I ordered two visa gift cards from giftcardmall.com. The first visa gift card ordered was sent via UPS next day air guaranteed delivery for 12/31/2012 by 10:30 AM. I received the activation code for the visa gift card via UPS next day air but I never received the visa gift card on 12/31/2012. The tracking information said the visa gift card was out for delivery. I did not receive my visa gift card from giftcardmall.com until 01/02/2013 at 10:17 AM. When I called UPS for a guaranteed service refund a supervisor named Wendy advised me that they were not able to issue a refund for the express delivery fee $19.99 because the service contract with giftcardmall.com does not allow refunds. So basically I had to eat the loss of $19.99 because UPS had too many packages on 12/31/2012 and not enough drivers and giftcardmall.com would not issue a refund of the shipping charge. For the second visa gift card order I received the visa gift card on time on 01/03/2013 as promised via UPS next day air mail before 10:30 AM, BUT the activation code that I received (on the same day, different envelope) was not for the correct visa gift card! They overnighted the wrong activation code, the code that was sent to me via UPS next day air mail was not for the card I ordered on giftcadmall.com. The activation code I received was for another gift card ordered through Staples.com b(staples.com is an affiliate/partner of giftcardmall.com). I didn't even order overnight service for Staples.com. I called customer service for giftcardmall.com and they said they would send a request to their "second level" to activate the card by the next day 5PM eastern standard time. I am sharing my experience so that others may make a more informed decision when buying from giftcardmall.com.