How to Use Gift Cards

Getting Started with Gift Cards

Gift cards are simple to use once you understand the basics. This guide will walk you through everything you need to know about using gift cards, from activation to redemption.

Step 1: Check If Your Card Is Activated

Most gift cards are activated at the time of purchase, but it's always good to verify. You can usually confirm activation by:

• Checking the receipt from your purchase
• Calling the customer service number on the back of the card
• Visiting the issuer's website and entering your card number
• Attempting to check your balance

If your card is not activated, contact the retailer where it was purchased.

Step 2: Know Your Card Information

Before using your gift card, locate and note the following information:

• Card Number: A series of digits (usually 16-19 numbers) on the front or back of the card
• PIN or Security Code: Often found under a scratch-off panel or on the back of the card
• Expiration Date: If applicable, this will be printed on the card
• Customer Service Number: For assistance and balance inquiries

Step 3: Check Your Balance

Before making a purchase, it's helpful to know your available balance. You can check your balance through:

• Online: Visit the issuer's website and enter your card number and PIN
• Phone: Call the customer service number and follow the automated prompts
• In-Store: Ask a cashier to check your balance at the point of sale
• Mobile App: Some issuers offer apps for easy balance checking

Using Gift Cards In-Store

Physical Gift Cards

Using a physical gift card in a store is straightforward:

1. Shop for the items you want to purchase
2. Take your items to the checkout counter
3. Tell the cashier you'll be paying with a gift card
4. Hand the card to the cashier or swipe it at the card reader if available
5. Enter your PIN if required
6. If your purchase exceeds the gift card balance, you can pay the difference with another payment method
7. Keep your receipt, which will show your remaining balance

Digital Gift Cards

To use a digital gift card in-store:

1. Open the email or app containing your digital gift card
2. Display the barcode or QR code to the cashier for scanning
3. Or provide the card number and PIN verbally or in writing
4. Complete the transaction as you would with a physical card

Using Gift Cards Online

For E-Commerce Purchases

Using a gift card for online shopping typically involves these steps:

1. Add items to your shopping cart as usual
2. Proceed to checkout
3. Look for a payment section that says "Gift Card," "Promo Code," or "Apply Gift Card"
4. Enter your gift card number and PIN (if required)
5. Click "Apply" or "Add" to apply the card to your purchase
6. If the gift card doesn't cover the full amount, you can use another payment method for the balance
7. Complete your order

Tips for Online Use

• Double-check that you're entering the card number correctly
• Make sure you're using the gift card on the correct website (some cards are retailer-specific)
• Save your confirmation email and order number
• Check your remaining balance after the purchase

Managing Multiple Gift Cards

Using Multiple Cards in One Transaction

Many retailers allow you to use multiple gift cards for a single purchase:

• Online: Most e-commerce sites let you apply several gift cards during checkout
• In-Store: Ask the cashier if multiple cards can be used; policies vary by retailer
• Combining Balances: Some retailers allow you to consolidate multiple small-balance cards onto one card

Keeping Track of Your Cards

If you have multiple gift cards, consider these organization methods:

• Create a spreadsheet listing card numbers, issuers, and balances
• Take photos of your cards (front and back) and store them securely
• Use a gift card management app
• Keep physical cards in a designated wallet or holder
• Set reminders to use cards before they expire

Making the Most of Your Gift Card

Recommended Practices

• Use It Promptly: While most cards don't expire quickly, it is advisable not to let them sit unused
• Combine with Sales: Use gift cards during sales or promotions to maximize value
• Check for Restrictions: Some cards may have limitations on what can be purchased
• Save Small Balances: Keep cards with small remaining balances for future top-off purchases
• Register When Possible: Some issuers allow you to register cards for added protection

What to Do with Small Remaining Balances

If your gift card has a small remaining balance:

• Use it toward your next purchase at that retailer
• Combine it with other payment methods
• In some states, you may be entitled to cash back if the balance is below a certain threshold
• Some retailers allow you to apply the balance to your loyalty account

Troubleshooting Common Issues

Card Not Working

If your gift card isn't working:

• Verify the card has been activated
• Ensure you're entering the number and PIN correctly
• Check that the card hasn't expired
• Confirm you have sufficient balance
• Make sure you're using it at an authorized location
• Contact customer service for assistance

Insufficient Balance

If your purchase exceeds your gift card balance:

• Most retailers allow split-tender transactions
• The gift card amount will be deducted first
• You can pay the remaining balance with another form of payment
• Ask the cashier or check online for specific policies

Important Reminders

• Treat gift cards like cash - they can be used by anyone who has the card information
• Never share your card number or PIN with unknown parties
• Keep your receipt and record your card information in a safe place
• Check your balance regularly to ensure no unauthorized use
• Contact customer service immediately if you suspect fraud or unauthorized use
• Read the terms and conditions that come with your gift card