Craigslist Gift Cards- Buyer Beware!

Craigslist is one of the most popular websites on the net today. A person can find practically anything on craigslist from jobs, to housing, to personals, and anything thing you can think of is for sale, including gift cards.

Craigslist is a centralized network of online communities featuring online classified advertisements. Anybody can post any type of classified add on craigslist. There is very little if any verification done on the part of craigslist to determine if they add is legitimate or not. This makes Craigslist a playground for online scammers. One of the popular ways people take advantage of others using craigslist is by selling fraudulent gift cards.

A fraudulent gift card is one that was purchased with a stolen credit card. One the outside everything appears to be fine. The balance can remain on the gift card for several weeks. However, as soon as the credit card owner realizes their card has been compromised they call their credit card company, and the credit card company issues a chargeback (refund on the purchase). The gift card will then be immediately deactivated.

This means that even if you meet the seller at the merchants store to verify the balance, it could be zeroed out within hours. And you just paid the guy in cash. Ouch.

When purchasing discounted gift cards from classifies sites, the utmost precautions must be taken. If possible, get a receipt from the seller.  To buy discounted gift cards with peace of mind, use companies that are dedicated to customer satisfaction and guarantee every transaction.

Posted in Gift Card Deals, Uncategorized

The Power of Discounted Gift Cards

Bargain shoppers, penny pinchers and deal hunters already know. The best way to get more bang for your buck, no matter what you’re buying is by using discounted gift cards. The idea is simple. Go shopping, pick out what you want, but before you actually buy; head over to a discounted gift card retailer and purchase a gift card to your retailer of choice.

Having the most expensive outfit on is out of fashion these days. Instead, it’s more fashionable to have the best looking outfit that was purchased at a bargain price. Discounted gift card retailers are growing in popularity because of this change. These companies offer people a way to save money without sales, coupons or any other incentive from the retailer itself. Why wouldn’t you use them?

Let’s say you need a new pair of shoes and plan on going to Footlocker to get them. Unfortunately, Footlocker isn’t having any sales or discounts on the pair you want. Not to worry, you can still save 10-30% by purchasing a discounted gift card before you shop.

The power of discounted gift cards grows exponentially when you couple them with sales and merchant coupons.

$100.00 gift card purchased for $85.00 + a 10% merchant coupon + a 20% merchant sale = 45% savings off retail!!!!

In this example, you would be getting $100.00 for the price of $55.00. Using discounted gift cards in this manner almost becomes like purchasing discounted money. Who wouldn’t take $100.00 for $55.00? Smart shoppers are already aware of the effectiveness; if you’re not already using discounted gift cards this way, it’s time to get on board.

Posted in Gift Card Deals, Uncategorized Tagged with:

Gift Card Exchange on Craigslist

Craiglist is one of the most valuable resources on the internet. The free classifieds webpage allows users to find and sell almost anything from cars and boats to vacation properties. It is also very common today for people to exchange gift cards through craigslist. Because of the economy people are willing to trade their gift cards for items of much lesser value. Here is an example of someone trying to sell a Barney’s Gift Card that is valued at $1,000 for $850. This seems like a very good deal for 15% off at Barney’s but there are a few things that you should watch out for when doing gift card exchange on craigslist.

Craigslist Gift Card Exchange Tips

1.) Gift Cards purchased illegally. Sometimes people will use a stolen credit card to buy a lot of gift cards. They will then try to sell the gift cards for cash quickly. Always ask questions before you buy or exchange anything for any gift cards found on craigslist. The gift card may have the balance originally, but when the user reports the credit card as stolen the balance is removed.

2.) Merchandise credit. Depending on the merchant, the rules for using merchandise credit can vary dramatically and sometimes it can only be used by the person who originally returned the items. You do not want to purchase a gift card thinking that you can use it and have it be limited to only the person who sold it to you.

3.) Gift card copies. A more sophisticated method of gift card fraud involves actually making a copy of the card including the magnetic strip. Everything for the gift card will work fine, but whoever uses their copy of it first will be the only one who is actually able to use it. A couple of signs that a gift card has been copied or duplicated is if the plastic is thinner, wording is off, or colors may be different. Be wary for gift card copies.

