How to Use a Prepaid Credit Card at an ATM

Most people are interested in maintaining a good credit score and keeping their debts low. Rather than apply for an unsecured credit card, many consumers have chosen prepaid credit cards. Prepaid credit cards are beneficial because consumers can deposit money onto them, and don't have to worry about accruing too much debt. Plus, prepaid credit cards can be used to withdraw funds from an automatic teller machine (ATM).

Order a PIN, or personal identification number. The majority of prepaid credit cards are issued with one. However, if you didn't receive a PIN, you can contact the credit card's customer-service department and request one. You'll need a PIN to access the ATM and withdraw money.

Know the fees. Although these credit cards are prepaid, cash advance fees may apply. Additionally, some ATMs charge a small surcharge or convenience fee that ranges from $1 to $3.

Have adequate funds on the credit card. Going over your limit can result in additional fees. Check your balance before attempting to withdraw cash.

Find an ATM within your network. Every ATM displays the logos of its participating networks. Look on the back of your prepaid credit card to find its network. You can use ATMs outside your credit card's network; however, you'll pay additional fees.

Once you find an ATM within your network, swipe your card and follow the prompts. Enter your PIN and choose a withdrawal amount. After the machine dispenses your cash, take your receipt.