A NetSpend prepaid/reloadable Mastercard showed up in my mail today. It’s not a rebate, I didn’t ask for it, and both my job and my tax refund pay by direct deposit to my bank account. Is this a scam? Has someone already stolen my identity? I don’t think the card even has any money on it.

Maybe it’s a marketing gimmick–remember how AOL used to send out AOL disks?

But Netspend is one of the worst prepaid cards you can get: