Educational Guide: How to Buy Gift Cards Safely

Disclaimer: This is educational information only. We do not sell gift cards. This guide explains safe purchasing practices.

1. Purchase from Official Sources: Buy directly from retailers, their official websites, or authorized partners
2. Inspect Before Buying: Check for signs of tampering, damaged packaging, or exposed PINs
3. Keep Your Receipt: Always save your receipt as proof of purchase
4. Activate Properly: Ensure the card is activated at checkout
5. Register If Possible: Some cards allow registration for added protection

Understanding Gift Card Fees

Under federal law (Credit CARD Act of 2009):

• Gift cards cannot expire for at least 5 years
• Dormancy fees can only be charged after 12 months of inactivity
• Only one fee per month is allowed
• Fees must be clearly disclosed on the card

What to Do if Your Gift Card is Lost or Stolen

1. Contact the card issuer immediately
2. Provide your receipt and card information
3. Ask about their replacement policy
4. File a police report if the value is significant
5. Monitor for unauthorized use

Note: Replacement policies vary by retailer. Some may require the original receipt and card number.

Recognizing Gift Card Scams

Never give gift card information to:

• Someone claiming to be from the IRS or government
• Callers saying you owe money
• People claiming you won a prize
• Fake tech support representatives
• Online romance interests you haven't met
• Anyone threatening arrest or legal action

Remember: Legitimate organizations never ask for payment via gift cards.