I'll chime in because I use BlockCard as well AND took the time to read this whole thread. 

1) BlockCard and Ternio are definitely not a scam.
2) A lot of the criticisms said here are completely untrue or inaccurate.  Anyone doing even minor due diligence can see that.
3) You can't complain about a company just because a crypto price value went down.  I don't call Vitalik or Ethereum a scam because ETH is down.

This thread seems like it's designed just to spread FUD or hurt the reputation of the company.  I'm not saying you didn't lose some value in your balance, but the company didn't take it from you.  Crypto value fluctuates and that's how blockcard markets itself.  Users get to stay in crypto until they spend.

Also, i've never seen anyone banned from their telegram unless the user was asking for it.  Usually it's people who are abusive to the moderators or just cursing a lot.

I'm all for pointing out scams, but anyone doing even some level of diligence can see blockcard isn't one.

Just my two cents.