Why Is Activation Required
Companies require gift card activation to help combat fraudulent transactions and confirm whether the card was stolen or purchased. While it seems like a pain, this step is there to help.
The Gift Card Granny Visa® Gift Card and the Virtual Visa Gift Card are issued by Sutton Bank®, Member FDIC, pursuant to a license from Visa U.S.A. Inc. The Visa Gift Card can be used everywhere Visa debit cards are accepted in the US. No cash or ATM access. The Virtual Visa Gift Card can be redeemed at internet merchants everywhere Visa debit cards are accepted in the US. No cash or ATM access. The Gift Card Granny Mastercard® Gift Card and Mastercard Virtual Gift Card are issued by Sutton Bank, Member FDIC, pursuant to a license by Mastercard International Incorporated. Use your Mastercard Gift Card and Mastercard Virtual Gift Card everywhere Debit Mastercard is accepted in the US. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
What To Do About A Gift Card That Wasn’t Activated
- The Mannersmith
Q: My boyfriend recently graduated from a master’s program. His co-worker gave him a gift card. When he went to purchase something with it, he was told that “it had not been properly activated.” Should my boyfriend say something to his co-worker or just not mention it all and be thankful for the thought?
A: This is truly a tough call. There can be issues with gift cards and fraud. Suffice to say that thieves are rather creative these days. It would be ill-advised for your boyfriend to embarrass a co-worker due to a generous gesture. Instead, your boyfriend should simply pen a heartfelt thank-you note. As we enter the gift-giving season, when purchasing gift cards, take the following steps to protect yourselves: Purchase directly from the store, ask for a card from behind the counter , watch the transaction to be sure the card is activated, and most importantly ask for a gift receipt to include with the gift card.
Q: A bunch of us went out to dinner to celebrate our friend’s birthday. One of the diners, not the birthday girl, is a vegetarian. I was sitting next to her and ended up ordering a vegetarian meal, since I felt uncomfortable eating meat knowing how she feels. Others at the table did have meat in their dishes. My meal was OK, but I would have really preferred something else. What are the social norms for eating meat in front of vegetarians?
Are You Using The Visa Gift Card Online
If you have a problem using your gift card for online or telephone purchases, the most likely reason is that the merchants fraud screening process is matching the billing information entered at checkout with the billing information on your gift card account. If the addresses dont match, the card may decline. This is often the case when the Visa gift card is purchased at a grocery store or some place that doesnt require you to put a name and address on the physical card.
To solve this problem, register your card with the issuing bank making sure the name and address linked to the account are current. If youre not sure how to do that, look at the back of your gift card. You should find a website address or a telephone number to call for customer service. At Giftcards.com, for example, you can enter a name and address when you activate your gift card. Other companies require you call the telephone number on the back of the card to do the same thing.
Please Note: Sometimes consumers mistakenly think that they can register Visa gift cards on any Visa gift card site. This is not the case. You must register your Visa gift card with the company that issued the card. Check the back of the gift card to find out what company issued your gift card.
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How Do I Order A Card
Generic cards can be purchased in-branch for same day pick up. In just minutes, youll have a gift that anyone will appreciate! Cards can be purchased in any denomination from $20 to $500.The card may not be used for recurring payments, non-financial money exchange establishments and gambling establishments. There is a $3.95 fee per card purchased.
Questions Frequently Asked By The Purchaser:
What is the Commerce Visa® Gift Card?
The Commerce Visa Gift Card is not a credit card. The Card is accepted everywhere Visa debit cards are accepted within the United States. You may not use your Card to obtain cash from an ATM, redeem it for cash or obtain cash back from a Merchant purchase or at a Branch, nor may you re-sell the Card.
Where can I purchase a Commerce Visa Gift Card?
Commerce Bank customers may purchase Commerce Visa Gift Cards online at www.commercebank.com/giftcards. Limitations may apply. Commerce Bank Corporate customers may purchase Bulk orders by using our Bulk Order Form on our website, www.commercebank.com/giftcards.
What dollar amounts can I put on a Commerce Visa Gift Card?
Cards may be loaded in whole dollar amount from $25 to $1000 per card. Limitations may apply.
Will I be charged a fee for purchasing a Commerce Visa Gift Card?
