Bought 3 cards on Jan 9, they would not work. After calling customer service 5 times and waiting on hold each rime over 20 min before hanging up, I finally got through - I was told the cards had been compromised before purchase and that replacement cards would be sent out in 5-7 days and they took all my information. I have kept the cards and all my receipts ( this is not the first time this has happened but I always got my replacements int he past). It has now been 11 days and i am back on a call to see when they were mailed. I have been on hold for 21 minutes as I type this. Sadly I think Kroger need to go with another gift card company for their Visa/MC gift cards