{"id":28175,"date":"2026-06-24T07:51:46","date_gmt":"2026-06-24T05:51:46","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=28175"},"modified":"2026-06-24T11:03:30","modified_gmt":"2026-06-24T09:03:30","slug":"credit-card-or-prepaid-card-which-to-choose-to-better-manage-your-money","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/","title":{"rendered":"Credit card or prepaid card: which one to choose to better manage your money?"},"content":{"rendered":"<p class=\"has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-1 wp-block-paragraph\"><strong>Credit card or prepaid card: which one to choose to better manage your money?<\/strong><\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 ez-toc-wrap-center counter-flat ez-toc-counter ez-toc-black ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #eeee22;color:#eeee22\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #eeee22;color:#eeee22\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Carte_de_credit_vs_carte_prepayee\" >Credit card vs. prepaid card<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Quest-ce_quune_carte_de_credit\" >What is a credit card?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Quest-ce_quune_carte_prepayee\" >What is a prepaid card?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#La_principale_difference\" >The main difference<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Pourquoi_les_cartes_de_credit_peuvent_poser_probleme\" >Why can credit cards be a problem?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Le_piege_du_remboursement_differe\" >The trap of deferred repayment<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Le_piege_du_remboursement_differe-2\" >The trap of deferred repayment<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Comparatif_investir_vs_sendetter\" >Comparison: Investing vs. Going into Debt<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Pourquoi_les_cartes_prepayees_sont_interessantes_pour_un_frugaliste\" >Why prepaid cards are interesting for a frugal person<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Les_avantages_dune_carte_prepayee\" >The advantages of a prepaid card<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Meilleur_controle_du_budget\" >Better budget control<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Aucun_risque_dendettement\" >No risk of debt<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Simplicite\" >Simplicity<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Reduction_des_achats_impulsifs\" >Reduction of impulsive purchases<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Moins_de_stress_financier\" >Less financial stress<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Les_avantages_dune_carte_de_credit\" >The advantages of a credit card<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Reservations_plus_simples\" >Easier bookings<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Alors_quelle_carte_choisir\" >So, which card should I choose?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#FAQ_Carte_bancaire_de_credit_ou_carte_prepayee_laquelle_choisir_pour_mieux_gerer_son_argent\" >FAQ: Credit card or prepaid card: which one to choose to better manage your money?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Quelle_est_la_difference_entre_une_carte_de_credit_et_une_carte_prepayee\" >What is the difference between a credit card and a prepaid card?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Une_carte_prepayee_permet-elle_deviter_les_dettes\" >Can a prepaid card help avoid debt?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Pourquoi_les_cartes_de_credit_favorisent-elles_parfois_la_surconsommation\" >Why do credit cards sometimes encourage overconsumption?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Les_cartes_prepayees_sont-elles_adaptees_aux_personnes_qui_souhaitent_economiser\" >Are prepaid cards suitable for people who want to save money?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Peut-on_utiliser_une_carte_prepayee_pour_les_achats_en_ligne\" >Can a prepaid card be used for online purchases?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Quels_sont_les_avantages_dune_carte_prepayee_pour_un_frugaliste\" >What are the advantages of a prepaid card for a frugal person?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Une_carte_de_credit_est-elle_toujours_mauvaise\" >Is a credit card always bad?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Pourquoi_les_mensualites_peuvent-elles_etre_trompeuses\" >Why can monthly payments be misleading?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Une_carte_prepayee_permet-elle_de_mieux_gerer_son_budget\" >Does a prepaid card allow for better budget management?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Faut-il_avoir_une_carte_de_credit_et_une_carte_prepayee\" >Do you need to have a credit card and a prepaid card?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Les_banques_gagnent-elles_de_largent_avec_les_cartes_de_credit\" >Do banks make money from credit cards?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Quelle_carte_bancaire_choisir_pour_eviter_les_achats_impulsifs\" >Which bank card should I choose to avoid impulsive purchases?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Une_carte_prepayee_est-elle_plus_sure_quune_carte_de_credit\" >Is a prepaid card safer than a credit card?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Peut-on_devenir_financierement_plus_discipline_grace_a_une_carte_prepayee\" >Can a prepaid card help you become more financially disciplined?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Quel_type_de_carte_bancaire_choisir_pour_construire_son_patrimoine\" >What type of bank card should I choose to build my wealth?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/minimalistefrugaliste.com\/en\/carte-bancaire-de-credit-ou-carte-prepayee-laquelle-choisir-pour-mieux-gerer-son-argent\/#Carte_bancaire_de_credit_ou_carte_prepayee_laquelle_choisir_pour_mieux_gerer_son_argent\" >Credit card or prepaid card: which one to choose to better manage your money?