Green Dot cards are reloadable, pre-paid cards that look and work like credit or debit cards. Green Dot Corporation invented the concept about 11 years ago, and the company still dominates the now-crowded field that includes companies such as GoUrban, NetSpend, and Capital One, which offer the convenience of a credit card, in NetSpend’s words, “without the need for a bank account or credit history.” While most of the cards offer a direct-deposit option from a card-user’s employer, they can also be reloaded using other cards purchased for cash at a mall or pharmacy. Green Dot debit cards, for instance, can be reloaded with Green Dot “MoneyPak” cards, available for purchase at more than 50,000 stores nationwide. At Walmart, it costs less than $5 to place up to $1,100 on a MoneyPak card, and the transaction is anonymous. Once the cash is placed on the card, the number on the card can be used to transfer that money into a Green Dot (or other) account using a telephone.