Posted in Gift Card Questions & Answers, Make Money with Gift Cards Tagged with: , ,

US Bank Visa Buxx Teen Prepaid Card

US Bank Visa Buxx Prepaid Teen Card

The U.S. Bank Visa Buxx Prepaid Teen Card is designed for teens to help them spend responsibly while giving parents control and access to the account to allow them to both track spending by their teens and reload the card as needed. To learn more about the Visa Buxx Prepaid Card, click here.

How The U.S. Bank Visa Buxx Card Works:

FAQs about the U.S. Bank Visa Buxx Prepaid Card

1. Where can I get the U.S. Bank Visa Buxx Card?
You can buy the U.S. Bank Visa Buxx card online here or at any U.S. Bank branch.

2. How do I check the available balance on my U.S. Bank Visa Buxx Card?
To check your available balance, call 888-310-2899 or go to usbank.com/visabuxx and go to Account Summary. To check balances on gift cards you have, click here.

3. Can I use the Visa Buxx Card at an ATM?
Yes, you can use the U.S. Bank Visa Buxx Card to withdraw cash from Visa ATMs worldwide. You can withdraw a maximum of $200 each transaction. You are allowed to make three withdrawals within a 24-hour period.

4. Is there an Age Limit on Who Can Use the Visa Buxx Cards?
Yes, You must be at least 13 years old to get a Visa Buxx Card. Also, the Card may only be used by the teen in whose name the Card is issued.

5. Can the Card ever have a negative balance or be overdrawn?
Any Visa authorization request that is greater than the cardholder’s available balance will be declined. However, occasionally a Visa merchant puts an item through without prior authorization, which could result in a negative balance. If you account is overdrawn, you will be notified.

6. How do I load money to my teen’s Visa Buxx Card?
You can load money onto the card using a debit card, or credit card. This can be done online, by phone or at any U.S. Bank branch. You can also set up direct deposit from your teen’s employer. Funds transfered via a U.S. Bank checking or savings account may take up to seven business days to be available on the Card.

7. What are the fees associated with the Visa Buxx Card?
For a full list of fees, click here

For more on teen gift cards, including other available card options, click here.

Posted in Visa Prepaid & Gift Cards Tagged with: , , , ,

Using Gift Cards As Rewards

Many businesses have recently been reporting that majority of their employees say they would rather receive gift cards as a reward for their efforts than any other incentive, even cash! Arguments might be plenty that gift cards aren’t personal enough, however, one can’t argue about the fact that they are more appealing as a reward than cash.

Gift Cards are more cherished and they have a longer ‘holding’ capacity, where they can be kept as a souvenir, whereas cash is so easily disposable.

Gift Cards also afford business owners the opportunity to reward their employees while also conveying some sort of familiarity  with their employees. When employees get the idea that an employer has taken the time to learn their likes and dislikes, the type of food they eat, type of store they patronize etc, the employees feel a lot more appreciated and inspired to work that much harder.

In recent studies, the Incentive Research Foundation found that incentives increase work performance by an average of 22%. Gift cards can serve as the right incentive in that not only can it be a trophy, it is primarily money to an ‘appreciated’ merchant. It is also important to note that according to the research, majority of the participants said travel incentives and merchant based incentives were on top of their wish list. Wondering where to find them? GiftCardRescue.com affords business owners the chance to buy discounted gift cards in bulk as rewards.

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Visa Buxx Prepaid Card – How it Works

US Bank Visa Buxx

The Visa Buxx card is a prepaid card specifically designed for teens. It allows parents to load money on the card online or over the phone. The purpose of the card is to encourage financial responsibility among teens while giving their parents control over how much is spent.

Here are some of the benefits of the Visa Buxx Prepaid Card:

  • Promotes financial responsibility among teenagers by limiting their spending to the amount loaded on the card
  • It is flexible and convenient, allowing parents to re-load the card any time via phone or online
  • It is accepted everywhere Visa debit cards are welcome
  • It gives parents greater control by allowing them to track where their teens are spending their money.
  • It is safer than using cash because it is replaceable when lost or stolen.

