I have used my card 5x now and have had no issues. It took about 6 weeks for the whole process to set up. They make deposits then it takes about a month to get the card. Once the card is activated they will take those deposits back out. The only thing I dont like is it takes 3-5 business days for the payment to process through your bank account. Just have to keep good track of your spending to avoid overdraft. Ill keep using it. Total savings so far is $6.50.