If you desire changes to your account that you DID NOT AUTHORIZE this is the best pay card on the market. (Sarcastic remark) otherwise avoid relying on this card. That ordered me another card just because I had reported an unauthorized transaction. Now I have to wait till THEY DECIDE when I get another card to replace the last one. Do NOT USE this card. Online transactions cause your account to get a replacement card without notice if you dispute any transactions. THIS CARD IS A RIP OFF.