I had filled out three surveys for our household (me, DH, & adult DS). Only DS's has come. There is a page of instructions that came with the card telling you how to use it. At the gas station, I took it inside and prepaid $10 on my pump with it. They charged the card, had me sign and it worked fine. I think some of the problems people are having is that they are trying to pay for things that are over $10 with the card and then it is coming back as denied. If you tell the cashier to pay $10 on the card first, then you will pay the rest of the total in another way, then it should work. Good Luck!