<prompt> Human: At rates like 5.85 for the first 5,000 at Mango money or 5 at Netspend, why is there not more discussion? These deals seem to trump something like Synchronys 1 for starting a savings account. Am I missing something?edit: Thanks for the feedbackinfo!  <response>: People do these. But with the limited dollars allowed, its not very practical for large amounts, and not very rewarding in an absolute sense for small amounts. If you go over the maximum dollars allowed, then your interest rate plummets. There are typically transaction fees and monthly fees on these, too. Keep in mind that the company is making money on these cards, and think about where that money is coming from. You have to love this sort of disclaimer:Communications. We may contact you from time to time regarding your Card Account. We may contact you in any manner we choose unless the law says that we cannot. For example, we may:1 contact you by mail, telephone, email, fax, recorded message, text message or personal visit; 2 contact you by using an automated dialing or similar device Autodialer; 3 contact you at your home and at your place of employment; 4 contact you on your mobile telephone; 5 contact you at any time, including weekends and holidays; 6 contact you with any frequency; 7 leave prerecorded and other messages on your answering machineservice and with others; and 8 identify ourselves, your relationship with us and our purpose for contacting you even if others might hear or read it.Our contacts with you about your Card Account are not unsolicited and might result from information we obtain from you or others. We may monitor or record any conversation or other communication with you. Unless the law says we cannot, we may modify or suppress caller ID and similar services and identify ourselves on these services in any manner we choose. When you give us or we obtain your mobile telephone number, we may contact you at this number using an Autodialer and can also leave prerecorded and other messages. We may do these things whether we contact you or you contact us.So they can find your mobile number, not identify themselves by caller ID, and contact you any time day or night by robot automessage at any frequency they find interesting, and you agree that this is just fine. Why do you think they reserve the right to do all that? 