What You Need to Know About Gift Cards and the Law

Gift cards are the quintessential easy gift idea. Everybody uses them, and they avoid questions like “Will this fit her?” or “Will he like this?” Gift cards and gift certificates are available from all sorts of stores, ranging from the mundane like grocery stores and drug stores to more specialized businesses like spas and travel agencies. No matter where you purchase or receive a card from, however, it is important to protect yourself as a consumer and be familiar with your rights surrounding gift card use. After all, these are used as form of currency and ought to be treated as frugally as one would treat cash.

What can I do with a gift card I don’t want?

There are a lot of options for putting gift cards you don’t want to good use. There are websites that exist for the sole purpose of buying and selling gift cards. Gift Card Granny, for example, will buy your card for 60%-80% of its value. You can also sell your card on a website like Craigslist or eBay. Other websites like Gift Card Swapping allow you to trade your gift card for one you’ll actually use.

If you’re feeling charitable, many nonprofits, including local schools and churches, will accept gift cards as donations. Gift cards are also great for re-gifting. There’s no reason to let any gift card sit around and be forgotten!

Can my gift card expire? Can I lose the balance on my gift card?

The short answer: It depends on what state you live in.

The long answer: It depends on what state you live in, and the extent to which your state is complying with federal law.

In 2009, the Credit Card Accountability Responsibility and Disclosure (CARD) Act [gpo.gov/fdsys/pkg/PLAW-111publ24/pdf/PLAW-111publ24.pdf] passed into federal law. The act covers a lot of ground surrounding the protection of credit cardholders, but it also created some federal standards for gift card issuers that are intended to protect consumers. These include requiring that cards, with a few exceptions, expire no less than five years after issuance and that dormancy fees can only be charged after one year of inactivity and only if these fees are fully disclosed to consumers. According to the CARD Act, stores are allowed to begin charging dormancy fees – meaning, a charge to keep the card active when it has not been used after a certain amount of time – after one year of inactivity, and no more than one charge per month. Eventually, these charges may deplete the value of the card. This is an important way stores and major card issuers like American Express make money. However, some states have introduced additional, and sometimes contradictory, legislation surrounding gift card law.

For example, New York law allows stores to begin charging monthly dormancy fees after just one year of inactivity. It is also legal for stores to charge a replacement fee for lost cards, and they do not require stores to give cash back for small balances on cards. …

Tips For Stretching The Use Of Your iTunes Gift Cards

If you love shopping on the Apple App Store or on the iTunes Store, you will certainly love receiving an iTunes gift card as a present. And even if you don’t receive this item as a gift, there are various online shops where you can get this particular type of electronic card easily. There are also different payment methods and amounts or denominations available for you choose to from so you can buy the best one that suits your budget and requirements.

Once you get your iTunes gift card, you can certainly shop to your heart’s content. You can download all the apps, songs or albums, TV shows, and movies you want on your Apple device. You will easily be tempted to max out this card on all these items. However, you can still stretch the use of or amount loaded in your iTunes gift card. How? Follow the tips below:

Buy affordable or discounted iTunes gift cards. You will certainly save money and get the most out of your iTunes gift card if you buy one that comes at a discounted rate. This will be especially helpful if you plan on spending a lot on iTunes or the App Store. Find out which online stores or supplier sell iTunes gift cards for less than the actual face value. There are also some sites that buy this type of electronic card from people who don’t want them and re-sell them to buyers for a discount.

Go for the free items first. If you really want to stretch the spending power of your iTunes gift card, find and download all the free stuff first. You can download most of the most popular apps anyway such as games, basic office-related ones, and the apps you can use for editing and sharing photos. You can also use the Top Free chart in the App Store to find out which games and apps can be downloaded for free. There are also blogs and websites which share information on which songs are available for literally nothing on iTunes.

Look for and make use of available deals. Lastly, do some research to find out how you can save money when downloading some items from the App or iTunes store. Certain websites track and share deals and coupon codes you can use for some apps. Other websites or blogs also share details on which movies have recently seen a price drop on iTunes.

Learn more about optimizing the use of iTunes gift cards here.

