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You can use the prepaid card almost immediately. You will receive a receipt from where ever you buy the card. On the receipt there is a phone # to call to activate it. You will be able to use it online after activation but the actual card will not arrive until about 7-10 days after activation. You will have to call the # everytime you reload the card but after the initial activation all will be automated.
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There are people who have money and people who are rich.