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Visa debit gift cards can be used anywhere MasterCard or Visa credit cards are accepted. They are also called as prepaid or debit cards, because you load them with money before you can use them. The issuer of the card is authorized to process payments for your purchases when you have enough funds in your account. When you are finished using your card, the amount you have deposited in your account will be available.

A prepaid card can be used like a regular card. You can make purchases, write checks or use it for ATM cash withdrawals. You can only spend the amount you have deposited in your account and you cannot exceed the amount available in your account. Because transactions are done immediately, it saves on time and keeps you from carrying lots of cash so that you can access your ATM machine when you need cash.

There are various types of prepaid cards available. They are separated into two major categories: MasterCard and Visa. The issuer of the debit Visa card is allowed to process payments for purchases you make using the card just as you would with a standard Visa or MasterCard. You will not get charged fees for ATM cash withdrawals or any additional fees associated with Visa debit gift cards.

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The other type of available card is made by Visa and is called a prepaid visa. These cards are available online, at bank branches, at some retailers and through travel agencies. You must provide some personal information, such as your name, address, phone number and date of birth before you can get an application started.

Once you start the process, you will be asked for an application fee, which is usually worth $25. If you need the card immediately, you will have to pay this fee right away. Otherwise, you will have to wait until your card balance becomes available. Most companies will transfer the card balance to your new card once it is available.

If you are buying furniture, accessories, airline tickets or any other item on a credit card, you are better off using Visa debit gift cards. These cards are often accepted at most retailers that accept credit cards. In addition, they can be used at gas stations and at many online merchants. You can quickly transfer the card balance from one place to another.

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