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<figure class=\"wp-block-video\"><video height=\"1280\" style=\"aspect-ratio: 720 \/ 1280;\" width=\"720\" controls src=\"https:\/\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-1de18ede-d732-4b73-820c-be113fd47352.mp4\"><\/video><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-2\"><span class=\"ez-toc-section\" id=\"Carte_de_credit_vs_carte_prepayee\"><\/span><strong>Credit card vs. prepaid card<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">When opening a bank account, one question often comes up:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\ud83d\udc49 Should you choose a credit card or a prepaid card?<\/em><\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a956e22b969a&quot;}\" 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https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/money-card-business-credit-card-50987.jpeg?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/money-card-business-credit-card-50987.jpeg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/money-card-business-credit-card-50987.jpeg?resize=1536%2C1024&amp;ssl=1 1536w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/money-card-business-credit-card-50987.jpeg?resize=18%2C12&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/money-card-business-credit-card-50987.jpeg?resize=1200%2C800&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/money-card-business-credit-card-50987.jpeg?resize=1320%2C880&amp;ssl=1 1320w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewbox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">For many people, the difference seems minimal. However, these two cards function very differently and can have a significant impact on your finances.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In my opinion, for someone who wants to better manage their budget, avoid unnecessary debt, and progress towards financial freedom,<strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffedb\" class=\"has-inline-color\"> The prepaid card has several advantages.<\/mark><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this article, we will look at:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The difference between a credit card and a prepaid card<\/li>\n\n\n\n<li>The advantages and disadvantages of each solution<\/li>\n\n\n\n<li>Why prepaid cards reduce the risk of debt<\/li>\n\n\n\n<li>Which card to choose based on your profile<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-3\"><span class=\"ez-toc-section\" id=\"Quest-ce_quune_carte_de_credit\"><\/span>What is a credit card?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A credit card allows you to spend money even when it is not immediately available in your bank account.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In reality, this card allows the customer to go into debt to make purchases.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In concrete terms:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You are making a purchase today<\/li>\n\n\n\n<li>The bank pays the merchant<\/li>\n\n\n\n<li>You pay back to the bank later<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The bank is therefore giving you temporary credit. That&#039;s actually where the name &quot;\u00ab <em>credit card<\/em> \u00bb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You buy a computer for 1,500 CHF with your credit card.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The bank advances the funds. A few weeks later, you receive the bill and you have to repay the amount.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On the other hand, you can imagine that if the bank lends you money, it&#039;s because they can make money. We&#039;ll analyze this later.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-4\"><span class=\"ez-toc-section\" id=\"Quest-ce_quune_carte_prepayee\"><\/span>What is a prepaid card?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A prepaid card works in exactly the opposite way.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You must have the money before you can spend it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The principle is simple:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You add money to your bank account<\/li>\n\n\n\n<li>You only spend the money available<\/li>\n\n\n\n<li>When the balance is empty, payments are declined.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">In other words:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 It&#039;s impossible to spend more than you own.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The majority of modern digital banks in Switzerland now use this model.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Yuh<\/li>\n\n\n\n<li>Neon<\/li>\n\n\n\n<li>Zach<\/li>\n\n\n\n<li>WIR Top<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-5\"><span class=\"ez-toc-section\" id=\"La_principale_difference\"><\/span>The main difference<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--1\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><strong>Prepaid card<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Credit card<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Use your own money<\/td><td class=\"has-text-align-center\" data-align=\"center\">Temporarily uses bank money<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">It is not possible to spend more than the available balance.<\/td><td class=\"has-text-align-center\" data-align=\"center\">Possibility of spending more than your balance<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">No debt possible<\/td><td class=\"has-text-align-center\" data-align=\"center\">Possible debt<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Easier budget control<\/td><td class=\"has-text-align-center\" data-align=\"center\">May encourage overconsumption<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49<strong> The fundamental difference is therefore the risk of indebtedness.