Since I tried to post this to the site, pissed off a spammer, and got flagged. I would like to see then try and get it removed from here.
When you are viewing the personals, stay away from the women seeking men in the casual encounter areas. (w4m). There are a multitude of scammers and fakes that use very reveiling picks. Will e-mail you a time or two, and then refer you to a "secure verification" site that is supposidly "free". This is where they get you.
If you enter your credit card info, it asks for all the details. If it goes through, then you will get the "hotties" phone # and contact info. Afterwards. It will never happen. The # is usually a voice mail or some other crap. You will never get a call back. What you don't see is a small green box in the lower right corner about the "VIP" offer. Usually, this is some sort of B/S and what you just did is sign up for a dating site or XXX site for anywhere from $29.95 to 59.95. Billed to your credit card. If your married, you probably will not see the charge until your wife get's the card statement and the charge is right there. It is only free if you locate what you signed up for and call them IMMEDIATELY and cancel your new "purchase". IF your lucky to get this far.
If you try and use a Wal-Mart money card with $5-$10 on it, it will not go through due to an unknown error. Which is the sites way of saying "insufficient funds".
I've tried it. It will not go through. Not to mention all the spam you are about to receive just for trying.
Another way they get you, is if you send a message to a woman, and you get a "if your real, go here" response, it is to a dating site also. Trust me, nothing if free. They will try and get you to sign up and look for them. But, they are not on the site. They just got your e-mail address to sell. Then, you guessed it, more spam.
Which is why I use 2 fake accounts and NO personal info. Just stuff I made up of someone that does not exist. They send me a TON of spam and bull. Believe me, it is just cheaper to get a 6 pack, a "F" flick or two and get your nut off then to spend 2-4 hours surfing Craigs list trying to find someone. You will still have your money, your idenity, and your send of well being.