for people who have bad credit histories I think CreditBuilder is a fantastic tool - anything to help improve it is a godsend... how else or what other toold are out to help for this?

basic accouts from mainstream banks are in my opinion not very good - you get an electron card which isnt widely used etc.

In my opinion I think it is only a matter of time before banks charge for accounts (at a basic level too)

Furthermore I dont think the cost of the card with prepaid is the issue - when you have no option it is all that is worth getting aslong as the charges are not astronomical and you are getting value out of the fee!