I only have this card for vet visits. The last 2 times my card was declined! Why?? Not sure! First time it happened, I called the number on the card, prompt the automated system, which tells me my credit limit, available credit and available cash and what's due...$12 was due a few days from the day I used the card..Ok! Good to go! Run it again..DECLINED..I had to call back PAY the $12 to bring my balance to 0 to use the card. Today it happened again! This time over total amount due in 2 weeks $7! THAT'S ALL THAT WAS ON THE CARD!! $7!!! Ok, here's my $7..can I charge my dogs bill now? Sorry Ma'am, your card will not be able to be used till 48 hours!!! Are YOU kidding me?? 0 balance, $2,700 credit limit and I can't use $200 of it to pay my dog's vet bill???? No Ma'am, not today!!!!!!!!!!!!!!!!!!!1 DONE! I will NEVER use this company again, and I'll be sure to tell everyone I know about the card. WORST COMPANY EVER!!!!!