Yes. The fee is $4.99 per card for a Commerce Visa Gift Card purchased via the online ordering site . Fees for a card purchased using our bulk order form are $3.99 per card .
What fees apply to the Commerce Visa Gift card?
In addition to the per card purchase fee, you will be charged the following fees, when applicable. These fees apply to all gift cards purchased in our branches, online, or through our bulk program effective 8/11/2010.
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How Long Does It Take For A Gift Card To Activate
Gift cards have to be activated at the moment of the purchase. When a client acquires a gift card this has to be activated by the authorized agent or retailer, these are the store where the card is bought, physical or electronic. If the card presents any problem when it is going to be added in an app or use in a store, this client has to contact the retailer or call the consumer service of the manufacturer. However, there are a few things to do if the card is not activated, so not everything is lost!
Above, I recommend waiting 24 hours, then go to the store or contact the consumer service of the manufacturer to claim and expect them to solve the problem. However, this does not always turn out well, and it is annoying at some point when days pass by and there is no solution. People dont want to lose their money!
At one of the sides of the gift card, there is a sticker with a URL on it. This may be a sign that the gift card wasnt activated, however, it is always good to check the package or the card itself to see it have specific instruction. Humans make mistakes, and the user can be typing something wrong!
What To Expect After You Activate A Gift Card
After you activate the gift card, it should be ready to use. I have seen some cases where a gift card issuer imposes a waiting period after purchase, meaning the gift card may not be usable for up to 24-48 hours even though it has been activated. This waiting period gives the gift card issuer time to ensure the gift card has been purchased legitimately and is not part of a gift card scam like described above.
After activating a card, its a good idea to check to see there are any gift card fees to know about and what the gift card expiration is. In many cases, you will be able to use the full balance of a gift card as long as you use the card at least once every 12 months.
If you need help remembering to use your gift card in a timely manner, try these tricks to help you remember to use your gift cards.
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If Your Visa Gift Card Is Not Working After All That
If youve checked all of these things and your Visa gift card is not working, then call the telephone number or check the website typically listed on the back of the card. You will need to contact the issuing company to find out exactly why your card isnt working.
And one other thing. At Giftcards.com, transactions for online gambling sites, adult websites, money transfer services, PayPal and recurring bill payment will be declined. Check the terms and conditions on your Visa gift card to see if other restrictions apply. Read here for another perspective on why a Visa gift card doesnt work.
Do you have any other questions about gift cards or need gift card help? Reach out to me in the comments below, on Twitter or on Instagram .
Happy Gift Carding!
~Shelley Hunter, Gift Card Girlfriend
Visit Atm Or Retail Store
Many banks allow you to activate your debit card at an ATM if you know your PIN. Insert the card into the ATM, enter your PIN and the card should activate. You can then withdraw money or simply check your account balance to ensure the debit card is working. Some banks also allow you to activate your debit card the first time you make any purchase using your PIN.
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Activate Your Visa Gift Card:
First, you have to make sure youre Visa gift card is activated. If you bought it in a brick and mortar retail store then your gift card was most likely activated when you bought it at the cash register.
If you bought your gift card online it is possible that you have to activate it. Normally all you have to do is go to the website thats printed on a label stuck on the card and enter the 16 digit number along with the security code. You may have to call the 800 number printed on the gift card if there is no website.
Not sure if youre Visa Gift Card is already activated?
Just go through the process of activating your card again. It wont hurt and youll know for sure if its already activated or not.
Your Gift Card Is In The Process Of Being Activated: Meaning
A Gift Card is a prepaid money card, these are used as an alternative form of payment to purchase something in a specific store, physical or electronic. Nowadays, gift cards are commonly used as a payment method in apps or e-commerce. Thus, to use these gift cards they need to be activated, but sometimes the authorized agents, banks, and companies take the time to verify a gift card and activate it.
When the Your Gift Card is in the process of being Activated message appears when a gift card has been activated properly. If the gift card was bought in a store like Walmart or in a marketplace like Amazon, once it is purchased this has to be automatically activated by the site or retailer.
Nowadays, the use of gift cards to acquire anything on the internet or in a traditional store is more than usual. Gift cards are practical, easy to use, come in different amounts, and some of them dont have any feed so, this is affordable and easy to acquire. But sometimes, these cards are not activated properly or at times when this is about to be used. This situation is annoying and stressful, but here Ill tell you what to do when something like this happens.
