So many things wrong with this system so where to begin? Despite having an auto-reload function, the card often doesn't work. The online chat help function is abysmal and a waste of time. The call centre, while well intentioned (remember, it isn't their fault the system they work for seems to have been designed by second-rate IT engineers who have never seen a customer) is also hopeless, hobbled by systems that do not operate in real time (example? "I'm sorry you had a problem an hour ago, but the system won't let me see what happened for another eight hours"). And to compound matters, they are operating in a system where you have no choice and the customer service motto can be best summed up with "where else are you going to go?" There must be a better way ...