What does a prepaid card require before use?

A prepaid card requires loading with cash before use. This is a fundamental characteristic of prepaid cards. They are essentially a way to provide access to a certain amount of funds without the need for a traditional bank account or credit evaluation. Users deposit money into the card, and this amount is what they can then spend. Once the balance is depleted, they cannot use the card until it is reloaded with additional funds.

The other options involve processes or requirements that do not align with how prepaid cards function. For instance, linking to a bank account is more characteristic of debit cards, which pull directly from the account balance. Similarly, obtaining a credit check and establishing a loan agreement pertain to credit-related products rather than prepaid cards, which are designed to be straightforward and accessible without the parameters applied to credit or traditional bank services.