[Spoom]

If at all possible, people in this sort of situation would be much better served by joining a credit union.

I was under the impression that most people using these cards were using them because:

a) They distrusted banks because of a prior history of being screwed by them, or

b) They were unbankable because of a ChexSystems report preventing them from being able to open a traditional bank account.

Is this not the case?

[nradov]

Regarding point "a", credit unions are specifically not banks. They have a separate legal structure.

[Spoom]

I very much doubt that the people affected by point "a" above would consider them different.