No, your card is not a credit card. You can only spend the amount of funds that are available on the card.

Yes and no. Like a debit card, you can use the card at participating merchants that accept Visa debit cards. Also, you can spend only the funds available. However, unlike a debit card, a savings or checking account is not associated with the card.

You will need to activate your card prior to your first use of the card. Please call the toll-free number that comes with your card to access the automated service. Follow the prompts, including entering the last 4 digits of the telephone number that was provided upon purchase. The system will acknowledge that your card is now activated and ready for use.

Your card can be used for purchases in most situations such as where Visa debit cards are accepted.