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.

If the value drops after i make a deposit then it will reflect that in my balance. No big deal, none of us has a problem with that. The problem is when I deposit say $200, and $150 shows up in my account. It will even show a $200 deposit in my history, but only $150 shows up in my account. Where did that other $50 go? I can find no answer anywhere, and if I ask them about it I get no response. If I go to their telegram room and ask about it I get banned.
If you use your blockcard then surely you have noticed this issue.
On top of that they are keeping the value low on purpose. They take my bitcoins, give me a far lesser value in ternio, from their own holdings, so it drives the price down, and they profit from that.
If you have never seen anyone banned then you just haven't been watching. It is only obvious when the person is irate, using foul language or whatever. When someone quietly asks a question, are quietly banned, and their question deleted nobody notices.
The card uses TERN. Just look at the amount of TERN you hold. Then compare it to the other trading pairs on CoinGecko. BTC/TERN is worth more than XLM/TERN relative to USD. I'm pretty sure the company doesn't want to keep their TERN value low
I see the value fluctuate pretty consistently.
I've seen people banned, but it's always been people who deserved it. No one is banned just for asking a normal question. I actually think the team is more patient and transparent then they need to be with people. The ones that get banned come into a chat and call blockcard a scam (aka this thread) or are cursing at the admins.