I do not know what any of these negative reviews are talking about. I have had my netspend card a LONG time. So has my mom, and my sisters. We all have netspend accounts because its really quick and free to transfer money to each other...like, if my little sister is stuck somewhere and needs $20 really quick for a cab or something, I can just go on the app on my phone and send it to her instantly. I have had my payroll checks, my chilld support payments, and my tax return all sent ot my netspend card for years with NO PROBLEMS WHATSOEVER. I have a $10 cushion for overdrafts, it comes with a savings account with a great apr too.
If you think this is a gift card, you are wrong. It's a debit card, and yes, they do need your social security number. Duhhhh.
If you think this is a credit card, and you can put things like rental cars and hotels on it without a huge amount of your money being "held" and therefore not available for use, you are wrong.
When you get gas, it sometimes puts a $100 hold on your account balance a few minutes. I'd rather deal with this than deal with Bank of America charging me $35 for an overdraft.
I've never had problems charging large purchases, money dissapearing, or withdrawing large amounts of cash.
One time I had to call customer serivce because I had cancelled a plane ticket, but the refund hadn't appeared in my account yet. The netspend rep told me to email her a copy of the airline cancellation confirmation, and the money was back in my account the next day.
If you can't figure out how a prepaid debit account works...lol. Netspend is great.