I was reading the other set of Cobalt posts - coincidentally - the night before the post, I got tired of never being able to fund it - so I purchased one lb columbian coffee and shipping and was ready to snap it in the drawer. Sure, it looked dynamite, and so did the X.com Titanium Visa (check card but didn't have the words "check card" anywhere on it). But, if you can't use it, you can't use it! I now have $1.78 available....do they take this at Hertz???? LOL dogman AS always, protecting our nation with real bravery and bad humor!