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Thinking about picking up a reloadable prepaid card? In 2015, more than half of all Americans purchased a prepaid card for personal use, compared to 19 percent in 2008, according to Synergistics Research Corp., which studies the prepaid market.

There are more than a dozen types on the market now, and plenty of variations that can make them a wonderful or terrible choice. Prepaid cards look like credit cards and spend like credit cards but there’s no credit behind them.

For the most part, though, it's just a waste of everyone's time.

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