The New York Times.
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Visa and MasterCard credit cards produce generic gift cards which need not be redeemed at particular stores, and which are widely used for cashback marketing strategies.By adding a custom message or name on the front of the card, it can make for an individualized gift or incentive to an employee to show how greatly they are appreciated.Later this feature was dropped as it was not profitable for both Kmart and Mobil.Gift cards, to a degree, may overcome this problem but have certain pitfalls.2 Rules can be changed by the issuer without notifying the consumer.8 5 See also References "gift token meaning in rv parts nation promo code the Cambridge English Dictionary".
For example, gift cards that resemble credit cards (i.e.
With Visa, MasterCard or American Express branding) and phone cards are regulated by the federal government.
12 A quarter of gift card recipients still have not spent gift cards a year after receiving them, according to a Consumer Reports survey."What Not To Get Mom For Mother's Day".Dubner and Steven.In the beginning, the Blockbuster giftcard replaced gift certificates that were being counterfeited with recently introduced color copiers and color printers.They are backed by an on-line electronic system for authorization.Some retailers use the gift card system for refunds in lieu of cash thereby assuring that the customer will spend the funds at their store.Gift cards can also be custom tailored to meet specific needs.It has been estimated that perhaps 10 of cards are not redeemed, amounting to a gain for retailers of about 8 billion in the United States in 2006.
For example, gift cards may be subject to an expiry date, administrative fees, restrictions on use, and absence of adequate protection in case of fraud or loss.
Other companies have introduced virtual gift cards that users redeem on their smartphones.
Additionally, retailers are unable to levy more than one fee per month.