For those who might have had credit problems in the past, a Baby Phat card is perfect, since there are no credit checks or employment verification restrictions associated with this card. Getting a new card carries a small activation fee of less than twenty dollars, but, after that, there are no processing fees, no annual, monthly, or customer service fees, and no other hidden fees to worry about. There is NO fee to load funds to these types of prepaid credit cards, which really sets it apart from the others. The Baby Phat card also comes with an excellent customer service program that allows the card holder to check account activity, fund loads, and balances at any time using the 'Net or by phone.