I have this exact same card, I don't like the fact that it cost me $1 everytime I use it as credit. $2charge if I use it as debit it does give me the option to get cash back though. I've read everyones bad expereinces with the card and it sounds to me like everyone has bought it thinking it's a gift card. It's not everyone who has had problems clearly didn't know what they were doing.... Lets face it you obviously don't have good credit or you wouldn't be using a prepaid credit card. It's cost like $10 a month to not have the purchase fees or you could pay for hte whole year for like $70. Looks like if you set up direct depoist it's only $5/month with no purchase fees. i made the mistake of paying at the pump $20 it gas plus a $75 hold untill the funds cleared took almost a week.. this was written on their website..
lets face it's nothings free it's pre-paid card, even if you buy a pre-paid gift card your still paying 4.95 everytime you buy a new one.
netSpend also lets you create your own design, you could have a picture of your children or what ever you like of coarse that costs another $10
all and all, there no hidden fee's you just have to read what you buy before you buy it.. or suck it up and pay for a plan it's going to save you money in the long run unless your just using this card to pay a couple of bills
if you use this card to only buy a bottle of soda and bag of chips (small things) this card is junk without a plan..