If you’re deep in debt, one of the ways to stop getting in further is to cut up your credit cards so you can’t use them any more. That can be a problem, though, if you need to pay for things that can only be paid using a credit card, or if you need a credit card to, for example, hold a hotel room. In that case, a prepaid credit card will let you have the advantages of credit card use but put a hard limit on the amount you can spend, so you can be sure you won’t start adding to your debt load.