TGI Fridays, which shut down the local restaurant in Melbourne last June, has now filed for Chapter 11 bankruptcy, leaving concerns over nearly $50 million in outstanding gift cards. If you have one, you need to use it soon because now, there’s no guarantee you’ll get reimbursed for unused cards. While TGI Fridays plans to honor gift cards, they say if you wait too long, you may end up recovering only a fraction of the value.