Absolutely terrible i chose the refund advance and it was the worst mistake ive ever madw. Anytime i try and use the virtual card my transactions get declined. Ive spoken to customer service and fraud prevention 15 times in the past 24hrs. My car is currently sitting on the side of the road because i tried getting gas 4x and it declined. Everytime i call they say nothing is wrong and to try again. Now they said they escalated the issue and to wait for an email back.