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Custom Playing Cards Are a Great Corporate or Personal Gift

Everyone loves to enjoy a quick game of cards. For centuries now, the classic deck of cards has been a staple game in very household, and this is true today too. There are so many different games to play with just one pack of cards, it must be one of the most universally popular and innovative games in our history.

Increasing numbers of businesses and individuals are choosing custom printed playing cards as a way of creating branded corporate gifts and personalized gifts. Printing the back of each card with your chosen design, image or logo is the perfect way to get a message across and give people a welcome gift. There are many reasons to choose custom cards, here are just a few.

Corporate events – Many companies need high quality gifts that will strengthen their brand and allow them to give new contacts, guests and visitors a valued gift. At most corporate vents the standard practice is to create a 'goodie bag' of items that are all branded with the company logo and livery. These items can include note pads, pens, pencils, memory sticks, leaflets, t-shirts and more. And lately this bag of goodies has included a customer set of playing cards.

Private functions – Parties, weddings, bachelor parties, celebrations, kids parties, again the list is endless. These are all the perfect time to give your guests a memorable and fun gift by having cards printed with your chosen design or a suitable photograph and message. Wedding couples have used them as favors. They have also been used widely for children's parties with a colorful image and simple message on the back of each card. They are the perfect gift that makes guests smile! And of course, they are playing cards so are always useful and there is no doubt they will be used.

Team building events, club events, clubs and organisations – All over the country there are literally millions of groups, clubs and organizations that value having customer cards printed. They use them as gifts to give members and as merchandise that can be sold to raise much needed funds for charitable causes. They have also been used by groups to be handed out to teams in team events.

The ways in which your event or group could benefit from this innovative use of an ancient and much loved card game are too many to mention. And of course, the real fun comes when you are deciding upon your own design. You can choose a logo or branded design with your group or business colors or you could have art work done. Many people choose images as their design. For cards printed for private individuals, often the photo chosen is a family image or group photo.

They make the perfect memorable gift, memento, and keep-sake. You can use your imagination how to use your customer cards and on how to design and decorate them. There is no doubt they will be well received and used too. …

Are Gift Cards the Best Gift?

January's retail sales strength is reflected in people redeeming their Christmas gift cards. The average adult received 3.2 gift cards this holiday season, up from 2.5 gift cards last year. Gift cards are more popular and this also moves spending into January. Consumers are also interested in receiving gift cards at other times that just at Christmas.

A survey by Deloitte & Touche USA found:

  • 80% of adults received at least one gift card to an apparel or food store
  • 33% received at least one gift card to a restaurant
  • 14% received one gift card to a mall or shopping center
  • 10% received a gift card that could be used at a variety of stores (eg, an American Express gift card)
  • 5% received at least one for a personal service such as a manicure or massage
  • 5% received at least one gift card for an Internet site (eg, ebay, Amazon)

Price ranges for gift cards ranged from $ 78 for an American Express card, while the lowest was for a $ 32 restaurant card. Bank gift cards are more likely to be used in January. Nearly 74% of these gift cards have been redeemed or partially redeemed by the end of January.

People were more likely to buy full price retail items with their gift cards. Many analysts believe the "gift" aspect allows consumers to treat themselves to new full-priced merchandise.

Retailers also benefit when consumers redeem a gift card, nearly 62% spend more than the face value of the card. This is an opportunity for retailers to increase sales, as sales cannot be reported until the gift card is redeemed.

Consumers also expressed an interest in receiving gift cards for other holidays. For example, a gift card for an "experience" is widely received as a result of people being time-pressed. Getting a gift card for a trip to a restaurant or massage or even a weekend getaway seems to be a trend people are enjoying.

Teens enjoy gift cards because they are more eager to shop with their friends and are more apt to redeem their cards quicker than adults. The survey showed teens redeemed 76% of their gift cards vs. 61% of adults.

Gift cards keep on giving, after the holidays, especially for retailers. Gift cards are here to stay. Consumers enjoy using them and retailers enjoy getting them. Gift cards are an appropriate gift for all occasions.

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What Are the Different Types of Symbols and Colors Used in Muslim Wedding Cards?

