If you have no credit, or you’re trying to repair your credit, you may want to look into getting a prepaid credit card. Prepaid credit cards are linked directly to an account you have deposited money into, and do not require a credit check to acquire. You set your own limit based on the amount of money in the account it’s attached to. There are different types of prepaid credit and debit cards, and you’ll want to make sure you do your research on them before determining which one is best for you.
The main thing you’ll want to research is the difference between a prepaid credit card and a prepaid debit card. A prepaid credit card will be linked to the account you set up with the card, and will determine your credit limit. Once you have used up the money in this account, your card will not be valid. You pay off the debt on the card as you would a credit card, and continue to use it as long as the money is in the account. A prepaid debit card has money already on it that you can use as you go.
If you’re looking to rebuild your credit, you’ll want to get a prepaid credit card. Start charging minimum items on it that you won’t have a problem paying off. When the bill comes each month, pay it on time in full. This should help improve your credit score.
If you’re using a prepaid debit card, it will not help you rebuild your credit. They are similar to gift cards, and only hold the amount of money you put on it each time you load it. There are no bills to be paid, and they nothing is reported to the credit bureaus.
When you purchase a piece of John Hardy jewelry, you not only become the owner of a beautiful and unique sterling silver piece of art, you get to help ensure the continuation of traditional Balinese jewelry crafting techniques used in the creation of the piece.
Balinese Art
Founded in 1989 by Canadian John Hardy, John Hardy is headquartered on the island of Bali and works with 600 local craftsmen skilled in jewelry making to produce pieces that are inspired by nature while keeping alive ancient Balinese and European techniques. Pieces are designed and crafted by hand using chain, mesh, and granulation and cut work techniques developed by Balinese craftsmen.
Tribal Art Jewelry
Sold around the world at high quality jewelry stores in Japan, the Middle East, Asia and the United States, John Hardy jewelry is known for its distinctive finely woven, cut, and engraved sterling silver jewelry, often designed around themes from nature and tribal art. The silver is first worked into finely woven chain and the chain is then crafted into both beautiful and functional pieces of jewelry, often combined with other natural items like gemstones. Each of these processes is hands-on and craft intensive and can require several days of heating, shaping and finishing. Because the jewelry is handcrafted, no two pieces are identical.
Going Green
John Hardy is one of the first international companies to work to offset its carbon emissions and join the “Green” movement. The company started planting bamboo in 2006 to balance out the carbon emissions generated by their manufacturing and operating processes. They also started a program to encourage collectors of John Hardy jewelry to participate in their green movement. Clients can purchase special jewelry pieces that are inscribed with the number of bamboo plants that the money from their purchase will plant.
