How to Verify a Gift Card Before Purchase

1. Check the Packaging: Inspect for any signs of tampering, tears, or resealing
2. Examine the Card: Look for clear printing, proper logos, and professional finish
3. Verify the PIN Area: Scratch-off PIN area should be completely intact
4. Purchase from Authorized Sellers: Buy only from official retailers or brand websites
5. Get a Receipt: Always request and keep the activation receipt

Understanding Gift Card Types

Closed-Loop Gift Cards:

• Specific to one retailer or brand
• Examples: Amazon, Target, Starbucks cards
• Usually have no fees
• Cannot be used elsewhere

Open-Loop Gift Cards:

• Network-branded cards (Visa, Mastercard, Amex)
• Accepted wherever the network is accepted
• May have activation and maintenance fees
• More flexible but with more restrictions

Safe Gift Card Purchasing Practices

• Buy Direct: Purchase from official retailer websites or stores
• Avoid Third Parties: Be cautious of online marketplaces offering discounts
• Inspect Before Buying: Check for tampering signs
• Keep Receipts: Save all purchase documentation
• Activate Immediately: Verify activation as soon as possible
• Register Online: Many retailers allow you to register cards for protection

Recognizing Gift Card Scams

Red Flags:

• Someone demanding payment via gift cards
• Government agencies requesting gift card payments (they never do this)
• Too-good-to-be-true discounts on gift cards
• Unsolicited requests for gift card numbers or PINs
• Pressure to act immediately without time to think
• Requests from "family members" you can't verify

Remember: Legitimate businesses, government agencies, and utilities never demand payment via gift cards.

Gift Card Won't Activate

If your gift card doesn't activate:

1. Verify you have the purchase receipt
2. Check that the card number matches your receipt
3. Contact the retailer's customer service immediately
4. Provide receipt, card number (not PIN), and purchase details
5. Document all communications

Lost or Stolen Gift Card

Steps to take:

1. Contact the issuer immediately with card number (if known)
2. Provide purchase receipt if available
3. Request card replacement or balance transfer
4. File a police report if the card was stolen
5. Monitor for unauthorized use

Note: Replacement policies vary by issuer. Some may charge fees or not replace at all.