Cardholder since the card came out. Dropped it almost a year ago. Never had a problem using card. Some months I put close to 10, 000.00 on it. Had 3, 000.00 on it towards a new car-Went to get one and said it was no good. Even got a statement the next month telling me to buy a new car with my earnings. Mailed it back to them, closed account and did not buy the car.