I bought a card, it had a zero balance. I was ran through a lot of hoops and then told it could not be refunded because the company was going out of business. It wasn't when I started the dispute, but by the time I received a response and finished running through hoops, it was. Terrible response time, and terrible service. I ended up filing a dispute with my credit card company. A few weeks later I went to use a different card I had purchased prior to this ordeal. It too didn't work. I called and the rep verified that the pin was invalid on the card and the card would not work. They could not refund me because my account had been put on hold because of the dispute. This is completely unrelated and even verified by the customer service rep. What a crock. DO NOT BUY FROM THIS COMPANY. The "guarantee" is a JOKE!