My daughter Godfather send this as X-mas gift - will and good.

Bought and paid for it with a "fee" - this is an expense for the puchase at the store.

We got it in Jan 6, 2020 in Las Vegas, NV.

I just activated it to my PayPal online account - just 30 minutes ago.

I asked how much it is worth now? $85 only.

The "fine prints" says that it will cost - the card monthly fee of $4 "plus" something per month charge on the card if not used all to "zero" amount.

Used PayPal since day one in all Ebay purchases, would reload at $500.00 for cards purchased at drug stores, regular at $3.95 per card load.

One in the family use a "link to the bank" PayPal since day one also.

Another son does not, who is an MBA Finance. No PayPal at all.

Which one is better "finance"? I do not know the answer to this question.

Would like to hear other readers "experiences".