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Yeah, if you have funds in your account they are accessed first, before your credit card is charged. 

Couldn't @fred22  log into his account and change profile information to his son's name?

I also got several ads by text when I got a new number with Public. They were from stores the previous holder of the phone number was getting special offers from. Some told me what to do if I didn't want them anymore, like text 1 if you want to cance...