I recently started to use Capital Onecard prepaid as a secondary source for my paycheck direct deposit, since I get paid on Friday and my bank wachovia does engage in the practice stacking your debits, thus I was incurring overdraft charges. the first time I used the Capital one card was Friday payday, and i made two purchases. By around 7 pm that night, my card was declining. I called them and they stated that I needed to go thru verification by faxing my social security card and drivers licence, and that they did not know when I would be... read full review »