<\/strong><\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a956e22bcaca&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a956e22bcaca\" class=\"wp-block-image size-large wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"448\" height=\"600\" data-attachment-id=\"28209\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a33955856cc6\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a33955856cc6.png?fit=896%2C1200&amp;ssl=1\" data-orig-size=\"896,1200\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"Key differences between credit and prepaid cards\" data-image-description=\"&lt;p&gt;The image is a comparison chart titled &amp;#8216;Comparing Credit vs Prepaid: Differences&amp;#8217;. It is divided into two columns contrasting credit cards and prepaid cards across five categories: money source, spending limit, repayment, credit building, and interest &amp;#038; fees. Each category is illustrated with a simple icon. Credit cards use borrowed funds with credit limits, require repayment, affect credit scores, and charge interest and fees. Prepaid cards use personal loaded funds, have spending limits based on the loaded amount, require no repayment, do not impact credit scores, and have no interest but may have reloading or monthly fees. The chart uses a blue background with a light blue and orange color scheme for the two card types for clear visual separation.&lt;\/p&gt;\" data-image-caption=\"&lt;p&gt;This chart compares key features of credit cards versus prepaid cards.&lt;\/p&gt;\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a33955856cc6.png?fit=448%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a33955856cc6.png?resize=448%2C600&#038;ssl=1\" alt=\"Comparison chart of differences between credit cards and prepaid cards, including money source, spending limit, repayment, credit building, and interest and fees - Credit card or prepaid card: which one to choose to better manage your money?\" class=\"wp-image-28209\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a33955856cc6.png?resize=448%2C600&amp;ssl=1 448w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a33955856cc6.png?resize=224%2C300&amp;ssl=1 224w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a33955856cc6.png?resize=768%2C1029&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a33955856cc6.png?resize=9%2C12&amp;ssl=1 9w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a33955856cc6.png?resize=600%2C804&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a33955856cc6.png?w=896&amp;ssl=1 896w\" sizes=\"auto, (max-width: 448px) 100vw, 448px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewbox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-6\"><span class=\"ez-toc-section\" id=\"Pourquoi_les_cartes_de_credit_peuvent_poser_probleme\"><\/span>Why can credit cards be a problem?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A credit card isn&#039;t inherently bad. The problem often stems from human behavior.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When the money leaves your bank account immediately, you feel the expense more.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With a credit card, the pain of payment is postponed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><mark style=\"font-weight: bold; background-color: rgba(0, 0, 0, 0); color: rgb(255, 252, 219);\" class=\"has-inline-color\">This can give the impression that the purchase costs less than it actually does. This is obviously a false impression.<\/mark><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Numerous studies in financial behavior show that consumers generally spend more when using credit rather than cash, because they think less about the financial consequences.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-7\"><span class=\"ez-toc-section\" id=\"Le_piege_du_remboursement_differe\"><\/span>The trap of deferred repayment<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-8\"><span class=\"ez-toc-section\" id=\"Le_piege_du_remboursement_differe-2\"><\/span>The trap of deferred repayment<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Let&#039;s take a simple example.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You are going on holiday and the total cost of your stay is:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hotel: 700 CHF<\/li>\n\n\n\n<li>Restaurants: 300 CHF<\/li>\n\n\n\n<li>Activities: 400 CHF<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Total: CHF 1,400<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you have to pay these 1,400 CHF with your own money in advance, you will probably compare hotels, look for discounts, choose some budget-friendly activities and seriously consider your travel budget.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Perhaps you will even decide to postpone this vacation if you find that it is beyond your means.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For what ? <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffce0\" class=\"has-inline-color\">Because you immediately feel the true cost of the expense and you immediately understand the future financial consequences.<\/mark><\/strong><\/p>\n\n\n\n<h6 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-9\">Example<\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">Now, let&#039;s imagine that you are offered:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u201cYou only pay 100 CHF per month with interest.\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Suddenly, 1,400 CHF seems much more affordable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your brain no longer sees the total price. It focuses solely on the monthly payment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You tell yourself:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\u201c100 CHF per month isn\u2019t much, I can afford it.