I want to know the same thing. I use the cash card for restaurants/tips. Card was declined and when I looked and saw 0 balance... I was like, huh? Where is the top up. If I have to pre-fund my card, I'm not going to use it as much, or not at all. It was great because restaurants get their tip when they settle up, where as my bank will not pay any amount past the original transaction when the card was presented. That means no tip based on signing the merchant copy of the bill.
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