How Is Visa Involved
Visa is not a credit card or gift card issuer. The company is a network for banks and businesses that want to issue Visa credit and gift cards, which are cards that come with different rewards. Visa creates the rewards programs so that banks dont have to come up with their own.
This means more consumers will have access to the rewards, making them more attractive to Visas partners who provide them, who then can then offer them to consumers at a lower cost. Visa also does not issue gift cards. Those come from banks, stores and other businesses. They are part of the Visa network, which helps advertise and promote the cards.
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Can I Use My Card At Restaurants Or Other Service Industries When I Have Enough Money Left On My Card To Cover The Bill For Food Or Service
Some restaurants and other service-oriented merchants may factor in an additional 20% to cover any tip you may leave on the purchase. If this occurs, and your total bill, after adding in the additional 20% , exceeds the amount available on the Card, it will be declined. Accordingly, you may want to ensure that your Card has an available balance that is 20% greater than your total bill prior to use. Similarly, some hotels chose to factor in additional amounts upon check-in, and it may take up to thirty days after your stay to have any excess amounts held by the hotel added back to your available balance.
Analyze Your Spending Habits
I dont shop at some major stores ever. Its not that I dont like them Ive just found them to be too far away geographically, or out of my comfort zone. For this reason, Ive become very familiar with the stores I use most, and their policies for using prepaid gift cards. Walgreens, for example, has no issues about letting me pay for a purchase with multiple methods of payment. This makes my local Walgreens store a great way to ditch balances with little interruption to my shopping routine. If Im taking advantage of a Walgreens Register Rewards deal, and want to buy several packages of diapers, I can just ask the cashier to apply $2.36 of my purchase to the gift card, then pay the remaining balance with my regular credit card or cash. Easy peasy. Other stores are really great about this too.
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How Do I Know If Im Being Scammed
Someone might be trying to scam you if they ask you to buy a gift card and share the card number or pin/code in order to pay for something outside of the normal use of the gift card.
A scammer calls and pretends to be from a government agency . The scammer says that you owe money for taxes, bail money, debt collection, utility bills and more. They tell you in order to avoid arrest, or to prevent the seizure of physical items or your personal identification information , you have to pay them with gift cards.
A scammer claims to be a family member in trouble, an attorney, a boss from your company, or another representative of your family member. The scammer tells you that they need to be paid in gift cards in order to remediate the situation. They may deter you from attempts to contact the family member or person they are claiming to be to verify the claim. Dont believe them. Never buy gift cards for them or provide them with any gift card numbers or pins/codes over the phone or through email.
These examples only cover some types of scams. Scammers constantly change the ways they trick people. If anyone asks you for a gift card number or pin/code, it could be a scam.
Why Cant I Use My Visa Gift Card Online
Visa gift cards are linked to bank accounts that generally must be activated in order to receive transactions. Inactive cards will be declined if used for payment because the associated bank accounts are not ready to be used. The same is true for Visa gift cards, whether you buy them online or at the store.
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How Do I Check My Visa Gift Card Balance Online
How do I use my Visa Gift Card online? You can use your card for online purchases by entering the card number, expiry date and the 3 digit code found on the back of the card. Occasionally websites will ask for the name on the card, in these instances simply insert Gift Card in the field provided.
Question: How To Check My Balance On A Visa Gift Card
Start by looking at the back of your gift card. Typically, youll find a toll-free number you can call to discover your balance. Or you can check your balance by visiting the card issuers site and entering your cards 16-digit number and security code.8 sep. 2021
How can I check the balance on my gift card?
- Easily look up your gift card balance by entering in the 10 digit gift card number, select the checkbox, and click Check Your Balance.. View the beginning balance of your gift card, any redemptions by date, and the remaining balance of your card .
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It Can Be Tricky Especially When Shopping Online
If you received a gift card over the holidays you might have already used it to buy yourself something you wanted, like items for your home or the latest electronics. But what do you do if, after your purchase, your card still has a small balance?
Its wonderful to receive a gift card, but it can be frustrating when you have just a few dollars or cents left on it, says Trae Bodge, a shopping expert for GiftCardGranny.com.
There are many reasons you may wind up with gift cards with a few dollars and cents left on them. Asking the cashier to apply, say, 50 cents toward a purchase can be embarrassing, says Bodge. Plus it’s easy to lose track of a card’s balance, or to not think to use the card when shopping. There can also be logistical hurdles to using up a small balance when shopping online.
Zaida Khaze, a 45-year-old Fort Lee, N.J., resident says she has a wallet stuffed with not-fully spent gift cards she’s collected over the years. You don’t want to throw something away that’s worth money,” she says.
She’s in good company. According to a recent Consumer Reports nationally representative survey of 1,004 U.S. adults, nearly 20 percent of Americans say they have three or more gift cards with balances. And nearly 40 percent of them say those cards have values of $25 or less.
