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? About cashplus pre-paid card

Hi,
I applied for one of these cards and have had the form through today to pay for the card at the PO. The application is asking for the £4.95 fee for a months worth of use, the thing is I would like the system where you pay £1 per transaction, does anybody know if I have to change the system once i have the card? Or if I can change the system over before I get the care?
Thank you guys.
Debt free and plan on staying that way!!!!

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