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Have you found yourself depending too much on credit cards and enjoying the “freedom” of buy now, pay later?
If so, then maybe it’s time you started thinking about getting a SWIRL Prepaid Mastercard. Although you may enjoy the convenience of having a credit card, your spending can quickly spiral out of control. So if you’re feeling the pressure of growing debt, now is a great time to break free with SWIRL Mastercard.
| Credit Card | SWIRL Card | |
|---|---|---|
| Stamp Duty | €30 p.a. on regular credit card. | Max charge of €5 on SWIRL Mastercard; save €25 |
| Interest | Average balance on an Irish Credit Card is €1,600. Interest is paid at a rate of 18% which means you would pay an average of €288 interest p.a. on a credit card. | SWIRL is a Prepaid alternative to a credit card. You can’t run up any debt so you never have anything to pay interest on! |
Impulse Purchases | Late night ATM withdrawals, shopping online, nights out on credit can be dangerous when you use a regular credit card. | With SWIRL Prepaid Mastercard you can only spend what you load so if you have no money on the card you can’t spend it. |
Late Payment Fees | Increased interest charges, high & immediate interest rates for ATM withdrawals. | Avoid these fees and punitive interest charges by using a SWIRL Prepaid Mastercard. |
With our SWIRL App, you have instant access to your account where you can view your transactions no matter where you are. This will help with keeping track of your spending and knowing when your bills and subscriptions are due.