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Why Should I Register My Visa Gift Card
There are several benefits:
- It enables you to make purchases online. Your registered address will serve as the billing address that retailers require.
- It enables representatives to more quickly assist you when you need assistance.
- It protects you if your card is ever lost or stolen, so that you can be reimbursed for funds lost.
When Can I Throw A Gift Card Away
Remember that temporary bank account? The gift card is the key to accessing funds in the account. So you should hang onto the gift card until youre sure the funds are gone and no money will go back into the account.
One way money goes back into the account is when you return an item purchased with a gift card. Say, for example, you have a gift card worth $25 and you use it to buy a sweater for $25. The temporary gift card account is now $0 so you throw the gift card away. But a week later, you decide to return the sweater. Unless you tell the cashier otherwise, the refund will likely be put back onto the card used for the original purchase. Now your temporary bank account has $25, but you no longer have the gift card to access the funds.
So again, just remember to hold onto the gift card until youre sure you are not going to return an item or youll be able to put returned merchandise onto a different card. This problem doesnt happen all that often, but it can happen.
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Log In To The Issuers Website
If you’re getting a new card because you’ve just opened a new account, navigate to the website where you’ll access your account online and follow the steps to set up your online access. You’ll often need information such as your Social Security number, mailing address, PIN number or CVV number on the back of the card.
Once you’ve completed the process, you should have immediate access to your card. You might need to log in using the new user ID and password you’ve created. Look for an icon near the top right of the web page for what looks like a small magnifying glass or the word “Search” and type in “activate debit card.” Follow the instructions for activating your card.
Doing an online web search for “Activate my debit card” should help you find a direct link to the instructions for activating your specific card. Here’s an example for Bank of America. You’ll find similar directions for U.S. Bank.
In addition to visiting the card issuer’s website, you can look for their mobile banking app in the Apple Store or at Google Play. Download the app to your phone, set it up, then follow the directions for activating your card.
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In The Past Few Years Visa Gift Cards Are Gaining Popularity Across The World Among Consumers Find Out How To Check Visa Gift Card Balance
The Visa gift card is a non-reloadable prepaid card that acts like a credit card. Over the years many people have come to use the visa gift card in India and across the world. A visa gift card comes in handy when you are ready to pay or checkout online. We use it like we would use any credit or debit card. Every time the customer makes a purchase, that amount is automatically deducted from their card balance. Find out How to check the visa gift card balance?
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How Do I Make A Purchase With My Navy Federal Visa Gift Card
Using your Navy Federal Visa Gift Card is similar to using a debit card. When youre ready to pay, select CREDIT, sign the receipt and go! Or, select DEBIT if prompted and enter your PIN.
Each time your card is used for a purchase, the amount is automatically deducted from your balance. Its recommended that you know your balance before making a purchase because some merchants wont be able to provide that information.
Can I Use My Gift Card At Merchants Where A Tip May Be Appropriate
Yes. To make an online or phone purchase, youll need to register your card by visiting navyfederal.org/mygiftcard, entering your username in the Username field and clicking Sign In. Please note, if you have not created a username for your gift card, select Need Username? under the Username field. After signing in, select My Profile under My Settings and enter your name, address and phone number.
Be sure the balance on your card is enough to cover the bill and the tip. If not, the transaction will be declined.
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Can I Use My Navy Federal Visa Gift Card For Online Or Phone Purchases
Yes. To make an online or phone purchase, youll need to register your card. After signing in to navyfederal.org/mygiftcard, select My Profile under My Settings and enter your name, address and phone number.
When you make an online or phone purchase, the name, address and phone number you use must be exactly the same as the information you provided when registering your card. If the information is different, the transaction may be declined.
How To Tell If Your Debit Card Is Activated
There are few things more embarrassing than having a restaurant server or store cashier tell you, “I’m sorry, but your card’s been declined.” Using your debit card before you’ve activated it is one way you can end up in this situation, even though your card is valid and you’ve got plenty of money in your account.
Knowing how to activate a new debit card and confirm that it’s ready to use will help you make any purchases you need without an awkward rejection.
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