Are prepaid credit cards worth it It is a well known fact that a section of the population can’t get a credit card, so for those people there has to be something so cover for the need of a payment card, and for many years it has been prepaid credit cards, but anybody whose used these cards will know the high cost of using them, they’re the only card that charge the cardholder to get it in the first place. For most people its just a necessity but if they had a choice I doubt they’d use them, we need to find better and cheaper solutions.