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One of the good features of the Baby Paht among prepaid credit cards is that it (like it's cousin, the RushCard) allows for free fund loading by means of direct deposit, government benefits, MoneyGram and CheckFree sources. Hip hop businessman Russell Simmons developed the Baby Phat card (along with the RushCard) as part of his UniRush Financial Services business for those who want to make a statement with everything they do. There is a small fee for loading funds from sources other than direct deposit and government benefits. There is never any debt with the Baby Phat card - over spending is impossible, since only the funds that have been transferred to the card are available.