NOTE: The credit card companies listed on our website are third party entities whom we only advertise. Therefore, if you have any questions, please contact the credit card companies directly and they will reply in a timely manner. The reloadable prepaid debit cards work in a very simple way: you deposit funds into your account and then you can spend them on purchases or withdraw them from an ATM. They work just like regular credit cards. Because you cannot spend more than you have, prepaid debit cards can help you control your spending and get out of debt. If you tend to overspend, a pre-paid debit card or a prepaid credit card can help you regain control of your money and debt. Therefore prepaid debit visa cards and other prepaid debit cards are also called credit cards for bad credit because even if you have bad credit you can still successfully apply for a prepaid cash card with instant approval.