I am still not fully sure about SpectroCoin. I recently posted in one of their threads about whether their card fee would stack up through different payment periods regardless of whether the card had any balance in it or not. In the website it claims that it does not and that it will only take money out of the card if the card has any balance inside it. The support team, however, said otherwise. In their thread (https://bitcointalk.org/index.php?topic=577176.msg21641997#msg21641997) I asked about it and they said that it stacks up and is deducted according to the amount of months that it has been used, regardless of whether they are active or not. It seems to contradict my experience and I am therefore waiting on clarification on their part. They are also in the quarantine section of the OP here, but I asked about what the reason for that was and nobody seems to have answered to me, so I remain unsure about that one. Please share any experience you might have had.