This is the worst card I ever had when I paid gas at the pump it's always see the cashier then I call customer service and they tell me that the merchant charges a $30 extra on gas which makes no sense. Then when I use the ATM to withdraw cash it's always a decline or it's always a problem and if you try to pay a hotel using this card it's ohhh the hotel charges you $35 on top of what they already charged this card is a scam. I'd rather pay the 1.99 fee for instant direct to a REAL CARD.