The facecard is unique because it's not like any other credit card. Instead, it's a card that you can use in order to maintain your monthly budget. Many college students today find themsevles getting a credit card for online purchases or store purchases but what they find out is that they spend well above their head. With the Facecard, you can't spend more than what you can afford because it works like a gift card.

Here's how it works --

Every time you want to use the card, you'll put an amount into your balance. You can either do this via direct deposit or through a check. Once you the funds post on your credit card, you can then go out and spend it like it was a gift card. This makes it great for online shopping, travelling and more.

The reason I like this particular prepaid credit card so much is that they don't have any activation fees or monthly fees. You're going to find with a lot of these cards is that they have a load of fees. You can be rest assured that this card has little to no fees.

Here's what else you get --

You can give money to anyone.

You can have worldwide access. It's accepted everywhere MasterCard is accepted.

You can manage your funds from the Internet or even your cellphone.

You can withdraw cash from ATMs that accept a MasterCard.

If you feel you're not ready for a credit card just yet, I would look at the Facecard. It has little to no fees and you won't be able to spend more than what you can afford. It's a win-win situation!