There are several advantages to using one of these pay as you go cards, not least the fact that some are specially designed to benefit you when you have a poor credit rating. Another significant advantage is that they can be used almost anywhere, being accepted online by most of the major retaillers, and those with the Visa or Mastercard brands will be accepted almost anywhere that a traditional credit card can be used. If you want to find a card that has these advantages, then you should look for those with a Mastercard or Visa logo on the front when doing your research.
These cards are also very useful for parents who want to give their children the freedom of being able to use a credit card online, while still protecting them from hackers, and protecting your account from overspending. Some cards have no lower-limit to the user's age, so they can be set up to handle pocket money, or used to teach kids about handling money. In addition, special kid's cards are available which allow parents to restrict the card from being used to buy age-limited products, or to prevent children from going into age-restricted sites online. They are perfect for students too, allowing parents to top up the card when needed, but preventing teens from spending too wildly.
The cards are also ideal for those who want to keep a tighter rein on their own spending. After the financial crisis, many people started to restrict the way that they spent their money, but started to struggle after a few months. It is easy to fall into temptation when you have lots of money available, or easy-access credit, but with a prepaid card, you can't spend as freely. With no credit available on the card, you'll not get into debt and you won't be able to spend more than you planned.
Prepaid cards are also more secure than cash or credit cards, whether you are shopping online or in your local supermarket. The card is safer than having cash, since if you lose the card you can simply cancel it and replace it with a new one (for a small fee), and you won't have lost any money and no-one else will have access to it. There is also less chance of online fraud and identity theft with a prepaid card. The card doesn't carry information about your bank account, so thieves can't access your details. There is no access to your main wage account or to any credit or overdrafts that might come with your bank account. All of this makes it easy to get more control over your money, online or in person.