The Guarantee with this company has gone downhill. I have spent tens of thousands of dollars with them mostly on Lowe's gift cards. They used to be good about refunds, but not anymore. Now I have a bad card for $172.68 and ive been jumping through hoops emailing, calling, mailing the card back and still no refund. Its been well over a month of giving me a hard time. Their cards seem like a good deal, yes, but just wait until you get a bad card with these guys! You can say goodbye to any savings you thought you were gonna get and will probably eat a loss instead for their benefit