Interesting new behavior I encountered for Vanillas. They now auto-flag themselves for replacement if you swipe too many times and fail, which means easy replacement and outsourced brain dead phone rep in India doesn’t attempt to stop you. SecureSpend however is same as before, they want to send it to some ........ “backend team” (why does any firm think it makes one iota of difference how their internal structure is setup? Especially when they use it as excuse against you?)