s your final step. Sit back, see if you’re approved, and wait for your new prepaid debit card to arrive in the mail.

Prepaid cards suit people with bad credit but are also a great choice for people looking to organize their finances onto different cards or even trying to isolate their charges onto a dedicated card. Apply online and have approval in minutes. You load the card with funds at a store, participating business, or online. A prepaid card is convenient and widely accepted including for Netflix!

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No late fees or interest charges because this is not a credit card it is a prepaid card.

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Bad Credit

Is The No Credit Check Loan The Best Option For You? | Branded Voices



If you need extra cash and have considered applying for a loan even with a bad credit score, you might have already heard about the no credit check loan.

Image by Bermix Studio 

Many people opt for a no credit check loan as their last resort. Like any other loan options, a no credit check loan has its pros and cons. Knowing if this is the best option for you allows you to go consider both its advantages and disadvantages. 

But is it your best option? Is there another way to acquire cash without looking into your credit record?

The Advantages

Here are the other advantages of a no-credit loan:

No Credit Checks

You are considering this loan option because the lender will not bother to check your credit report. It doesn’t matter whether you have a good or a bad credit score as long as you are eligible and can comply with their requirements. 

This benefit is one reason why this loan option attracts many borrowers, especially those who don’t have an impressive credit score and those who are still building their credit records.

Other loan options will require you to provide a good reason why you are acquiring the loan. 

For example, lenders will ask you how you will use the loaned money aside from knowing your capability to repay the money you owe.  But with the no credit check loan, lenders will ask you this kind of question during your application. 

The Disadvantages 

Just like any other options available out there for you, a no credit check loan also has its disadvantages. These things may be huge factors for some consumers, while to others, they’re just minor inconveniences you need to deal with. 

Higher Interest Rates

One of the most common and obvious disadvantages of a no credit check loan is its higher interest rate. Since the lenders will not bother looking at your credit history and rating, they will impose a higher interest rate on your loan. 

The higher interest rates imposed are due to risks they take in lending you their money without even knowing if you can pay it back. This is a common rule for all lenders who offer a no credit check loan. 

Required a Minimum Loan Amount 

If you only need a small amount, a no credit check loan may not be the best option for you. Lenders require a minimum loan amount when you apply for a no credit check loan. Most personal loans with no credit check will require you to loan a higher amount than other loan options such as payday loans and single-payment loans. 

May Require A Collateral

Lenders may require you to have collateral as an assurance for the money you are borrowing from them. It is also to secure their part if ever you cannot pay back the cash you borrowed from them. If you default on your loan, the lender will forfeit the collateral. Collateral can be in the form of any valuable assets such as a house, vehicles, and jewelry.

Quick Process 

Another positive thing when acquiring a personal loan with no credit check is the speedy process. You can get the money in just a few minutes or hours as long as you comply with all of their requirements and are eligible for the loan.

Reminders Before Applying for This Loan 

There are things that you should watch out for when opting for this loan type, especially if you do it online, such as:

  • Watch Out For Fake Lenders

This is the risk associated with a no credit check loan. Some criminals use this to lure their victims for phishing and identity theft. Make sure that you choose a legitimate lender and never give out personal information prematurely. It is best to ask someone you trust for a recommendation or for help with securing a loan from a trusted lender.

  • Prepare The Requirements Ahead Of Time 

It is best to prepare all the requirements before applying for the loan to help you acquire the money quickly. Check your chosen lender’s website or print ads for a list of requirements they will need. 

Even though this loan option does not require a credit check, it does not mean you are guaranteed approval. If the lender finds out that you are not eligible for a loan, your application will be denied. 


Asking yourself if a specific loan option is good for you is one of the proper ways to assess if you should apply for it or not. This practice should be observed in applying for no credit check loans and other loan types available. Remember, not all loans are suitable for you. One loan may work better for others but may not work the same for you. Hence, be prudent and choose the loan option that suits best with your financial needs.

