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No response from JG so I spoke to my bank. They told me that three further attempts were made to access the gift - the last at 10 pm - so it had nothing to do with any action by me- and that was successful. The bank are replacing my Cr Card but I can't see that it could make any difference to a similar scenario in future. Anyone who has my card number but not the code could pay money out of my account. I hope that they have remonstrated with JG. I am going to try to get a response from JG.
In the case of the Visa Verified matter they have reset my details without any fuss - seemingly indicating they know all about this problem.