I used $155 worth Bitcoin to pay for this card, expecting that it would come loaded with 25,000 Startcoin. Now I have come to find out -- through this message board, not through any official communications -- that because I'm in North America, I won't even be receiving the card. The refund had better be for more than $155. Otherwise, I essentially just gave StartJOIN/ANX an interest-free loan, denominated in Bitcoin, that will be paid back to me in dollars that are worth less (relative to BTC) than they were when I made my payment. If so, then that is flat out terrible.