\u201d<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That&#039;s precisely where the trap lies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ease of payment reduces the immediate pain of the purchase and often encourages spending more.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ultimately, you will:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Paying additional interest or fees (i.e., your vacation will be more expensive than paying upfront yourself)<\/li>\n\n\n\n<li>Spend more during your trip since the cost seems less important.<\/li>\n\n\n\n<li>Accumulating multiple monthly payments from other purchases.<\/li>\n\n\n\n<li>Seriously increase your risk of debt.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffae6\" class=\"has-inline-color\">The most dangerous aspect is that the repayment continues long after the end of the vacation.<\/mark><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Once your vacation is over, the memories are already behind you. But your bank keeps asking you every month for the money it advanced, plus interest to pay\u2026<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To conclude:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 The ease of payment gives the impression that a purchase is cheaper. But it&#039;s the opposite, because you will pay additional interest.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 The payment plan allows you to spend money you don&#039;t yet have. But it will force you to tighten your belt in the following months.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In my opinion, when a seller emphasizes the monthly payment more than the total price, you should generally refuse!<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-10\"><span class=\"ez-toc-section\" id=\"Comparatif_investir_vs_sendetter\"><\/span>Comparison: Investing vs. Going into Debt<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When people talk about consumer debt, most immediately think of lost interest.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, in my opinion, the true cost is often much higher.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffbe0\" class=\"has-inline-color\">Every franc used to repay a debt is a franc that is not invested in building your wealth.<\/mark><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let&#039;s take a simple example.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let&#039;s imagine two people who each have 5,000 CHF.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The first person decides to invest these 5,000 CHF in the stock market in a diversified ETF with an average return of 7% per year.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The second person uses these 5,000 CHF to buy consumer goods on credit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here&#039;s what happens after 10 years:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--2\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">After 10 years<\/th><th class=\"has-text-align-center\" data-align=\"center\">Person A: Invests CHF 5,000<\/th><th class=\"has-text-align-center\" data-align=\"center\">Person B: Spends CHF 5,000 on credit<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Initial amount<\/td><td class=\"has-text-align-center\" data-align=\"center\">5,000 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">5,000 CHF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Use of money<\/td><td class=\"has-text-align-center\" data-align=\"center\">Stock market investment<\/td><td class=\"has-text-align-center\" data-align=\"center\">Consumer purchase<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Average annual yield<\/td><td class=\"has-text-align-center\" data-align=\"center\">7 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">0 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Value after 10 years<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2248 9,835 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">0 CHF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Interest paid<\/td><td class=\"has-text-align-center\" data-align=\"center\">0 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2013 500 CHF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Value of the property purchased<\/td><td class=\"has-text-align-center\" data-align=\"center\">\/<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2248 0 CHF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Final Heritage<\/td><td class=\"has-text-align-center\" data-align=\"center\">+ 9,835 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2013 5,500 CHF<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">In the end, the investor has almost 10,000 CHF.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The person who went into debt no longer owns anything from their initial purchase and has even lost money with interest and the loss of value of their belongings.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 The wealth gap between the two people then exceeds 15,000 CHF.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And yet, they had exactly the same starting amount.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-11\"><span class=\"ez-toc-section\" id=\"Pourquoi_les_cartes_prepayees_sont_interessantes_pour_un_frugaliste\"><\/span>Why prepaid cards are interesting for a frugal person <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Frugalism involves controlling one&#039;s spending in order to save and invest more.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffddb\" class=\"has-inline-color\">The prepaid card fits perfectly into this logic.<\/mark><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Why? Because\u2019<strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffde0\" class=\"has-inline-color\">A prepaid card naturally imposes financial discipline.