"Is the Simon Giftcard a credit card? No, the Giftcard is a prepaid Visa card with the value of any amount you select between $20 and $500."
Simon.com offers gift cards; NOT actual debit cards. Though the line of credit is drawn on a bank, it is considered a throw-away card.
You are REALLY missing the point; which is that these new cards can be obtained by people who, in the past, were not able to get them, such as foreigners.
Read the post and actually understand it before you get on your horse and talk down to sr. members.


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