The Baby Phat Prepaid Credit Card offers its customers the convenience of a credit card with a Visa logo without all the debt associated with the usage of credit cards. Because you load the money, you are the one who sets your spending limit. You can view your account online to determine your spending limit, and whether or not you need to load more. It is safer to use a debit card than it is to use cash. You can access your money anytime and anywhere. There is less hassle on payday if you sign up for direct deposit. And everyone is approved. It’s a great little card.