I bought one today because there is something I wanted to buy online--I didn't know there are monthly fees and I have to give them a bunch of personal info. I haven't activated the card yet--customer service is closed. I used to be so good about researching everything--but for some reason it did not even cross my mind to check things out first---I hate only having 1/2 a brain!!!! grrrrrrrrrrrrrrrrrrrr....... I hope someone can help me figure this out. Thanks.