Refer A Friend Bonuses
I'm about to start contacting my friends and family about the referral bonuses. As I understand it, to qualify as a referral, their card must have $100 in it. This could be a 3rd party payment or they could load their own funds, directly.
1) Can they order the card and wait to load funds on it until they've received it?
2) Once the funds are on the card, are they allowed to start spending it, immediately?