I use the Cashplus gold Mastercard, i use it for mainly purchases on the internet, as i have no debit card. I have had it for 4 months now and find it very easy to use! There are 2 payment options on this particular card, you can either pay a monthly fee (i pay £4.95) or you can choose to "pay as you use" where they add an certain amount on everytime you purchase something. Withdrawals are also charged. I choose the monthly fee as i use it quite alot, and it is more cost effective to pay the monthly fee than every purchase. It is also free to load money onto the card at the post office. I have never used it to hire a car, but it does say in the t&c's you can use it for this, but you have to phone up and get a higher authorisation which shouldnt be a problem if you use your account effectively, i.e make sure your monthly payment is loaded (if this is the plan you chose) onto the card when it should be and dont use it when there is no credit on, as it will just get declined! There is not much more to say about these cards, if there is no credit on, then you cant use it!!!