Worked great at first. Tried to withdrawal money last night at an AP ATM and it said my financial inst. denied it even though I had plenty of money to cover it but it still took the money from my card. I was on the phone all day today with DD nobody ever answered, tried Visa all they did was transfer me to DD, finally filed a claim with All Points who confirmed the transaction did take my money but they can't put it back on without DD permission, which I can't get bc NOBODY answers.