the miocard doesnt give you the whole story on how they do, or how they handle your money, we were going to pay abill with our card but realizedwehadalready paid it and called the company in which we going to pay and they cancelled the transaction but it has taken mio 10 days to do anything and they still havent put the money back on my card, they tell you its because you havent provided enough information but you can only provide them what they ask for