have noticed some agencies/indy's are ok with credit cards, is it better to use a prepaid card versus the credit card?

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Unless things have changed, anonymous prepaid CC don't work for paying for VIP from the US because TER is an international payment.  

As I have previously written, the IRS, Homeland Security and Uncle Sam consider them to be a T-E-R-orist organization  so payments are blocked.

To use a prepaid CC for TER I think it has to be one that allows international payments in the first place and then also you have to use a non-anonymous registration complete with SSN (or maybe a fake SSN, but that sounds like even MORE trouble with the IRS)

This is true for all on-line transactions. Then, anonymity goes away.

It is kind of hard to stay anonymous with financial transactions. I have VIP and pay using a credit card and don’t have SO so, no issues for me.

not asking about using card for VIP! WTF.

As far as your OP is concerned, I use cash and never use CC