<\/mark><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You cannot spend:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Next month&#039;s money<\/li>\n\n\n\n<li>Your future salary<\/li>\n\n\n\n<li>A reserve that you do not possess<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">You only spend what is actually available. This has several positive effects:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><mark class=\"annotation-text annotation-text-yoast\" id=\"annotation-text-438d28ec-07f1-417e-a905-3d823dfb8a51\">Significantly reduce impulsive purchases.<\/mark><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Limit the risk of overconsumption.<\/li>\n\n\n\n<li>Prevent the creation of unnecessary debt.<\/li>\n\n\n\n<li>Becoming more financially responsible<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-12\"><span class=\"ez-toc-section\" id=\"Les_avantages_dune_carte_prepayee\"><\/span>The advantages of a prepaid card<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Here are the main advantages:<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-13\"><span class=\"ez-toc-section\" id=\"Meilleur_controle_du_budget\"><\/span>Better budget control<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You know immediately how much you have left.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-14\"><span class=\"ez-toc-section\" id=\"Aucun_risque_dendettement\"><\/span>No risk of debt<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">It&#039;s impossible to spend money you don&#039;t have.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-15\"><span class=\"ez-toc-section\" id=\"Simplicite\"><\/span>Simplicity<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No complex monthly bill to analyze.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-16\"><span class=\"ez-toc-section\" id=\"Reduction_des_achats_impulsifs\"><\/span>Reduction of impulsive purchases<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Each purchase is financed with your own money.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-17\"><span class=\"ez-toc-section\" id=\"Moins_de_stress_financier\"><\/span>Less financial stress<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No unpleasant surprises at the end of the month.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-18\"><span class=\"ez-toc-section\" id=\"Les_avantages_dune_carte_de_credit\"><\/span>The advantages of a credit card<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Although I prefer prepaid cards, credit cards sometimes have certain advantages.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-19\"><span class=\"ez-toc-section\" id=\"Reservations_plus_simples\"><\/span>Easier bookings<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Some hotels or rental agencies prefer credit cards. In these cases, a prepaid card may not be sufficient.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, if you rent a car, there is a very good chance that the rental agency will want to block the deposit with your credit card.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For a frugal person, in my opinion, this is the only useful thing to have a credit card. That is, to tie up money for rentals.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-20\"><span class=\"ez-toc-section\" id=\"Alors_quelle_carte_choisir\"><\/span>So, which card should I choose?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ffffeb\" class=\"has-inline-color\">A prepaid card is undoubtedly the best option!<\/mark><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It&#039;s the simplest card for becoming thrifty and managing your money. Furthermore, it helps you avoid debt.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a956e22c17b4&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a956e22c17b4\" class=\"wp-block-image size-large wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"443\" height=\"1051\" data-attachment-id=\"28213\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/comparative-overview-prepaid-card-vs-credit\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a33961387fd8-edited.png?fit=443%2C1051&amp;ssl=1\" data-orig-size=\"443,1051\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"Comparative overview prepaid card vs credit\" data-image-description=\"&lt;p&gt;This image is a comparative table in French contrasting prepaid cards (Carte Pr\u00e9pay\u00e9e) and credit credit cards (Cr\u00e9dit \u00c9conome). The table is divided into two columns with light blue and light green backgrounds respectively. It lists five key points for each type: budget control and no debt for prepaid cards, flexibility and rewards for credit cards. Each point is accompanied by an icon symbolizing the concept, such as a wallet with cash for prepaid cards and a credit card with a leaf for credit cards. The visual style is clean and minimalistic with clear typography and simple line icons to highlight differences clearly and aid financial decision making.&lt;\/p&gt;\" data-image-caption=\"&lt;p&gt;Comparison of prepaid cards and credit credit cards with key benefits and drawbacks.&lt;\/p&gt;\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a33961387fd8-edited.png?fit=253%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a33961387fd8-edited.png?resize=443%2C1051&#038;ssl=1\" alt=\"Comparison table of prepaid and credit cards showing advantages and disadvantages. - Credit card or prepaid card: which to choose to better manage your money?\" class=\"wp-image-28213\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a33961387fd8-edited.png?w=443&amp;ssl=1 443w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a33961387fd8-edited.png?resize=126%2C300&amp;ssl=1 126w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a33961387fd8-edited.png?resize=253%2C600&amp;ssl=1 253w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a33961387fd8-edited.png?resize=5%2C12&amp;ssl=1 5w\" sizes=\"auto, (max-width: 443px) 100vw, 443px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewbox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">In summary, a credit card is often unnecessary, but it may be wise to have a no annual fee credit card for situations where prepaid cards are not available.