Do you have a few small-balance gift cards taking up valuable wallet space? Here’s what you can do to spend them down.
What Do I Do If Im A Victim Of A Gift Card Scam
Report the scam
If youre a victim of a gift card scam, report the scam to your local police department. You can also report the scam to theFederal Trade Commission.
If you are a victim and the card is an Albertsons Companies gift card, contact our Customer Service Center. If you report the scam, it may help you and others from similar suspicious activities in the future. Call 1-877-723-3929, option # 4 to speak to our Gift Cards Customer Service Team.
*There is no fee for cash reloads at Jewel-Osco locations for any Everyday Select Rewards Prepaid Visa Card. Reload fees may be assessed by other reload locations and may vary from location to location. See the Cardholder Agreement for details and additional fees.
**Faster funding claim is based on a comparison of our policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payors support of direct deposit and is subject to the timing of payors payment instruction.
****ID verification required. We will ask for your name, address, date of birth, and your government ID number. We may also ask to see your drivers license or other identifying information. Restrictions apply. See card package for details.
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Final Thoughts On Converting Visa Gift Cards To Cash
Visa gift cards are pretty flexible in terms of how you can use them. Given that theyre accepted anywhere that also takes Visa credit cards, you already have a huge array of options on where to spend the balance on your gift card.
But its true that sometimes having cold, hard cash is preferable. Its easier to track as part of your overall net worth, for example, and youre not limited in case you plan to use the money somewhere that a Visa credit card wouldnt work.
In those cases, one of the options on this list will definitely help you out. Just keep an eye on the fees to make sure theres not a more affordable option for what you intend to do with the money.
But once youve decided how to proceed, in only a few clicks, that money will be yours!
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Tips For Using Gift Cards
Check to see if you can register your gift card as soon as you get it. If you lose it, you can then freeze it and get a new one otherwise, someone else can use your card.
Always have a credit or debit card ready to use if, for some reason, theres a problem with your Visa gift card. The last thing you want to do when there are other people waiting at the checkout line behind you is to have a long conversation with a cashier or have to put your items back.
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On The Target Website
To learn how much money is on your Target gift card, head over to Target.com/guest/gift-card-balance. Once you are on this page, follow the two prompts listed. You will have to enter the number, which can be found on the back of your card. Then, you will have to enter an access number. If you have a physical card, you may need to scratch it to reveal this code. Then, click check balance and the number of funds on your card will appear.
Make Note Of Your Balances
Again, simple idea here: Some of the newer gift cards have a little box on the back of the card that let you write in the amount you have left after each purchase. Others give you nothing, so I suggest wrapping a sticky note around it with the balance written on it. The next time youre waiting to check out, you can easily identify which card will have the balance closest to your purchase amount.
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Calling The Gift Card Company
What Is The Difference Between A Pending Transaction And A Posted Transaction
Pending transactions are authorized transactions with a hold for the purchase amount until the transaction clears. Posted transactions are purchases that have cleared on your card. There are some pending transactions that are more or less than the amount you actually spent. Some retailers place a pre-authorization amount to ensure the account is active and that you have enough money to cover the purchase. Once the transaction posts to your account, the pending transaction will be removed within a few business days, and you can use the funds again.
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How Do I Activate And Register My Navy Federal Gift Card
With your Navy Federal Visa Gift Card in hand, please visit navyfederal.org/mygiftcard.
If your card doesnt have a personalized name, it will automatically activate in one business day. To verify your card is active, enter your username in the Username field and click Sign In. Please note, if you have not created a username for your gift card, select Need Username? under the Username field.
If your card is personalized with a name, click Activate. If this is a new gift card, youll be required to select a 4-digit PIN.
Once signed in, to register your card, click “My Profile” and under the “My Settings” drop-down menu, enter your name, address and phone number.
Note: The fields marked with an asterisk are required. All other fields are optional.
Checking Your Balance Online
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Know What Your Balances Are
This seems obvious, but there are times that I may have one or two cards floating at the bottom of my purse that Im not sure how much is left on them. While I prefer to use the web address printed on the back of each card to find the balance, some will only allow you to call an 800 number. Another thing to note is that in order to check your balance online, you may be required to register that card. The benefit to doing this is that your balance is stored online, and in case of a lost card, you can at least make purchases online with it or possibly get a replacement. The drawback is that you may not want to keep the card forever and you dont want to register a card that someone else may try to register in the future.
Ask Gift Card Girlfriend
Have a gift card balance check question for Gift Card Girlfriend?
Gift Card Girlfriend Tip: I always check the balance of my gift cards before going shopping to make sure there are no surprises at the cash register. I want to know exactly how much I can spend in order to use the full value of the gift card.
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How To Transfer A Visa Gift Card To A Bank Account
You can transfer money from a prepaid card to your bank account indirectly by trying some of the following options, which we go into more detail about above: