Checking the balance of your Visa gift card is essential. No, gift cards are final sale. Congress passed a law extending gift card expiration on closed loop gift cards to 5 years from the purchase date. This is the problem with Visa gift-type of cards. So, even with a low credit score you can still get one as debit cards do not require a person to undergo a credit check.

Since you can load or reload the balance of a prepaid card with cash (almost anywhere), and since the cash balance on the card is mybalancenow branded by either the Visa or MasterCard logo, the same security and fraud protection is extended to the prepaid balance.

Before you can use your recently bought Target Visa Gift Card, you must activate your card beforehand. But gift cards aren't always ideal. We're seeing people empty their bank accounts because of these kinds of crimes and, in most cases, they're not getting their money back," she says.

Debit gift cards are simply pre-paid cards that carry the symbol of a major credit card issuer like Visa, American Express, or MasterCard. In the mail with your new Chase card, you will receive a login pin number and the web address where you may access your rewards account.

Visit the Target website or click on the official website which will direct you to the Target Gift Card page. The issuers determine the maximum amount of money a Visa Gift card can hold. Alternatively, you could use an unwanted gift card to purchase a gift for someone else.

Most credit card companies attract customers with super low interest rates, sometimes as easy as 5 percent. These carry the symbols of big-name credit card companies like Visa or Discover. Some prepaids are reload-able, which means that the user can add more money to the card after the initial amount is depleted, while others are for one time use only, meaning that once the value on the card is exhausted, the card is useless.