A prepaid credit card is a fully-fledged card for making purchases. However, a settlement will take place immediately. With a regular credit card, the payment shifts to the following month. This is not the case with a prepaid credit card. A prepaid Mastercard is an example of a handy credit card. It is possible to top it up with credit. That keeps the financial picture clear. Most useful is the prepaid credit card connected to the bank account.