What a scam this company is. I received a card a gift that looks like a visa debit. Apparently, you have so many many days to set up an account with them or the card expires, even though the card says it is good through 9/22 They were 'gracious' enough to offer to send me a new card with no balance. LOL. This company is a SCAM and I am going to report them to whomever regulates them.