Should I pay for my shopping with gift cards in future?

savefortherain

It seems you can get cashback from TCB for Asda, Morrisons, are there any better places?

My two worries are that 1) you have to use the full amount otherwise it is lost, true? and 2) what about returns for a refund, are they now out, asda have a good policy for returns and i rarely have to use them so this is less of a worry (once in the past decade i think)