napi21
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Sun Oct-01-06 10:02 PM
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Yet another way CC companies are ripping you off!!!! |
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Since the holidays will soon be upon us and many people might look to purchase pre-paid Visa or MasterCard cards as gifts, I thought you might be interested in my story. I recently received a $50 Visa pre-paid debit gift card for my birthday. I have approximately $4 left to use on the gift card. I picked up something that was slightly more than the $4 and figured I could just pay the difference. The card kept getting declined. The woman in the store told me that if there is less than $5 on the card (since it is basically viewed as a debit/credit card), nearly all merchants will automatically decline the transaction. Evidently, it's not like a regular gift card where you can use the card until the balance gets to zero and make up whatever difference the overage would be. I went to guest services and they told me I would probably need to "re- load" the card (for a small fee) in order to use up that last bit of money! Even then, unless I managed to find a purchase for the exact amount on the card, it is virtually impossible to actually use the full amount without having to expend more time and money to re-load it. The only one who wins in this situation is Visa. ___________________________
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WCGreen
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Sun Oct-01-06 10:07 PM
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1. Buy gift cards fro particular stores.... |
napi21
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Sun Oct-01-06 10:11 PM
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5. I understand that, but I thoughtthere mght be people here who didn't |
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know that VIsA/MC both do this! I can seesomeone not knowing what to get or even what store a grandchild or other distant relative might like and resorting to a generic card like VISA, just trying to be nice. These companies really pi^^me off with some of their policies!
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Jim__
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Sun Oct-01-06 10:07 PM
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2. Thank god that congress protected the credit card companies ... |
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... from dishonest consumers. :sarcasm:
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Scout1071
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Sun Oct-01-06 10:08 PM
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3. I've used $0.87 on a gift card before. |
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On a Visa gift card nonetheless.
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Systematic Chaos
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Sun Oct-01-06 10:09 PM
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4. Start calling the company every day and demanding a refund. |
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If they hear from you enough, they'll do it just for "customer satisfaction" reasons. Keep demanding to talk to a supervisor and when you get them, demand to talk to THEIR supervisor until you get a promise of a full reimbursement. If you have the time it would be worth it just to piss them off.
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msongs
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Sun Oct-01-06 10:47 PM
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6. gee, you could always try...NOT USING THEM? nt |
DU
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Wed May 08th 2024, 02:34 PM
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