Anyone who is just starting out may have a hard time getting a regular credit card. Additionally, some people find that they cannot control themselves with a regular credit or debit card. A pre-paid credit or debit card may be the answer. With this type of card, you pay ahead of time for the card. You then have that set amount of money to spend on purchases. You do not have to meet income qualification rules to get this type of card. In addition, you cannot spend more than you have, because the card will be rejected if the money is not available in the account.