If anything the company wants to:
1. Check you know your stuff
2. Take back the card, fix the one little thing that is broken (usually it is) and give it back to you (cheaper) or another customer.
Nobody has exact stats on which brand is more reliable. It varies from source to source, but they tend to be quite low.
I would suggest that you buy from a local retailer. Even if the prices are higher, you should still be able to return it to the physical store. Think of it as buying warranty on your car.