I agree completely with your comment. I'm a college student and I have a regular account, but I wanted something I could use on campus and not worry if it got stolen. When I first got it I called to activate it, I spent an hour on the phone with some person over seas who barely spoke english. I should have cancelled it right there. The woman talked me into getting the platinum addition which was another $18. I finally got it one month later. Come to find out there are all of these hidden fees and before I knew it my $500 was gone. The money on the card was my lunch and dinner $ for that month, I had to barrow $ from my room-mate just so I could eat. They charged me everytime I used it. I called up and yeld at the director. What a joke! The company itself steels your cash! It says you only have to pay for it once what a sham. They charge you to use your own fricken cash. Don't get it!!!!!!!!!!