(You need a category for fraudulent gift cards. The card says specifically that it's not a credit card so the company can dodge complaints listed in that category and there isn't another one on here that defines this scam) The card requires you to call and give your date of birth and social security number to activate it. There are excessive 'service' charges even though they are spelled out in the small print. $4.95 monthly service fee; $1.95 ATM transaction fee; $9.95 fee to get 'money shield' protection... read full review »