I have a work discount scheme and a blue light card which I’d like to use to get discounts on my Xmas shopping but it’s driving me mad that I have to out money on cards or buy vouchers that aren’t refundable if you get it wrong. Why can’t these just be a straightforward discount on a purchase price, it would make life so much easier. I have £100 with one retailer that i couldn’t use because when i got all the way through it turned out I was purchasing from a third party on their site but it wasn’t highlighted anywhere this was the case. It’s frustrating and makes me feel like maybe it’s not worth having these benefits because they’re over complicated and it’s easy to make a mistake. The only thing I find I use regularly is cinema vouchers but they’re a single purchase voucher so different to the reloadable ones