A prepaid debit card is a type of payment card that allows users to load funds onto the card and make purchases or withdraw cash up to the amount loaded. The card works like a regular credit card, but instead of borrowing money from the bank, the user pays for the card's value in advance. Prepaid debit cards are often used as an alternative to traditional checking accounts or as a way to teach children about managing finances. They can be reloaded with additional funds and are widely accepted at many locations where credit cards are accepted.