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">The difference between a credit card and a prepaid card is simple:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 The credit card allows you to spend money from the bank.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 The prepaid card only allows you to spend your own money.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For someone looking to save, invest and build wealth, the prepaid card has a major advantage:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffdd6\" class=\"has-inline-color\">It significantly reduces the risk of debt.<\/mark><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>And when seeking financial freedom, avoiding consumer debt is often more important than finding the perfect investment.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sometimes, <strong>The best investment is simply avoiding a bad financial decision.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"FAQ_Carte_bancaire_de_credit_ou_carte_prepayee_laquelle_choisir_pour_mieux_gerer_son_argent\"><\/span>FAQ: Credit card or prepaid card: which one to choose to better manage your money?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-21\"><span class=\"ez-toc-section\" id=\"Quelle_est_la_difference_entre_une_carte_de_credit_et_une_carte_prepayee\"><\/span>What is the difference between a credit card and a prepaid card?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">A credit card allows you to pay with money advanced by the bank, then repay later. A prepaid card only allows you to spend the money available in the account. The main difference, therefore, is the risk of debt.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-22\"><span class=\"ez-toc-section\" id=\"Une_carte_prepayee_permet-elle_deviter_les_dettes\"><\/span>Can a prepaid card help avoid debt?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. Since it is impossible to spend more than the available balance, a prepaid card greatly reduces the risk of going into debt for consumer purchases.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-23\"><span class=\"ez-toc-section\" id=\"Pourquoi_les_cartes_de_credit_favorisent-elles_parfois_la_surconsommation\"><\/span>Why do credit cards sometimes encourage overconsumption?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Payment is deferred. Many people focus on the monthly bill rather than the total cost of their purchases, which can encourage impulsive spending.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-24\"><span class=\"ez-toc-section\" id=\"Les_cartes_prepayees_sont-elles_adaptees_aux_personnes_qui_souhaitent_economiser\"><\/span>Are prepaid cards suitable for people who want to save money?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. Prepaid cards allow for better budget control, limit impulsive purchases and facilitate the management of daily expenses.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-25\"><span class=\"ez-toc-section\" id=\"Peut-on_utiliser_une_carte_prepayee_pour_les_achats_en_ligne\"><\/span>Can a prepaid card be used for online purchases?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. Most modern prepaid cards allow you to pay online, in physical stores, and even abroad, depending on the bank&#039;s terms and conditions.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-26\"><span class=\"ez-toc-section\" id=\"Quels_sont_les_avantages_dune_carte_prepayee_pour_un_frugaliste\"><\/span>What are the advantages of a prepaid card for a frugal person?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">A prepaid card helps to stick to one&#039;s budget, avoids consumer debt, reduces financial stress and promotes saving as well as long-term investment.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-27\"><span class=\"ez-toc-section\" id=\"Une_carte_de_credit_est-elle_toujours_mauvaise\"><\/span>Is a credit card always bad?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">No. A credit card can be useful for certain specific situations, such as booking a hotel, renting a car, or making certain payments that require a deposit.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-28\"><span class=\"ez-toc-section\" id=\"Pourquoi_les_mensualites_peuvent-elles_etre_trompeuses\"><\/span>Why can monthly payments be misleading?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Monthly payments often give the impression that a purchase is affordable. However, they mask the true total cost and may include interest or additional fees.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-29\"><span class=\"ez-toc-section\" id=\"Une_carte_prepayee_permet-elle_de_mieux_gerer_son_budget\"><\/span>Does a prepaid card allow for better budget management?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. Each purchase is directly linked to the money actually available, making expenses more visible and easier to track the budget.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-30\"><span class=\"ez-toc-section\" id=\"Faut-il_avoir_une_carte_de_credit_et_une_carte_prepayee\"><\/span>Do you need to have a credit card and a prepaid card?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">For some people, this combination can be advantageous. The prepaid card is used for everyday expenses, while the credit card is kept for reservations requiring a guarantee.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-31\"><span class=\"ez-toc-section\" id=\"Les_banques_gagnent-elles_de_largent_avec_les_cartes_de_credit\"><\/span>Do banks make money from credit cards?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. Banks can charge annual fees, commissions on payments and especially interest when the account holder does not repay their bill on time.