I bought 2 gift cards for my daughter and her husband for Christmas. They waited to use the cards because they wanted to add additional cash for a larger purchase. When they finally went to buy the item they were told the cards were no longer the amount shown on the face. They went to the website and found that after six months they were deducting two dollars and ninety five cents every month. Companies are using our money and charging us for that privilege. They should be paying us for using our money. I consider this a rip off. Needless to say from now on I am warning gift recipients use it within six months or watch it dwindle down to nothing.