Yes, consumers and individuals with poor credit scores should be extremely cautious when applying for credit cards and other financial instruments that offer new access to credit, however for those trying to repair their credit based lives, there has to be a way for them to rebuild their FICO credit scores….these secured, prepaid cards offer possible and readily available solutions. But you are absolutely correct – they ought to be extremely vigilant in how they handle plastic – or else they are compounding an already bad problem.