Isn't it fantastic when you get a really good one! Unfortunately my really good one has been unallocated from us!! It makes me very, very angry. Next time I need something it will be like starting all over again. I rang today to ask about the card because I need to go on direct payments, I knew it had been sent because she rang me & told me. They have sent it to MILs, duh! I said could they send a replacement to me, the lady I spoke to said no. So I told her that if that was the case then I am unlikely to ever get one as MIL has AD & that with the best will in the world I cannot police her mail as I do not know when it will arrive. It is being sent to me!