This company are a bunch of crooks, I would not recommend this card to any one. you do not have the right to cancel a purchase, that was made on your card. I 'am in the middle of trying to get my funds put back on my card, after cancelling a transaction. I was told that I had to get a fax from the retailer stating that the transaction was cancelled. after talking to the retailer, they cancelled the transaction, and I was told that the funds on my debit card would be held for thirty days, before I would get the money back. I informed the retailer of this and they did not understand why I had to wait thirty days to get my funds back. after two hours and a long headache, I still have not gotten my funds back on my card. they are nothing but theives in the night. I would not recommend this card to my worst enemy. I want my money back, and still trying to retrive my funds. this place should be run out of business. If you ever want to see your money again, do not load or apply for this card. please be aware consumers, forget about this card.