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Bad Credit

Learn to avoid these credit card habits before you regret making costly mistakes



Picture used for illustrative purposes only. Many still decide to confront bad credit card habits only after they are thousands of dirhams in debt.
Image Credit: Reuters

Dubai: Many still decide to confront bad credit card habits only after they are thousands of dirhams in debt. Here we discuss some lessons many regretted not learning before making mistakes that proved costly.

Although credit cards offer convenience, security, and rewards, overspending with a credit card and the interest and fees can bury you financially. So it’s important to know whether you possess such habits in the first place.

Four questions to ask yourself first

If you don’t know whether you have a bad credit card habit here are four questions to ask yourself to find out. If the answer to any of the below is yes, you are inching towards a credit card debtpile.

1. Do you pay only interest fees or minimum payments when you send in your credit card payment?

2. Have you ever paid your credit card late because you didn’t have the money for the payment?

3. Do you use your credit card when you don’t have enough cash?

4. When your issuer raises your credit limit, do you spend more because you can?

Bad credit card habits

While common mistakes include habitually paying your credit card late and taking out costly cash advances on your credit card, here are some uncommon-yet-dire mistakes that may slip under any user’s radar.

Habit #1: Missing out unauthorised or fraudulent charges

Keep in mind that one of the main benefits to reading your credit card statement is, it is one of the best ways to catch unauthorised charges and billing errors.

Don’t check your credit card statement for your balance and payment information, review the entire statement to verify your account activity.

By routinely checking your online or physical statement, you can also find out well before hand if your credit limit was lowered since you last checked – as it can change because of your credit habits or your credit history.

Habit #2: Paying only the minimum can cost you dearly

It is evidently easier to make the minimum payment and this is a habit credit card companies profit from as well.

Although paying just the minimum is more convenient than to figure how much extra you can pay towards your outstanding credit card bill, keep in mind that when you’re making only the minimum payment, you’re not making much progress toward paying off your credit card bill.

Moreover, unless you have a very low balance or a zero per cent interest promotion, you’re probably paying much more in finance charges than you have to.

Habit #3: Using your credit card more than your debit card

While it’s recommended you use your credit card to amass cashback rewards or points and also pay off your credit card balance every month, you shouldn’t opt to use your credit card over your debit card, if those aren’t the reasons why you would go about using them.

Your debit card is your direct access to the funds you should use for everyday purchases, like groceries, gas, clothing, and other expenses. If you use your credit card, it should be a decision with a plan for paying off what you’re charging on the card.

Habit #4: If you are transferring balances just to avoid payments

Although promotions like balance transfers are a widely recommended strategy to pay off a high-interest rate balance on your credit card, matter experts reveal that if you’re in the habit of pursuing such promotions to avoid paying payments on your credit card, this leads to amassing long-term debts.

Financial planners reiterate that many don’t realise that balance transfers typically have fees that will increase your overall balance if you’re never making payments toward the transfer. Moreover, if you’re making purchases on the card with such a promotion, the problem gets bigger.

Expert tips to take control of these credit card habits

Lesson #1: Pay your credit card in full each month

The best way to keep your credit utilisation ratio low and avoid costly interest charges is to pay your credit card balance in full each month – which also means you also don’t incur any large due.

It’s effective to control spending by not spending more than you can comfortably pay down each month, as this helps you reduce the likelihood of developing long-running credit card debt.

If you want to take in one step further, setting a monthly spending limit that’s well within your budget increases the chances that you’ll actually be able to zero out your monthly balance and avoid interest charges.

Lesson #2: Keep your credit utilisation ratio low

What it means by ‘credit utilisation ratio’ is essentially the link between your credit card balances and your aggregate spending limit. For example, a Dh2,000 balance on a credit card with a Dh5,000 credit limit equates to a 40 per cent credit utilisation ratio.

As a rule of thumb, your credit utilisation ratio shouldn’t exceed 40 per cent, and keep in mind that high ratios may adversely impact your credit score.

Financial advisors recommend aiming for a 30 per cent credit utilisation ratio, as that gives you some leeway to cover urgent one-off expenses, which can come unexpectedly as a result of maybe losing your job during the ongoing pandemic.

Lesson #3: Setting up customised spending alerts

If controlling your credit card spending is burdening you, it has been widely advised to set up customised spending alerts.

