A reloadable Visa Prepaid card is the quick, easy and secure way to pay online or in person. The all-purpose Visa Prepaid card is a prepaid card that you can use to withdraw cash, pay bills or make purchases anywhere Visa Debit cards are accepted, in-person or online. Are reloadable credit cards good idea? The Pros of Prepaid Credit Cards You can use them to set a budget for particular expenses that you may be more likely to stick to than with a bank or credit card account. No approval is required. The cards make sense for consumers with poor credit who can't get approved for a credit card. Why do people use reloadable cards? Prepaid cards can be a good way to stay out of debt because you can't spend more than the amount you've already deposited. They're also a useful budgeting tool. Even if you have a checking account, you could put a fixed amount on a prepaid card each month for certain spending categories, such as dining out.