The HEB Visa Prepaid card is fraudulent. They demand all of your personal identity (social security, Date of birth, etc) and you have to agree to disclose all of your personal identity plus credit history and transactions, to third party marketing agencies. You are not provided with the contract until after you purchase the HEB Visa Prepaid card and there is no way to opt out. If you try to cancel HEB and Netspend will give you a huge hassle. Netspend said HEB could have cancelled and refunded. HEB kept on leading us on, saying that we had to wait for someone that never arrived. And the HEB supervisor pretty much said that “we are not returning your money and do what ever you like” in a very arrogant manner. Netspend wouldn’t talk to us unless we said our card was stolen and then they said they would mail our money back minus $6 and 20 days, which we accepted. After over a month of waiting we received nothing. We then called Netspend and stated again that our card was stolen so that they would talk to us and after more hassles they mailed out our money. Opting out from the privacy policy cost us $7 dollars for buying the card and $6 dollars to have our money refunded after over a month for an amount of $100. Do yourself a favor, by keeping away from these scammers.