I spent over $500 when was the birthday wish when was the sympathy and two words thank you and all four people were involved together tried to send their cards together and it's even a miracle that I found out they had to laugh about it because the cards did not work now I have to face these people again and guess what I don't have cash on hand to even hand it back to them say I'm very sorry I'll just have to bear with the embarrassment again I wish the company would contact me I just wish I'm a good person I am an honest person but I will never have anything to do with Visa again unless the opportunity is made to rectify the User's recommendation: Don't use Visa or my vanilla.