In Muslim culture, marriage invitations are known as Nikah or Walima cards and denote the spiritual significance and rituals observed in this community. These cards are sent out to announce the wedding ceremony and form an integral part of the whole event. Muslim wedding cards are famous worldwide for their unique symbols, designs and colors. The presence of these features makes Nikah cards appropriate for the wedding ceremony, and without them the event is incomplete.

Below are the various types of symbols and colors used in Muslim wedding cards.

Symbols: –

Star and Crescent-

The star and crescent are an internationally recognized symbol of Islam and represents faith in God. This religious symbol includes an image of a crescent moon and a star. In Muslim culture, star and moon are seen as the valid symbol of believing in almighty God. It features prominently on the marriage invitation cards as a holy symbol and denotes the faith in God to make the ceremony successful.

Bismillah-

The Bismillah symbol contains the true essence of the holy Quran and denotes the name of Allah. The symbol reflects the blessing, adoration and support from god. This beautiful symbol is a magnificent reminder of our relationship with the creator and all its creation. Due to this characteristic, Bismillah symbol is printed on Muslim wedding cards to seek the blessing and support of god.

Allah-

The Allah symbol means God, and it is used by Muslims for referring to God in Islam. It represents faith, blessing and purity. This symbol is printed on the Muslim wedding cards to make the ceremony holy and divine. It is also believed that Allah symbol on the card will guide the marriage to the best of understanding, happiness and love between the bride and groom.

Shahadah-

Shahadah symbol means testimony of faith in god. It is the first pillar of the 5 pillars of Islam and means there is one God (Allah). The symbol of the Shahadah is printed on the Muslim wedding cards to bring oneness among the guests attending the marriage. It symbolizes the sanctity, harmony and union with God.

Colors: –

Green-

In Muslim culture, green color is considered as a traditional color of Islam, and it has a special mention in their holy book (Quran). It was first used by the prophet and represents cleanliness, purity and nature. To Muslims, green color denotes the freshness of Islam and brings unity among them. The Green colored marriage invitation is a universal symbol of peace, love and harmony. It highlights the rites of a wedding and enhances the grace of the ceremony. The green color depicts the true happiness of Muslim wedding.

White-

In Muslim culture, white color is regarded as ideal and perfect. It represents truth, kindness and positivity. It portrays the sense of being complete and happy. Due to this characteristic, white colored marriage invitations are printed to bring peace, purity and simplicity to the wedding ceremony.

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Are Gift Cards Traceable?

Gift cards are given to people as a gift or used as a promotional material by a company to promote its brand by offering discounts to people that use the card. It is loaded with money, which is the face value of what it says. It can be described as a prepaid card and most are issued by one of the major credit card companies.

These instruments when issued by a credit card company normally would contain the logo of the company on top of it and this serves as a mark of authenticity for the card. It also suggests that the card can be used anywhere that particular brand as described by the logo is accepted. For example if it's issued by visa and has a visa logo, then it can use anywhere visa is accepted.

Individuals that receive cards in place of a present, and do not care for the brand that offered the instrument could decide to spend it elsewhere. For example getting a sears card, but you do your shopping at JC Penny, and therefore will use it there. Some people feel guilty that the presenter of the present might be offended if the card is used elsewhere and most times will ignore the card until it expires wasting whatever amount of money that was loaded on it.

Are gift cards traceable? Short answer, yes, any prepaid money instrument is traceable because it has numbers and identifying features that makes it possible for you to use it for a transaction. However, that does not mean the purchaser can determine who is using it. If the gift was purchased with cash, the issuing company will have the information that card number, for example 54 was used to make purchases at this particular store, but it would not know who used it.

Furthermore, if the card was purchased with a credit card, the card company will have the info that the gift card purchased with Mr. Joe's credit card was used to buy stuff at some store.

In a nutshell, gift cards are traceable by the issuing company as to the fact that it was used; However, determining who used it exactly would require a lot of tracing and research that is not worth the trouble for an individual.

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Topgolf Gift Cards

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Chipotle — Gift Cards

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Gift Playing cards For Sale

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DICK’S Sporting Items® Gift Playing cards

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