There’s no credit facility with a Paybaks card. When you use a Paybaks card, you’re essentially creating a prepaid card, similar to a prepaid gift card you might buy and activate in a store. While there is no “float” (the ability to pay off the cards in 30-45 days), the major advantages of the Paybaks card are that 1) there is no credit check or credit approval process, and 2) there’s no limit to how much you can run through the Paybaks system (and hence no limit to how much cash back you can earn).