If your receiving socail security there is no problem getting an account and having your cheque direct deposit,go directly to the bank manger he can help .If you need a credit card these days capital one has a great secure credit card.

hey vitzbiz...

There is a legitimate market for payday loans.
There are people with bad credit who don't have bank accounts. They have no way to cash cheques other than to use Money Mart or other payday loan companies.

IE... you get a social security cheque and you don't have a bank account because you can't afford one.

Payday loans and prepaid credit cards become the alternative.

I'm no fan of the legalized loan shark business, but let's not add insult to injury.

I don't see anyone who is getting along just fine going to these people, their niche market are those who find themselves in a tight spot, and are desperately seeking relief or those that have no recourse through more conventional lending institutions.

Convincing them to avoid these "loans" is a worthy enterprise, name calling isn't going to help with that however.

This is my opinion,people you must have holes in your head to go to these places.What did you do before these places came around?