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-32\"><span class=\"ez-toc-section\" id=\"Quelle_carte_bancaire_choisir_pour_eviter_les_achats_impulsifs\"><\/span>Which bank card should I choose to avoid impulsive purchases?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">A prepaid card is generally the best option. Since it only uses available funds, it encourages more thought before each purchase.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-33\"><span class=\"ez-toc-section\" id=\"Une_carte_prepayee_est-elle_plus_sure_quune_carte_de_credit\"><\/span>Is a prepaid card safer than a credit card?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Both cards generally benefit from similar security systems. However, a prepaid card limits the amount that can be used in case of fraud, as it does not allow spending beyond the available balance.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-34\"><span class=\"ez-toc-section\" id=\"Peut-on_devenir_financierement_plus_discipline_grace_a_une_carte_prepayee\"><\/span>Can a prepaid card help you become more financially disciplined?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. Many people develop better financial habits when they only use money they actually have.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-35\"><span class=\"ez-toc-section\" id=\"Quel_type_de_carte_bancaire_choisir_pour_construire_son_patrimoine\"><\/span>What type of bank card should I choose to build my wealth?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">For someone looking to save, invest, and avoid consumer debt, a prepaid card is often the most suitable solution. It promotes responsible money management and reduces long-term financial risks.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-36\"><span class=\"ez-toc-section\" id=\"Carte_bancaire_de_credit_ou_carte_prepayee_laquelle_choisir_pour_mieux_gerer_son_argent\"><\/span><strong>Credit card or prepaid card: which one to choose to better manage your money?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-primary-color has-text-color has-background has-medium-font-size\" style=\"background-color:#123102\"><strong>Subscribe for the latest news<\/strong><\/h5>\n\n\n<div class=\"wp-block-jetpack-subscriptions__supports-newline wp-block-jetpack-subscriptions\">\n\t\t<div>\n\t\t\t<div>\n\t\t\t\t<div>\n\t\t\t\t\t<p >\n\t\t\t\t\t\t<a href=\"https:\/\/minimalistefrugaliste.com\/en\/?post_type=post&#038;p=28175\" style=\"font-size: 16px;padding: 15px 23px 15px 23px;margin: 0; margin-left: 10px;border-radius: 0px;border-width: 1px; background-color: #113AF5; color: #FFFFFF; text-decoration: none; white-space: nowrap; margin-left: 0\">Subscribe<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-background\" style=\"background-color:#2a0202\"><strong>You have a frugalist or minimalist project and you want a training? Click \u201d<a href=\"https:\/\/minimalistefrugaliste.com\/en\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">here<\/a>\u201d.<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-social-links is-content-justification-center is-layout-flex wp-container-core-social-links-is-layout-a89b3969 wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-youtube wp-block-social-link\"><a href=\"https:\/\/www.youtube.com\/@minimalistefrugaliste\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewbox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M21.8,8.001c0,0-0.195-1.378-0.795-1.985c-0.76-0.797-1.613-0.801-2.004-0.847c-2.799-0.202-6.997-0.202-6.997-0.202 h-0.009c0,0-4.198,0-6.997,0.202C4.608,5.216,3.756,5.22,2.995,6.016C2.395,6.623,2.2,8.001,2.2,8.001S2,9.62,2,11.238v1.517 c0,1.618,0.2,3.237,0.2,3.237s0.195,1.378,0.795,1.985c0.761,0.797,1.76,0.771,2.205,0.855c1.6,0.153,6.8,0.201,6.8,0.201 s4.203-0.006,7.001-0.209c0.391-0.047,1.243-0.051,2.004-0.847c0.6-0.607,0.795-1.985,0.795-1.985s0.2-1.618,0.2-3.237v-1.517 C22,9.62,21.8,8.001,21.8,8.001z M9.935,14.594l-0.001-5.62l5.404,2.82L9.935,14.594z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Youtube<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-linkedin wp-block-social-link\"><a href=\"https:\/\/www.linkedin.com\/in\/minimalistefrugaliste\/\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewbox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M19.7,3H4.3C3.582,3,3,3.582,3,4.3v15.4C3,20.418,3.582,21,4.3,21h15.4c0.718,0,1.3-0.582,1.3-1.3V4.3 C21,3.582,20.418,3,19.7,3z M8.339,18.338H5.667v-8.59h2.672V18.338z M7.004,8.574c-0.857,0-1.549-0.694-1.549-1.548 c0-0.855,0.691-1.548,1.549-1.548c0.854,0,1.547,0.694,1.547,1.548C8.551,7.881,7.858,8.574,7.004,8.574z M18.339,18.338h-2.669 v-4.177c0-0.996-0.017-2.278-1.387-2.278c-1.389,0-1.601,1.086-1.601,2.206v4.249h-2.667v-8.59h2.559v1.174h0.037 c0.356-0.675,1.227-1.387,2.526-1.387c2.703,0,3.203,1.779,3.203,4.092V18.338z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">LinkedIn<\/span><\/a><\/li><\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>My pages<\/strong><\/h5>\n\n\n<ul class=\"wp-block-page-list\"><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/a-propos-de-moi\/\">About me<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/epargne-frugalisme\/\">Saving \/ Frugalism<\/a><\/li><li class=\"wp-block-pages-list__item menu-item-home\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/\">Welcome<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/blog\/\">Blog<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/boutique\/\">Shop<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/contact-dons\/\">Contact<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/formation-e-book\/\">Training and E-book<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement\/\">Invest<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/page-minimaliste\/\">Minimalism<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/mon-compte\/\">My account<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/newsletter\/\">Newsletter<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\">Basket<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commander\/\">Order confirmation<\/a><\/li><\/ul>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>Lastest Post<\/strong><\/h5>\n\n\n<ul class=\"wp-block-latest-posts__list wp-block-latest-posts is-layout-flow wp-block-latest-posts-is-layout-flow\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/\">How to optimize your 2nd pillar?