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As far as time constraints go on new cards, I guarantee you... I can go to either of my banks tomorrow, tell them my existing card is worn out, and the girl will:
1. destroy my old card for me
2. create a new one in about 5 mins on their machine
3. help me activate it with my PIN #
4. Charge me nothing.
And yes, I've had to do this a few times in the past 15 years.
AND...if my card doesn't wear out my banks still send out new replacements every few years, again free of charge. They make enough money on my banking and transactions, they don't fucking need to charge me for a new card every time.
I'm sorry, I've never applied for an epass account, no sleight to Keyzer - he's good people... but there are just too many threads of people complaining. Far too many for my liking.
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