The term CIVV or Credit Cardival vignette is a little known acronym in the field of credit card application. It is used widely by the credit card industry. It is a very complex card which is issued for a specific period of time (usually about a month). It is used by people who are not able to obtain credit cards due to a poor credit history, bankruptcies, etc.
A credit card with money and CVV is a prepaid debit card. The credit card company adds the CVV to the customer's credit card and this is the main way of spending the customer's money. Once a customer has reached his spending limit, he can use a credit card with money and CVV again. In such a scenario, the card holder would be in a better position to control his spending.
If you think you cannot manage to control your spending on a credit card with money and CVV, then you need to go in for another solution. There are several options available. One option would be a prepaid debit card. You would load money into this card and the card would function like a debit card. You can then use this card only for specific purchases which you have allotted in the card account.
Another option would be a pre-paid credit card. This would be useful if you know you won't have sufficient cash on hand. You would just load money into the card and use the same. If you don't have cash, the credit card company would transfer the amount to your bank account and you can then use it. These pre-paid credit cards are very convenient as you can just load the money and use it when you need it.
You could also go in for a MasterCard or Visa. These companies issue credit cards with a symbol V, A, or a blue or red card with a strip of colored plastic on them. These cards are issued by the financial institutions and banks. The benefit is that you are issued with a credit card that has money on it, but you would get regular statements from the company letting you know how much you have spent and how much more is left in your credit card account. They are easy to use and are issued mostly by the banks.
If you wish to go in for a business credit card, then the best option would be to go in for a MasterCard or Visa card. You will have to specify the purpose of your card. With such a card, you are issued with a certain amount of money for your transactions. Thus, you can purchase anything and if you have sufficient money, you can easily pay your bills. The charges that you would incur with these cards are very low.
You can go in for one of these cards through the internet. It is really convenient that way. You just have to check the details of the cards that are being offered by various banks and the different companies. These companies would usually ask for details such as your name, age, address, contact number and so on. Once you have replied to all these details, you will receive a card that is identical to the kind of card that you were issued.
But, a downside to this option is that you cannot carry large amounts of cash with you. Thus, you must have some other form of identification such as your driver's license, a passport or an ATM card or some other valid form of ID. Sometimes, in places like ATMs, you will not be able to withdraw money. If you wish to enjoy all these facilities of the credit card with money and cvv, then you should go in for an unsecured card. This is a type of card that does not require you to put any money as collateral and yet, you will be given all these facilities.