This will let you know when you’ve made an abnormally large payment or exceed a certain balance threshold and you also can pair these data alerts with security alerts to help flag any sham spending patterns.

Lesson #4: Using credit card rewards and points to your advantage

If you have a rewards credit card, you can use it to your advantage. If you have a pure cash back credit card, use any cash rewards you receive to put toward your account balance or directly deposit it into your savings account.

Alternatively, if you have a rewards points credit card, you can use your rewards to buy discounted gift cards to the stores you know, which will help save on future purchases without having to use your credit card.

If not, you could always redeem your reward points for cash redemption to put into savings or towards your account. However, ensure you know when your rewards expire to get the most out of them financially.

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Bad Credit

When Can I Get an Auto Loan After a Repo?



There’s nothing saying you can’t apply for an auto loan immediately after a repo, but the tough part is actually being able to qualify for the loan. Since many auto lenders don’t approve borrowers with a repo that’s less than a year old, you may have to consider in-house financing.

Repossessions and Your Next Car Loan

Unfortunately, most traditional auto lenders don’t work with borrowers that have a recent repo on their credit reports. When we say traditional, we’re referring to lending institutions such as banks, credit unions, online lenders, and the captive lenders of some automakers. These lenders often require a good credit score and clean credit reports.

Where does that leave you? Well, likely in-house financing is the next logical step if you need a car loan after a repossession.

More on In-House Financing

Buy here pay here (BHPH) dealerships use in-house financing. This way of auto financing involves working with the dealer who’s also your lender. There’s no need to find a third-party lender or preapproval – the dealer takes care of all that. This setup can be convenient, and often, borrowers are able to walk away with a vehicle the same day they first set foot on the lot.

Since these dealers may not check your credit reports to determine your eligibility for auto financing, your recent repossession generally isn’t an issue. If you can meet income requirements, prove you have stable work, secure auto insurance, and prove your identity, you might get into a vehicle after a repo with in-house financing.

Here are a few more details on in-house financing:

  • Used cars only – BHPH dealers only offer used vehicles. However, used cars are a good option for bad credit borrowers. They’re almost always less expensive than a brand-new car, and affordable is a good price when you need to get back on your feet after a repo.
  • Anticipate a higher interest rate – Without a credit check, lenders are taking a risk approving a car loan without knowing much about your credit history. To make up for this, they tend to assign higher interest rates. A high interest rate may be considered a good trade-off for an auto loan with bad credit in many cases, especially if you heavily rely on a vehicle to get by.
  • Credit repair may not be an option – If you get an auto loan with a lender that doesn’t check your credit, it’s a possibility that your on-time payments aren’t going to be reported to the credit bureaus. If you want to repair your credit with a car loan, ask the lender about their credit reporting practices before you sign on the dotted line.
  • Down payments are required – Few things are certain in the auto lending world, but one thing you can count on is needing a down payment if your credit is less than perfect. BHPH dealers often require a down payment of up to 20% of the vehicle’s selling price.
  • Prepare your documents – While a BHPH dealer may not check your credit, they’re likely to ask about your income and possibly your work history. You need proof of income to qualify for a car loan, no matter what lender you work with, so prepare at least a month of computer-generated check stubs. If you don’t have W-2 income, have copies of your last two to three years of tax returns.

Looking Forward After a Repo

When Can I Get a Car After a Repo?After one year, your auto loan options open up a little bit more and you’re more likely to qualify for a subprime car loan. Subprime lenders are equipped to assist bad credit borrowers. These lenders offer you a chance for credit repair because they report their loans and work with poor credit borrowers.

If you need a vehicle quickly, a BHPH dealership could be your first step in getting back on the road. Once some time has passed, and your repossession loses some impact on your credit reports, you can try for an auto loan that has the potential to repair your credit.

Here at Auto Credit Express, we know a thing or two about bad credit auto loans, and we have a nationwide network of dealerships that assist bad credit borrowers. We aim to match consumers to dealers in their local area that help with credit challenges. If you’re in need of auto financing, start right now by filling out our free auto loan request form. We’ll look for a dealer in your local area at no cost and with no obligation.

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