What are Prepaid Debit Cards and how can you use them. A prepaid debit card as the name suggests requires a pre paid balance. In other words you need to have money in your account before you can use it. These types of cards have the advantages and disadvantages, suffice is to say that you can use them just like a credit card the only difference being that you are not being extended any credit. In today’s world where plastic is becoming ever so popular having such a card allows for certain conveniences and this more than anything else is their greatest attraction.