{"id":1956,"date":"2020-06-29T12:40:06","date_gmt":"2020-06-29T12:40:06","guid":{"rendered":"https:\/\/nclnet.org\/gpr_cards\/"},"modified":"2021-02-23T11:12:47","modified_gmt":"2021-02-23T11:12:47","slug":"gpr_cards","status":"publish","type":"post","link":"https:\/\/nclnet.org\/gpr_cards\/","title":{"rendered":"Consumer guide to general purpose reloadable cards – National Consumers League"},"content":{"rendered":"

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\"\"General Purpose Reloadable prepaid cards (GPR)\u00a0are the fastest growing payment method in the country. They are increasingly popular with consumers who can\u2019t qualify for traditional credit or debit cards or for those who need a convenient way to help them stick to a budget, since the cards generally can\u2019t be overdrawn. While GPR cards have similar uses and even look nearly identical to credit or debit cards, consumers should know that there are important differences in terms of fees and consumer protections.<\/p>\n

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This guide is designed to help consumers learn what makes GPR cards different from other types of plastic cards, about the fees associated with the cards, and understand their rights under the law.<\/p>\n

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What is a GPR card?
\n<\/strong>General purpose reloadable prepaid cards (GPR cards) are much like the debit cards that many consumers use. However, they are not linked to a traditional checking account. Consumers can use them to purchase retail items at stores or online, pay bills online, get cash from ATMs, and have paychecks directly deposited onto them. GPR cards can be purchased from retailers like drug stores, grocery stores or check-cashing outlets, bank branches, and online.<\/p>\n