The truth is in today's world everyone needs credit. Unless you are one of those fortunate souls who can afford to pay cash for everything they want, you need credit! The very best way to start building credit or to start re-building your credit is to get a few new small trade lines (credit cards). Unfortunately, not all credit card companies are willing to take a chance on someone with no credit or damaged credit. Therefore, pre-paid credit cards are the cure. They will allow you to use your own money to build new credit and start your new credit life right!