We are a charity and spent over 7k on these cards in 2020 to run a crisis fund to help vulnerable people buy clothes and household goods , , not realising that, after 18 months the balance on the cards would begin to decrease, why would we know this ? We have lost 100's of pounds and people have come back over and over saying they don't work the retailers won't take them etc AVOID! it is a huge rip off to take 90p a month off , how can they justify this .. shocking , it's stealing basically, we paid £50 for each card and have 100's left that are now only worth £35 and going down each month, nice profit for the company. not so great for our charity....