If you are buying credits, The prepaid cards are an expensive way to do it and it only benifits IMVU. If you have a PayPal account I highly suggest that you purchased your credits at a steep discount through a reputable seller such as imvusale.com or Cassiopeian. Buying from these dealers also supports many of the developers that work hard to bring good products to imvu.There are also many imvu credit scams out there that will take your money and never give you any credits. From personal experience I can tell you to completely avoid imvub.com and imvucrsell.com. New sites pop up all the time so stick with the reputable dealers