I stayed on hold for over an hour to speak to a representative I could barely hear. I found out my call was to the Philippines! My dog chewed my card, bI needed a replacement and they completely froze my account! Charged me 5.00 for a replacement 5-7 days and to expedite 15.00 more dollars but I had to call back to do that. Horrible, horrible, horrible. Find another card it's not worth the aggravating