here is the trick, you go to www.costco.com and buy any electronic with your credit card with a Cash Back reward program. After they send you the product to your house you bring it to the costco wharehouse to return it and they can't credit it to your Visa,Mastercard,and Discover, so they have to give you cash, you use that cash to deposit into your checking account and pay your credit card bill. so that's the alternate way to replace CharterOne Gift Card since it's already dead. so good luck people! and let the saga begin again! hahahahahahahaha

suppose you buy 2,000.00 dollars laptop and return it. you get 20 dollars Cash Back with the 1% Cash Back credit card so this is a good deal.