Well as Ed said these guys are shady..These cards are USUALLY a result of stolen merchandise returned with no receipt- You must use your drivers license without a receipt and the system tracks returns and if its like 3 returns within say 6 months, you can only get a merch card. well crackheads and others sell them to people for 50% off. i got a card off of a guy a few times and the one time i didnt check it, it was no good. he called me the next day and likely assumed that i hadnt checked yet or needed money so bad he didnt care, it was worth a shot, i didnt say anything to him about the bad card i acted normal so hed meet me. i was stupid and met him at my place, he handed me the card and i reached in my pocket and handed him the bad card and said were even see ya.. he bitched and moaned for awhile then started threatening me - i was already irritated so long story short there was a fight and he stabbed me. Barely missed my lung. he ended up getting picked up for other stuff so yeah they got him. All in all it was my fault for playing with fire. these guys are so screwed up, dont ever trust them they are heroin addicts and crack addicts literally stealing thousands of dollars a day. lowes and home depot know ive actually talked to them about it but they just dont want the liability of being sued. Just be careful..