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/\">2nd pillar: The basics to understand<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-5-astuces-pour-gagner-de-largent-depuis-chez-soi\/\">Top 5 tips to make money from home<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/\">How to invest 1200 CHF \u2013 Simplified version<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/\">How to invest on a small budget?<\/a><\/li>\n<\/ul>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>How does this blog live?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Overall, this blog lives on sharing a frugal and minimalist lifestyle.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For a question of transparency towards the readers. All recommended products are in order to make life cheaper, simpler and to promote the essentials.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-37 wp-block-paragraph\"><strong>Basically, my only income with this blog comes:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Trainings that I realize <\/li>\n\n\n\n<li>Promo codes for the products I use <\/li>\n\n\n\n<li>Donations that readers make in exchange for neutral information.<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>About me<\/strong><\/h5>\n\n\n\n<h6 class=\"wp-block-heading has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-38\"><strong>I decided to create this blog to develop and help readers who are looking for a simpler and more economical life.<\/strong><\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">Compared to before, I was a person who consumed a lot <strong><span style=\"text-decoration: underline;\">until the day I realized that my consumption made me sadder and poorer<\/span><\/strong> \ud83d\ude11<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Now <strong><span style=\"text-decoration: underline;\">I prefer the minimum of my needs to be happy and achieve my financial freedom.<\/span><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Without realizing<strong><span style=\"text-decoration: underline;\">I started to focus on saving and investing to depend on a boss for as little time as possible<\/span><\/strong> and to speed up my personal projects.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For several years I have felt happy and I have become richer in a way that I would never have imagined given that I have an average salary in Switzerland.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It is for this purpose that I decided to create this blog. In order to share and learn with other people who seek freedom and simplicity \ud83d\ude09<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Are you rather minimalist or frugal Jonny?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><span style=\"text-decoration: underline;\">I am as minimalist as I am frugalist.<\/span><\/strong> However, there are situations where I lean more towards an art of life.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To conclude, I think the most important thing is to feel comfortable in your lifestyle \ud83d\ude0a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consumer debt: why it&#039;s a trap for your assets<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Credit card or prepaid card: which one to choose to better manage your money?<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>Credit card or prepaid card? These two payment methods have significant differences. Discover which one is best suited to controlling your spending, avoiding unnecessary debt, and improving your daily money management.<\/p>","protected":false},"author":215552267,"featured_media":28231,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":28240,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"Formateur en finances personnelles \ud83c\udde8\ud83c\udded | Investissement simple (ETF) | Frugalisme & Minimalisme | J\u2019aide \u00e0 \u00e9pargner plus et investir intelligemment\n\nhttps:\/\/minimalistefrugaliste.com\/","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":true,"token":"eyJpbWciOiJodHRwczpcL1wvbWluaW1hbGlzdGVmcnVnYWxpc3RlLmNvbVwvd3AtY29udGVudFwvdXBsb2Fkc1wvMjAyNlwvMDZcL21pbmltYWxpc3RlLWV0LWZydWdhbGlzdGUtNmEzYjZkZTc5YzNmZS00NDh4NjAwLnBuZyIsInR4dCI6IkNhcnRlIGJhbmNhaXJlIGRlIGNyXHUwMGU5ZGl0IG91IGNhcnRlIHByXHUwMGU5cGF5XHUwMGU5ZSA6IGxhcXVlbGxlIGNob2lzaXIgcG91ciBtaWV1eCBnXHUwMGU5cmVyIHNvbiBhcmdlbnQgPyIsInRlbXBsYXRlIjoiaGlnaHdheSIsImZvbnQiOiIiLCJibG9nX2lkIjoyMDEzMTgwNDJ9.u1anvHZwmr03cSHrLEwtvzFAR21mrSMZQ0x41kUEBq8MQ"},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[33815964],"tags":[728542923,728545059,728542942,728545567,728544082,728545478,728545570,728545574,728545248,728544997,728542873,728545046,728545571,728545229,728545231],"class_list":["post-28175","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-frugalisme","tag-argent","tag-education-financiere","tag-epargne","tag-eviter-les-dettes","tag-banque-suisse","tag-carte-bancaire","tag-carte-de-credit","tag-carte-prepayee","tag-consommation-responsable","tag-finances-personnelles","tag-frugalisme","tag-gestion-de-budget","tag-gestion-de-largent","tag-liberte-financiere","tag-minimalisme-financier"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Carte bancaire de cr\u00e9dit ou carte pr\u00e9pay\u00e9e : laquelle choisir pour mieux g\u00e9rer son argent ? - Minimaliste et Frugaliste<\/title>\n<meta name=\"description\" content=\"Carte bancaire de cr\u00e9dit ou carte pr\u00e9pay\u00e9e : laquelle choisir pour mieux g\u00e9rer son argent ? 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