I bought a FIDO card last week (Jan 08) and they charged $60 for the SIM which came with $25 credit. Also ran into the problem with the credit card fiasco. When I tried to refill in store it took me over 15 minutes to purchase a refill, and then another 10 to go through all of the options on the automated menu. IMPORTANT: There are a number of different codes you will need, the one to refill is different to access your voicemail - keep the paperwork!!