Not sure where you live, but I also have a netspend card for the same reason, most likely. We travel for a living and it is convenient. Can load it almost anywhere now. Been with them 6 years+ Never had a problem getting a charge taken off my card as long as they could speak directly with the company to verify that they would not collect on the hold. Just went thru it with Kohl's a few days ago on an ecard gift certif. for my adopted DGD. In 5 years, I have never paid to replace a card. If they try to tell you that again, get a supervisor, or another representative and insist that it is their mistake and they need to waive the fee. They are really pretty good about it. Just gotta push it a bit. Glad things worked out, but be careful where you order.