Your Kontist VISA card is a so-called debit card, which has a higher acceptance than so-called prepaid cards. You don't need to load your card, it is directly connected to your account. 

All transactions are done in real time and are directly displayed in your Kontist account and are debited from your account balance. You always have control over your spendings and your account balance and you receive instant push notifications for each transaction. 

However, this is not a credit card with a monthly invoice.