The only problem I had was when I lost them, but it was really a blessing, because they were replaced the next morning, just like the commercial. I highly recomend them. No, wait. I did have another problem. I had bought tc in Canada once, and the bank made a mistake, and issued Can.$$ instead of US$. When you purchase them, make sure they are in the right currency. I love tc and do not travel without them. I've never had a problem cashing them. I usually cash what I think I will need at the front desk of the hotel. It saves pulling out id if I am off site. Onsite, I have never been asked for id.