Cards to suit people with low or no credit history

They can be used in the same way as credit cards, that is online, in a shop or over the phone. The main difference is that your credit limit is set by the amount of money you have 'loaded' onto your card. Cards can be topped up in a variety of ways, from online, in various stores in your local area and with sterling card, even at a post office. As your spending is limited by how much money you have placed on your card, you are completely in control of your spending and never go over your limit. So there are no bank charges, no unauthorised spending charges, no late payment fees or overspending.

• No credit checks
• Get your wages paid on to your card
• Use anywhere - online, stores & over the phone
• Top up your card anytime - online or in stores
• Use a cash machine anytime in the UK or abroad
• Send an additional card overseas for relatives back home to use
• No bank charges
• No over spending
• Better security than carrying cash
• Manage your account online
• Chip and PIN security

Credit cards, allow you to borrow money up to an agreed spending or credit limit. A percentage of the amount borrowed is then repaid at an agreed time, usually at the end of the month. Credit cards generally have a much lower interest rate than other types of borrowing. They can be used to make purchases online and in millions of places worldwide.

• Purchase online
• Use in million places worldwide
• Withdraw money from ATM cash machines when you need it
• Chip and Pin Security
• Flexible borrowing up to an agreed limit
• Affordable monthly repayments
• Purchase protection