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I hate them! I've never had one before (except ones linked to bank accounts which are alright) but I know how awful they are. The credit card debit cards, the ones that have a certian amount already on it, much like a gift card. I remember working at a store and when you get down you have to remember exactly how much is on there else it won't go thru if you are over. And inevitably you end up with a few bucks left over that you just can't seem to spend and thus wasted. They seemed like the stupidest things ever. And now my school decided instead of sending you a refund check they would send you your refund on one of those. How lame And they'll charge you to send you a check instead. Even lamer.