If you didn't submit your cards before February 16t, when they changed the policy from paying upfront to paying on the back end... there isn't much to complain about. I get it, they are backed up and people arent getting their items exactly when they feel they should be getting them. That's how life works. But for those that have had not only their cards, but also their money tied up, that's a bit of a different story and i feel they should certainly address it. Its gotten to the point where its borderline disrespectful.