People with bad or no credit, or those with no checking account now have the best money tool ever with the use of prepaid credit cards. Because they are not credit cards, credit checks are no longer needed. Prepaid credit cards can be use anywhere just like a regular credit card. It is reloadable and can be accessed online 24 hours a day, 7 days a week. You can also transact your business over the phone. Other benefits of prepaid credit cards include no more overdraft fees, no minimum balance, no monthly payments needed and no more fear of bounced checks.