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Gripe...Visa Gift Cards

April 20th, 2008 at 01:27 pm

My daughter received a $25 Visa Gift card in the mail from her aunt as a birthday gift. My daughter would rather have cash, so I'm giving her $25 and will use the gift card when I buy groceries.

While we appreciate the gift, I can't believe anyone would pay the $3.95 activation fee...especially for only $25.00. The fee is over 15% of the value of the card. That's quite a bit. In other words, her aunt could have saved 15%!!! This is one aunt who should be watching every penny she has...but, of course, doesn't.

I'm sure most of us, that are a bit frugal, would realize it would be better to write a check, send cash, get a gift card to a store without a fee. I might even just make a homemade card to send with the cash, especially for a child, to save myself a few extra dollars.

Thanks for reading my gripe!!

Posted in Uncategorized | 5 Comments »

5 Responses to “Gripe...Visa Gift Cards”

  1. mom-sense Says:
    April 20th, 2008 at 01:43 pm 1208699023
    1208699023


    Sometimes the Visa gift cards have the fee waived - at our bank through their reward point redemption there are no "activation" fees. Maybe that was how it was purchased.

  2. Nic Says:
    April 20th, 2008 at 01:51 pm 1208699489
    1208699489

    Maybe it was a re-gifted card.
    Maybe it was a "reward" card...my sister gets those all the time from Wells Fargo.
    Perhaps it was from her bank/credit union where fees are waived.
    It could have involved many combinations of no fees. But certainly,it was a THOUGHTFUL gift.

  3. compulsive debtor Says:
    April 20th, 2008 at 01:56 pm 1208699814
    1208699814

    I think the fact that the aunt was kind enough to send an acknowledgement of your daughter's birthday is what matters. Who cares about the rest.

  4. creditcardfree Says:
    April 20th, 2008 at 02:21 pm 1208701301
    1208701301

    All...very good points. I completely appreciate the thoughtfulness of it. Out of 6 in-law aunts and uncles, she the only one that sends anything. She will be getting a thank you card, too.

    I was more shocked about the activation fee than anything. I didn't know you could get them waived!! Thanks for shedding some light on my gripe. Smile

  5. debtfreeme Says:
    April 21st, 2008 at 10:16 pm 1208816209
    1208816209

    if it is one of those reloadable ones it is a good deal because it protects you in case it is lost and used. I have one of those from my insurace company for doing surveys with them i get money reloaded on the same card every couple of months with no other cost to them.

    other than that, no way..

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