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The reloadable cards usually involve actual credit and, as such, require a social security number to be activated.
Non-reloadable cards only require a name and address. It is only used in Address Verification System checks, which is the system that merchants use to verify that a person using a card to make an online purchase, is in fact the card owner.
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Credit scores can change once a week for some and not at all for months (or even longer) for others.
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