This money card is a scam! Designed to take advantage of those that do not have good credit or a good bank account. And they do take advantage of these folks. They already are holding your money and charge you $3/mo. They should be paying you interest! If you try to make a purchase for an amount greater than your balance, the transaction is declined. Unlike regular gift cards, where the balance in the card is deducted from your purchase and you pay the difference with cash or some other card. If you try to cash in your balance at Wal... read full review »