Visa Gift Card: Prepaid Credit Card

2007-03-08 10:33:40

( Financial )



GIFT OF FLEXIBILITY

A visa gift card makes for a very nice gift because of the freedom and flexibility that it affords its user. It has all the features and benefits of a visa credit card, including immediate replacement if the visa gift card is stolen or lost.

If you have been given a visa gift card, you have a prepaid credit card that you can use to spend however which way you want, on anything you want. Just like any old credit card, the visa gift card will be swiped on credit card terminals to process the purchase.

You can also choose to use the visa gift card on one go, splurging it on the one thing that you have always wanted, or spread its use it by buying cheap items until the prepaid value has been spent. How long your visa gift card lasts is entirely up to you.

BUYING MORE

While the items you can buy are limited by the prepaid value of the visa gift card, this does not mean that you cannot use the visa gift card to buy something more expensive. You can do so as long as you have the means to pay the balance. You may do this by using a check, credit card, or cash.

When making a purchase that is higher than the value of the prepaid visa gift card, you have to make sure that you inform the clerk ahead of time so the proper pre-arrangements can be made. If you fail to do this, the transaction will be denied because the prepaid visa gift card has insufficient balance to complete the purchase.

While a visa gift card is very flexible and is accepted in almost all establishments that accepts visa debit cards, there are some guidelines that you must keep in mind to be able to use the gift properly and without any hassles.


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