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My brother ruined his GTAIV disc the first time he put it in. He uses a cable to connect to the internet, and when he was plugging it in, he accidentally jolted the 360 while the game disc was spinning in the drive. He cut a nice ring all the way around the disc.

When he took it back to Target he told the girl at the counter that the disc came that way and she gave him a replacement. I think it kind of depends on how stupid of a person you get at the store.