VISA Prepaid cards don't belong to anyone, they are risk free to use. They are basically normal cards that work in ATMs and shops. We order cards from VISA, fill them with money out of cloned cards and sell them. Chipped cloned cards have an owner, they might get blocked, using them isn't risk free. They will work at any ATM or in every shop, though. Magnetic cloned cards are the same, yet outdated, rarely work anywhere and there is no way they will work at an ATM (Only in USA you can find magnetic cards ATMs). You can still sometimes find a shop with a magnetic card terminal, mostly in the USA.