WEll if you cannot switch it which will probably cost you money to ship it back, you can still use some of the coupons in it now. I believe there is a Target and a couple of others. Also, if you have an Entertainment book for your area, find out what the numbers on the silver card are that correspond with restaurants in your area and use it now. YOu only have to get back only 15 to be even. If you can use more then you will be ahead. I have the orlando book and it has lotsof things I could use in my area.