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What is the difference between these two SIM cards? I'm using eSIM right now and would like to switch to physical SIM

I just received this referral add-ons. Even the data is useless to me because I have a lot of data already but I'm curious. Where does it come from? I had 2 referrals 

There is a problem of signing up a phone plan using TD Debit Visa card. Two cards were tried and they both failed, however, there were enough funds available. Seems like this problem does not occur with regular credit card. Is there anyway to fix thi...