You almost
certainly have seen gift cards being sold at many of the major stores. They can
be purchased in values as small as ten dollars all the way up to hundreds of
dollars. A lot of people use them because they can be put towards anything that
that store or chain sells. They are a fantastic way to give someone a present
that you know they will love since they will be the ones choosing it. That's
fine if you know what place that person likes or often goes to, but what if you
don't? That is where banks have come in to offer their own brand of gift card.
There are
gift cards that are valid for virtually any item and may be used at almost any
store but are issued by the banks. However before you go out to get one of
these cards there are a few downsides you should be mindful of.
When a
store issues you a gift card they receive money without having to provide you
any product at that time which is why most stores sell them. This amounts to an
interest free loan. From all of the gift cards that are purchased a certain
percentage will never be cashed-in and that amounts to free money for the
store. For the majority of cards that are used consumers often spend
substantially more than the card's denomination which helps to boost sales. All
of this has aided to give rise to an industry that doesn't just create the
plastic cards but also adornments like gift card holders and a wide variety of
clever gift card packaging to give it the feeling of a more substantial
present.
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