How it Works:

Here is how the Visa Buxx Prepaid Card Works:

  1. You can buy a Visa Buxx Prepaid Card online at participating financial institutions, including Wachovia and USBank. Click here to see complete list.
  2. Parent then funds the account either via phone or online using a credit card, debit card, or checking account you have with any financial institution (does not have to be funded with account from participating bank)
  3. You and your teen both have access to the account online to check balances and track spending. Parent can reload card online or via phone using number provided at the back of the card.
Posted in Visa Prepaid & Gift Cards, Where to Buy Gift Cards Tagged with: , , ,

Learn To Stretch Your Budget With Gift Cards

People who are working to avoid or get out of credit card debt know that plastic isn’t a big deal, and cash is king. If you spend only the money in your wallet, you cannot fall into debt trouble. For those who believe that living without a card is unrealistic, using a debit card can provide some protection against overspending – as long as you have not opted into overdraft coverage.

But some people are choosing to use a third option – gift cards. Gift cards gained some additional respect in March, when the Federal Reserve passed new laws to protect consumer spending on them. The new rules state that consumers cannot be charged fees if they have used a gift card within 12 months. Also, gift cards issued after Aug. 22, 2010, cannot expire in less than five years.

With these new protections, gift cards can be a good option for those looking to stretch their budgets.

1.) Redeem rewards points for gifts

If you find yourself in some debt, you might have some rewards ‘points’. Converting these points into gift cards to give someone or to spend on yourself can keep you from reaching into your bank account. Log into your your credit card rewards website to find out if you can convert rewards into cash or gift cards. Some credit card companies will double the value of your rewards at specific retailers.

2.) Cash in coins and redeem in gift cards.

Some coin-redemption machines, like those at grocery stores or banks, let you exchange your coins for gift cards. Some even offer a bonus for choosing a gift card instead of a cash voucher.

3.) Stick to your budget.

Gift Cards can be a way to dedicate spending to specific categories, similar to the “envelope” method of budgeting. For example, buy yourself a gift card in the amount on your weekly grocery budget. The money will be gone from your bank account, eliminating the temptation to spend it on something else and possibly rely on credit cards at the checkout. You will stick to your budget and avoid adding debt. Most stores allow shoppers to “reload” gift cards anyway.

4.) Reach a goal.

Some people purchase gift cards for themselves to keep their spending focus on track. For instance, if you want to lose weight, you might purchase gift cards to restaurants where you can get healthy lunches, instead of hitting the fast food place. Again, because you have already allo0cated your spending, you are most likely to stick with your plans.

5.) Save for a cause.

If you know you want to complete a home improvement project in two months, you can estimate how much you would need to save every week. But if it is difficult for you to stick to your goal, instead buy yourself a gift card to the home improvement store in the amount of the weekly savings. Again, you will avoid spending your money elsewhere – and at the end of the allocated time, will have enough funds on gift cards to complete your project without debt.

6.) Prep for vacation.

Whether your vacation is two weeks at Disney world or a weekend road trip to visit relatives, gift cards can help. Consider asking for gift cards to chain restaurants or retailers for holiday or birthday gifts. Then save the cards to offset some of the cost of your vacation. You can dine out or purchase beach toys and sunscreen at your destination – at no cost to you.

7.) Give back

Check if you know a school or organization/charity that participates in a gift card program. Some stores partner with nonprofit organizations to give back a portion of gift card spending. If your store returns 5 percent of gift-card purchases to your school or church, you can buy a gift card, spend what you usually do, and return benefits to the organization, while staying under budget.

As with cash, or even credit cards, you will need to take care not to lose gift cards. But used carefully, gift cards are another way to stick to your spending goals and stay out of debt.

Posted in Uncategorized Tagged with: , ,

New Style Auction Sites Selling Discounted Gift Cards

Recently, many new style auction sites have been popping up all over the internet. These Auction sites, like www.bidzillion.com are very different from traditional sites like eBay. Most people are familiar with how eBay works, even if you’ve never used it before. You place you bid on an item you want to purchase and whoever out bids the other guy, is the winner.

