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When buying gift cards make sure you don’t fall prey to gift card scams. Never buy gift cards that are on a display rack in a store. Crooks can copy the card number and pin in the back of the card. They wait a few days and check to see if the card has been activated. When it has, they go online and deplete the account. Crooks can also scan the cards with a mini scanner and follow the above mentioned procedure. If you must buy a card on a display rack, be sure that there is a pin associated with the card and that it can’t be seen. You must scratch the card to reveal the pin number. If they are technically savy, crooks can charge a small amount to a card then reprogram the card with a stolen ID number. Thieves can also open the packaging of new cards and replace the new cards with used cards.

Be very careful when buying gift cards on online sites such as eBay. Look at the seller’s rating to see what others are writing about this person. It’s no secret that many counterfeit cards end up on online auction sites. Sellers have been known to overstate the value of the cards. You can’t physically look at the gift card until after you have paid the seller.

You should only buy gift cards directly from the store or a secure website. If buying in store, ask the salesperson to scan it in front of you to check the amount on the card. This will also insure that the card is valid and ready for use. Always keep a receipt of your gift card purchase in case it is lost or stolen. This will help you replace the card if the card issuer gives you a replacement option. Never give out personal information such as social security number, driver’s licence number or date of birth. No reputable card company will ask you for that information.

Before you buy that gift card, be sure to read my post on gift cards so you get the maximum use of that card. Please click here to read the post.

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