A lot of folks are using Kiva to dump office store gift cards. Often the local Office Depot or Staples have Visa/Mastercard gift cards for "free" ($15 off two $200's, or in the case of Staples outright no fee). I find waiting in line only to receive rejection at the Walmart (to buy money orders with them) nonproductive and doing this at home while watching a baseball game better. I've stopped doing this as interest rates have risen and I'm not spending down the number of points I have, so my last loan was made in October, but good to see folks still doing this.