There is a mad race today to equip our credit cards and our cell phones to act as credit devices, allowing us to merely wave our credit or debit card or smart phone at a vending machine to have it deduct the price of the object from our bank account or add it to our credit card account.

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Once you purchase it at a participating retailer with cash, you can use it to reload prepaid cards, add money to a PayPal account without using a bank account, or make same-day payments to major companies.

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