For years, I've used reputable survey sites to earn points towards rewards, including gift cards. This past December (2012), I recieved a American Express debit card preloaded with $75; Ihad no problems using it to buy merchandise online. But I did have trouble with a Visa debit card preloaded with $50. I used the Amex to buy a music CD, some books and a backpack from Amazon, but when I attempted to buy a waistpack from Amazon, using the Visa, they kept telling me the payment was being declined. I went to the site, registered my card, emailed them about the problem--no answer, and I'm referring to the Metabank site--and still they won't release my funds. Amazon has been amazingly patient with me, and helpful, as I keep them in the loop. I contacted the survey site that issued the card, and they are apologetic. I have two days to send Amazon money to buy the waistpurse or they will cancel the sale--I can't blame them. There's not enough money on the Amex, issued by the one survey site, to cover the cost of the waistpurse. After reading some of these reports on Metabank, I don't think it's worth it to call them--I hate being on hold or doing voicemail, and don't care to talk to a non-American. I will definately warn the survey site to never use Metabank again. Hopefully I can get something else with the points I earned, and can return the card since it's obviously useless. This has been going on for more than two weeks. It's not fair, period, especially to the issuer and to Amazon.