Thank you for the lessons, very gracious. I rarely use gift cards, mostly gave up on MS once the low hanging fruit of Vanilla Reloads and Target RedCard stopped. And I’m loath to do anything at a Walmart, I’d sooner gouge my own eyeballs out with a red hot fire poker than deal with Walmart Customer Service . I see the rewards of MS, just not worth the squeeze (or is it the juice) to me . Thanks again.