109 is a "Delayed Redemption" error. When you buy the card, there is a 30 minute-1 hour delay in it's "Redemption Activation." The card may be active, but the actual ability to redeem takes some time to come into being. Just wait a while and try again. If you still have problems with the card after that time period, you can call the number. When it asks you to enter the pin, type 0 then # three times, waiting for the automated message to complete each time. When it asks you if you'd like to speak to an agent, press 1. You will be connected to an agent who will be able to assist you.
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