American Express does not tell you that they can and generally hold your direct deposits up until 2:00 pm not all the time but late enough that people at my job were cashing their paper checks and I am still waiting. You can't get cash back at register so now you see why there is no fee for this card... My opinion is that you take a close look at why you need a credit/debit card. Because this card is not for the working person. Customer service is overseas, so what is new, they will lock you out of card quickly
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