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Frequently Asked Questions about the Gift Card


The Gift Card is valid only for U.S. transactions.


Gift Card Frequently Asked Questions: [back to top]

What are prepaid gift cards?
What can the prepaid gift cards be used for?
Can I use a prepaid gift card at more than one merchant?
Can I use the prepaid gift card for online purchases?
What happens if I spend all the funds on my prepaid gift card?
What happens if I lose my prepaid gift card?
Who do I contact with questions about my prepaid gift card?
How do I use my prepaid gift card at restaurants?
Can I use my prepaid gift card to "pay at the pump" at gas stations?
What if my purchase exceeds the value on my prepaid gift card?
What should I do if my prepaid gift card is declined?
How do I activate my prepaid gift card?
Do I have a PIN (personal identification number)?
Can I purchase a prepaid gift card online?
How can I check my available balance?
Can I add more money to my card?
What happens if I have a remaining balance when my prepaid gift card expires?
How long can I use my card?


What are prepaid gift cards? [back to top]

Prepaid gift cards are debit cards that can be used worldwide anywhere Visa or MasterCard® prepaid (debit) cards are accepted. The cards can be purchased in any amount between $10 and $1,000 but cannot be reloaded. The Card is treated as cash, so it is important for the Cardholder to register the Card upon receipt. This allows it to be replaced should it become lost or stolen.

What can the prepaid gift cards be used for? [back to top]

Prepaid gift cards can be purchased for gifts, and can also be used for corporate incentives, travel spending and budgeting. The cards cannot be used at ATMs, or like credit cards for purchases on credit.

Can I use a prepaid gift card at more than one merchant? [back to top]

Absolutely. As long as there are funds remaining on your prepaid gift card, your card may be used at any merchant that accepts Visa or MasterCard® prepaid (debit) cards.

Can I use the prepaid gift card for online purchases? [back to top]

Your Card must be registered with the recipient's personal information via the My Account site. This will enable the ability for a merchant to accept it for online purchases. Please note, however, online acceptance will vary by the merchant.

What happens if I spend all the funds on my prepaid gift card? [back to top]

Your prepaid gift card will no longer be accepted as a valid form of payment. At this time, you can discard the card or keep it as a special reminder of the person who gave it to you.

What happens if I lose my prepaid gift card? [back to top]

Call Customer Service at 866-586-4438. If a gift card needs to be replaced, Customer Service will close the card account and promptly issue a new gift card with the remaining balance of the lost card. There is an $8.00 fee for this service. (Important: Your Card must be registered in order to receive a replacement. If you are unable to provide the Card number and your personal information is not registered to the account, a replacement cannot be issued.)

Who do I contact with questions about my prepaid gift card? [back to top]

For prepaid card information, call Customer Service toll-free at 866-586-4438 or visit the "Contact Us" section of this Web site.

How do I use my prepaid gift card at restaurants? [back to top]

We encourage you to use your prepaid gift cards at restaurants that accept Visa or MasterCard® prepaid (debit) cards. But you should be aware of your card balance and should understand that, for authorization purposes only, we will automatically increase the amount of your bill by 20% to cover a possible gratuity. In addition, some restaurants have pre-programmed their own card terminals to authorize a gratuity (usually 15-20% of the food bill). Both additions are for authorization purposes and you will only be charged for the gratuity you designate on the receipt. But, the result of adding additional amounts may mean that the restaurant requests an amount larger than your balance and you may be declined.

Can I use my prepaid gift card to "pay at the pump" at gas stations? [back to top]

In order to prevent unintended authorization denials, it is recommended not to use your gift card at a card-activated gas pump. There are required pre-authorization amounts for "pay at the pump", which may be up to $100.00. The added amount is for authorization only, and you are only charged for the amount of gas purchased. It can be used for the exact amount of gas necessary by presenting the card to the clerk in the service station.

What if my purchase exceeds the value on my prepaid gift card? [back to top]

To make a purchase that is more than the available balance on your gift card, you may use another payment method to share the expense of your purchase. This is called a split transaction. Simply use your prepaid gift card to pay for a portion of the purchase amount and a second payment method - check, cash, or credit card - for the remainder. Please note that split transactions are subject to individual merchant policies. When making your purchase, remember to tell the merchant the dollar value on your prepaid card. (You can easily verify this via the Web site, www.mygiftcardmanager.com, or Customer Service at 866-586-4438.) The merchant will not be able to provide you this information. If you attempt to make a transaction for more than the balance on your prepaid gift card, the transaction will be declined.

What should I do if my prepaid gift card is declined? [back to top]

If you experience any problems using your gift card, please contact Customer Service 24 hours a day, 7 days a week by calling toll free, 866-586-4438, or clicking "Contact Us" on the Web site.

How do I activate my prepaid gift card? [back to top]

Call toll free, 866-586-4438, to activate your gift card.

Do I have PIN (personal identification number)?? [back to top]

Yes, there is a PIN assigned to your card that can be used at the point of sale when you choose to swipe your card as ‘DEBIT’ rather than ‘CREDIT’. You can obtain your PIN by calling the automated system, 866-586-4438.

Can I purchase a prepaid gift card online? [back to top]

Unfortunately, prepaid gift cards are only available to purchase at participating branches.

How can I check my available balance? [back to top]

Your available balance can be verified by clicking on "Home" on www.mygiftcardmanager.com or by calling Customer Service toll free at 866-586-4438. Be sure to have your 16-digit card number ready to access this information.

Can I add more money to my card? [back to top]

Your prepaid gift card is not reloadable. Please visit one of our participating branches to purchase another gift card.

What happens if I have a remaining balance when my prepaid gift card expires? [back to top]

Cards are good until the expiration date on the card has passed; the expiration date is no less than 5 years from date of purchase. If you do have an expired card, you may contact Customer Service to receive a new card in order to use the remaining funds. There is no fee to replace an expired card; funds do not expire.

How long can I use my card? [back to top]

Your prepaid gift card can be used through the expiration date embossed on the card, which will always be at least 5 years from date of purchase. Should the card remain inactive for 12 consecutive months, an inactivity fee of $4.95 will be assessed each month there is no transactional activity. If you don't use the full amount on the card before the card expires, you may call toll free, 866-586-4438, to have a new card issued with the remaining balance.




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