Never had a dud card ever in the past and all my issues for past few days involved 1 dud card with 12/31 exp. When i called them earlier, they kept saying it is fine and active. Today when i tried to load same 57 error code. So tried the card to buy a regular grocery purchase. Declined both with pin as debit and running as credit. Seems i have to call again and fight for a replacement card.