just bought and used a NEW Hyatt GC with a PIN. No issues. SAVED 7 pct, which seems like a realistic savings. I would hope 5-15, with edging up to 15. The eBay ones, that were 25 pct and beyond, and after you consider the Sellers fees to use eBay at 10 pct, paypal fees, plus fess if bought with a CC.....>SHOCKED that those we all fishy