I got this card, because it looked better then the one i had, from a different bank. but i found out soon, that this was just a regular scam. they charge you for everything you can and cannot think of. a monthly fee is charged for what? for nothing. they charge you that together with all transactions. i used the card overseas, ATM fees are $10, when they tell you it is only 3.95, $1 fee for every transaction, regardless of credit or debit or online purchase or paypal or anything. I'm closing my acct. I'VE HAD ENOUGH!!!!!