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99 percent -- much above most bank bank cards. A plastic card company has several options if you stop sending in. So in the event you need $10, ask the cashier for $10 cashback. Guaranteed approval prepaid plastic cards are citi cards balance check that. For example, you could get 3 % back on all purchases up with a specific dollar amount, but only 1 %--or nothing--from then on. Credit cards are accounts you open having a credit company.