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Gift cards have topped the list of most requested presents for five years running, and though many recipients found them under the Christmas tree this year, some inevitably end up disappointed by the tiny details that can turn a substantial gift into a disappointing one. Despite new federal regulations for gift cards resulting from the Credit CARD Act, retailers are finding their way around the rules. Do you have family or friends with a post-Christmas birthday or perhaps an upcoming wedding or baby shower? To avoid leaving partial balances unredeemed, keep notes about how much you’ve used and store balance receipts along with the card. Several companies such as Target, REI and Walmart began using bioplastic gift cards made with a corn-based material that will biodegrade in a regular compost bin.
A recent article in Canadian Business points out bank-issued gift cards from MasterCard and VISA often include additional purchase fees on top of the balance of the card. Cash is closely guarded and meticulously monitored while gift cards get tossed into the sock drawer.
This indicates shoppers don’t spend as carefully as they would when using cash or a credit card.

Many organizations such as Make-A-Wish Foundation accept donations of gift cards that are used toward granting wishes.
Though some gift cards aren’t biodegradable, you can mail them to Earthworks System, a PVC recycling company that began accepting gift cards for recycling last January.
As a nationally recognized media source, Andrea has been featured among top news outlets such as Good Morning America, NBC’s Today, MSNBC, New York Times, Kiplinger Personal Finance, CNNMoney and many more. Other cards boasting a bonus with your purchase are actually treated more like coupons, with short expiration dates or product restrictions.
Gift Card Exchange Day—a one day event created to raise consumer awareness about exchanging gift cards for cash—took place on Dec. Just make sure such holiday gift cards don’t feature a season-specific design when gifting for another celebration. If the card is lost or stolen you’re able to get the balance credited back on a new card. If you’d tuck a $20 bill into your wallet as soon as you got it, why wouldn’t you do the same with a gift card? In some states you can even request a cash refund when the balance falls under a certain amount.

19 through the end of January, they’ll sell your cards and deposit the value into a FDIC-insured savings account or one of their mutual funds. To ensure they’re around whenever you need them, put them in a secure place such as your purse, wallet or car. Also, use gift cards for stores like Walmart or Target on household items and boost your budget for a few months. Instead of filling your cart up with candy bars to spend the last of your store credit, get a college fund going for the kids.
Just enter the store name and gift card amount to receive instant bids from resellers wanting to purchase your card. That way you have your gift card ready for unexpected purchases and you don’t have to use cash or credit.

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