Well, I tried the Happy lady GC at BB & B and the manager would not have it. The cashier was the one who called the manager, and the manager was not very nice. He had never seen or heard of the "Happy" line of cards, and even though I told them it was to be ran like a visa, he said absolutely not. Oh well, I was able to buy $1000 on the Bj's site for 8% off, with my cc a total 10% w/o having to leave my house. Have not been able to find out when this deal expires, but I got some! Really happy about that, thanks again to jeff_H for the great info.!