You can
barely walk through a grocery store or many other outlets without seeing racks
and racks of gift cards. Are they safe and are they as convenient as promoters
would have you think they are?
The Office
of the Comptroller of the Currency (OCC) offers guidelines for issuance of Gift
Cards. Unfortunately the OCC guidelines are nothing more that that -
guidelines. They are not law. So gift card purchasing is strictly a "Buyer
Beware" environment.
Gift Cards
from some very conscientious sellers can be an awesome gift. They offer
convenience and practicality. Gasoline credit cards, store discount cards,
retail specific gift cards, prepaid telephone and credit cards and so many more
can all lead to a gift giving buyers dream of convenient shopping and idea
generation. They can be easily mailed and can be a very well received by the
recipient. But generally gift card promotion and popularity has less to do with
customer convenience and far more to do with incredible profitability.
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