Discover gift cards use a three digit number it calls the Customer Identification Number, which is located on the back of the card. Have unused gift cards? In the few instances in which a Visa gift card has a PIN, it is either the last four digits of the card number or a personal PIN added by the cardholder. Give the recipient your original receipt so they can verify the card's purchase in case it is lost or stolen.
Tips to avoid becoming the victim of a scam
Because gift cards, unlike other baubles shoppers will pick up for their loved ones, are counted towards store sales only when they are used, not when they are bought. How to Avoid Gift Card Scams: Purchase gift cards only from reputable sources, preferably directly from the store. Refuse to purchase cards where either is evident. If acquiring cards on the Internet, buy them from the online versions of the stores they are to be used in.
Never buy them from auction sites, even if it looks like you could score a real bargain by doing so. Remind yourself that cards sold through auction sites have often turned out to be stolen or counterfeit. Keep your receipt as proof of purchase for as long as you have value stored on the card.
Should you ever lose that gift card, use that receipt to ask the retailer to issue you a replacement. Not all retailers will do this. If the card does have a PIN, you may be able to change it to make it uniquely yours.
This is especially beneficial if you plan to use the card over an expanded time period. American Express gift cards do not come with numbers identified as a PIN. The CSC is on the card front directly above the 15 digit card number. Discover gift cards use a three digit number it calls the Customer Identification Number, which is located on the back of the card.
Gift cards issued by department stores typically have a PIN. It is usually found on the back of the card underneath an area that must be scratched off to view. This scratch-off area helps prevent the number from being stolen before the card is authorized. Some Walmart gift cards don't come with PINs. If the expiration date listed on the card is earlier than these dates, the money can be transferred to a replacement card at no cost.
Inactivity fees can be charged only after a card hasn't been used for at least one year, and you can be charged only once per month. But you may be charged a fee to buy the card or to replace a lost or stolen card. The expiration date of a card must be clearly disclosed on the card, and fees must be clearly disclosed on the card or its packaging. Tips for buying gift cards When you shop for a gift card, the FTC recommends that you: Buy from sources you know and trust.
Avoid buying gift cards from online auction sites, because the cards may be counterfeit or may have been obtained fraudulently. Read the fine print before you buy. Is there a fee to buy the card? If you buy a card by phone or online, are there shipping and handling fees?
If you don't like the terms and conditions, buy elsewhere. See whether any fees will be deducted from the card after you purchase it. Inspect the card before you buy it. Verify that none of the protective stickers have been removed. Make sure that the codes on the back of the card haven't been scratched off to reveal a PIN number. Report any damaged cards to the store selling the cards. Give the recipient your original receipt so they can verify the card's purchase in case it is lost or stolen.
Consider the financial condition of the retailer or restaurant.
The unique number of the gift card will not be listed with the line item on the receipt indicating the cost of the card. Instead, the number appears at the bottom of the receipt, after the total, payment rendered, etc. The card itself has two different numbers on it, one above the magnetic strip and one below. Nov 20, · The National Retail Federation’s annual Gift Card Survey projects gift card sales will total $ billion for the holiday season, a $6 billion increase over ’s $ billion. Furthermore, says the NRF, the average consumer will spend more on gift cards than they did in . Credit Card Numbers Generator. In addition to Quora User's answer, I have to add that using other people's credit card info, albeit an empty an unused credit card, can result in serious legal consequences.