As a former big bank executive, I am frightened about the future with 5 banks controlling 80% of the US market. And, the election of Trump and his recruitment of Icahn as an advisor on regulation, gives me little hope that change is on the horizon. So, I have a pre-paid VISA ( the AchieveCard ) and a pre-paid AMEX ( Bluebird ).
My biggest issue is that I filed a dispute on 11/19/2016 and on 11/23/2016, a decision was made by the dispute department based upon the "facts at hand" as I was told by a customer service representative. The funny thing is I was never contacted during that process as all VISA issuers are required to do. I had emails showing that I had requested the merchant to cancel my subscription in July 2016, and I was charged in November, 2016. So, guess what, I am getting a NetSpend account. Bye, Bye AchieveCard.