Not right that the cards weren't sent out before you made the switch over to the vault account. Luckily I have PayPal & can transfer money to a different card but I've spent about $35 in fees so far just to be able to get my check. The operators club is useless and has never had one reward available in over a year. What's the point?! 🛑Took almost 2 months to receive physical card. And your response doesn't address any of the issues I wrote about. What's the point of the operators club?