One bad surprise I had with Spectrocoin is I feel like the web site is playing on ambiguity about fees.
For plastic VISA cards the web site says "**Service fee is not charged, if card balance is 0".
Which makes think months with balance 0 aren't charged ever, at all, which leaves you with a peaceful mind if you don't use your card for a while.
Whereas in reality all accumulated months are charged back as soon as card balance becomes positive again.
As an example if you didn't use your card for a year, all your accumulated months are suddenly charged when you use it again.
I don't mind that, but they should make it clear at first.