Are all the Netspend credit card reviews bad? I would like to get a prepaid Mastercard or Visa that's not a ripoff and I had gotten a solicitation for the Netspend card. I went and typed in Netspend credit card and all these bad reviews came up about it. There was a story that claimed when you add someone onto a Netspend account all the funds are frozen and you won't be able to access it. Then there were complaints about every call to customer service costing 50 cents. I don't remember seeing that on the Netspend Mastercard webpage that should be disclosed upfront don't you think?