coin

coin, the ONLY credit card replacement that, does a great job to take your money up front and do not give you a product. Nobody has a review unit of it. And everyone and their mother is freaking out. 

Nobody should be giving their money away to spend more money.

My biggest problem with coin is that, it's suppose to be a credit card replacement... and they called it "COIN!"  Seriously. COIN. wtf.