Sites like Bidzillion work in a very different way. Let me start by saying that these sites claim you can buy brand new items at up to 99% off retail price. And after doing some research, it does appear that this is possible. However, in order to place a bid, you must first buy a “package” of bids. These can range anywhere from $15.00 for 20 bids, to $500.00 for 1,000 bids.

So, before you can even attempt to bid on an item, your spending money. The way the auction works is very different from traditional auction sites as well. All the items, which is typically about 30-50 items available to bid on, have a countdown timer displayed which typically lasts about 6 to 9 hours. Usually, there is no action on the items until minutes before the auction is ending.

So, as an item I was interested in, a $100 American Express Gift Card came down to about 5 minutes left. I placed a bid. The way the bidding works is that every bid is 1 penny more than the last. So at the time of my bid there was .15 cents already placed. I placed my bid, took it up to 16 cents and anxiously awaited my gift card.

However, shortly after, I was out bided by another cent! I bid again, and then so did somebody else. What eventually happened is that as the timer goes down, someone would place a last second bid, and then the timer restarts! It restarts at a 10 second count down, so every 10 seconds someone would throw a bid on it, over and over again restarting the timer!

This went on for hours, in fact about 2 hours until the auction finally ended. As a result the gift card cost got up to around 8.oo, but I had placed my last bid hours ago.

The only way this style auction would be useful, is if you had hours to sit around and spend watching the bids, making sure you are the last one bidding. After the money it costs to actually buy the bids and the time it takes to win the auction, I can conclude that this was a big waste of time and money!

It’s almost impossible to get the item you’re actually interested and buying bids is expensive. If you’re looking to buy discounted gift cards, or discounted anything; in my opinion its best to stick with websites who offer set discounts on these items in a straight forward, easy manner.

Posted in Uncategorized, Where to Buy Gift Cards Tagged with: , , ,

Pay Cash for Online Gift Cards using eBillme

Ebillme is a payment service that uses your traditional bank’s online bill pay service to checkout at a variety of different merchants. They sell electronic gift cards, but their company is more of an alternative payment service that uses your bank account rather then credit or debit card. This allows you to pay for items that you want using cash and avoid the high fees associated with credit cards. With the recession, it is very common for people to avoid credit cards by using services like Ebillme or prepaid cards.

Using Ebillme

Because you only pay using cash Ebillme is definitely safer than using a traditional credit card. This is because your personal information like social security number or address cannot be compromised and this decreases the chance of fraud or identity theft. Chris Brogan does a good job in his blog post explaining how the process works and can use some improvements

EbillMe Gift Cards

Ebillme allows you to email electronic gift cards or online gift cards to anyone with an email address. Their service differs from many other egiftcard vendors like iCardSystems because eBillme is a payment service. They are not just a gift card vendor and you cannot purchase one of their gift cards using traditional methods (credit card or paypal). You can use their gift cards as a prepaid card to shop and pay at a huge number of merchants that can be found here.

There have been a number of problems using their system as found on the complaints board website. A few users are quoted as saying that they experienced heavy delays using the service and those funds were not transferred in an appropriate amount of time. One user even mentions how the pending rebates are not as advertised and that you can only use them in $10 increments at a time.

I’ve earned $25 in rebates but can only use $20. The remaining $5 will go unclaimed because (I’m not kidding) I’m never using this service again.

For some reason this does not seem fair and from what I can tell these terms are not clearly covered. It is difficult to navigate through the site and find all of the information you are looking for. I think that eBillme is a great concept and secure for online users, but from what I’ve read their service still has a few flaws. It will be interesting to see if they are able to sell online gift cards to users who are not looking for a payment alternative, but just a gift card.

Posted in Gift Card Fraud, Where to Buy Gift Cards Tagged with: , ,

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This blog covers a wide range of topics regarding gift cards , including gift card codes , how to buy gift cards online , information on gift card balance, and where to buy itunes, Walmart, Target, Starbucks, Visa, American Express and many other cards.