I don't understand how they can add money to your card or even give you multipul cards, issue account safe guards, ect. Almost anything besides allow you to E-mail a customer service representitive to answer your concerns. Atleast before a month has elapsed. No instead you have to write a letter and wait over two weeks to get a response. I used a atm and agreed to the three dollars sur-charge ahead of time, then on top of that they threw some two-dollars charge defined as a [BP]. Thats not right.