1st card came in with chip not working, once I receive my new card from the bank I sent it right back with the original one that was not working, then received it right away over all 10 out of 10 I do understand mistake do happen but they kept in touch and answer all my question right away, on the process of the new card I did ask for a change from black to Gold and they manage to change it up for me, will definitely recommend to others. Great Job guys 100% satisfied.