I called these guys hoping to get a replacement card when my card expired. After wasting a bunch of time with these guys, I was told to go read the contract. Effectively, they told me that I can't get a replacement card and my money is gone. For sure they had some clause in their fine print to cover themselves legally. That's what they do. Don't fall for their marketing. Don't waste your time/money with these guys. Their primary business model is to steal from their customers and they'll use legal jargon, fine print, contracts etc. Go with someone else that is legit.