The card is really difficult to use. It's virtually impossible to use the full balance on the card because it continuously gets rejected if you spend anywhere close to the amount on the card. So you basically pay $5 or $6 to activate this card and then you lose a dollar or two that you can never spend. On top of that, i have a really hard time checking my balance because whenever i try to log into the website it marks my card as potential fraud. Selling pre-paid credit cards can't possibly be as difficult as visa is making it.