i didn't know why my hotel stay wasn't going to be paid for until the front desk mngr told me funds were unavailble on my acheive credit card. it was the weekend and the entire company was closed including the lost or stollen card area. i made 2 pay at the pump tranactions 15.00 and 45.00 they held 150.00 on my card that was (2) 75.00 payments, and i didn't that until i was able to view the terms on line. That was after if obatin the green dot card there was no way to even know this, just like the surprise of the 9.95 load fee.