My wife got me one of the swap cards that Tim Horton's are advertising. The card you never need to carry money if you have the card. The wife put $40.00 on the card, and on the way to work I stopped off at the Central Ave shop to get a coffee. I was waiting for about 4 minutes, when the server asked for the money, I told her I had $40.00 on the card, she said it would not work. In the end a friend from my work paid for it. I was really embarrassed. I have sent 2 Emails to Tim"s over the last two weeks asking them why I could not use the card. They have not even replied to me.