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This guest post was written by Tom T. He runs FindSecuredCards, a secured card / prepaid credit cards website. His site helps people find the credit cards that they need to make every day purchases.

Attending college isn’t cheap and what I found out when I was attending was that I was getting more and more in debt with my credit cards. See, the thing with credit cards is that you spend and spend, but you don’t really realize what you’re spending until you get your credit card statement. Little things can add up rather fast when you think about it.

For example, you can make 10 $20 purchases and that is $200 right there. Do you see how fast it can add up? While people think that credit cards are the devil, I wanted to give you good reason on why you should choose a prepaid credit card and my reasons are listed below.

Control your spending

With a card like this, you’re going to be able to put exactly how much you want on the card. If you put $200 on your card, you can’t spend more than this. It’s a great way to control your spending without having to worry about getting that massive bill in the long run.

Don’t worry about debt

I worried about debt a lot when I was thinking about my statements. Every time that I swiped my card, I just kept thinking about how much I was spending. A prepaid card like this is great for those that don’t have discipline with their own spending.

Still get the rewards

Many think that when you apply for a prepaid card, you’re not going to get the rewards you would have with a regular card. This couldn’t be further from the truth. What you’re going to find out is that you can still get the rewards if you find the right card.

When you’re ready to make a credit card decision, make sure you that you know what you’re getting yourself into. The FRB has a great guide that you can read into to know more.

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