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Those guys are idiots. It's a debit card and it's marketed to individuals that do not have a bank account. You can do a bill pay service and received direct deposits. I wouldn't exactly take any financial advice from the likes of those characters.
This Rush Card is a prepaid visa, so it is not really a credit card.
You have to deposit money on the card in order to use it to purchase anything, so there's no way you can spend more money than you have.