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Indeed, the whole "never ascribe to malice that which is adequately explained by incompetence" bit.

I think there's a strong likelihood that the numbers 9, 19, and 39 were chosen because with the $1 card fee, they make nice round multiples of $10. Put a $20 bill in, get a $19 card.

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That is great when you are buying the card new, but why do that for the refill screen? Surely the typical rider refills more often than buys new, so you are going to make change more often than you would with round number charges for all transactions.

That's a completely different screen. I usually use unlimited, but I'm pretty sure it has the expected 10/20/40 amounts (each with the +5% "bonus").

I switched back to a money card from an unlimited a while back. This is correct. I can't recall if it's 10/20/40 exactly, but they're all multiples of 5, for sure.

It's definitely 10/20/40.

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