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Frequently Asked Questions – Gift Cards 2012
GENERAL VISA® GIFT CARD QUESTIONS
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Q: Is the Visa Gift Card a credit card?
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A: No. It is a prepaid Visa card that carries a fixed cash amount determined by the giver at the time of purchase. Each
time the gift recipient uses the card, the purchase amount is deducted from the available balance.
Q: Where can my gift card be used?
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A: It can be used to make purchases everywhere Visa debit cards are accepted.
Q: Is there a limit as to how much value the gift card can have?
A: Yes. Personalized gift cards ordered online have a minimum value of $10 and a maximum value of $250. Pre-designed
gift cards purchased at any Texans branch have a minimum value of $25 and a maximum value of $1,000.
Q: Does the gift card recipient need to sign an agreement?
A: Each card is distributed with a Cardholder Agreement & Disclosure. This agreement fully explains the terms and
conditions regarding the use of the card. This agreement can also be viewed online. The gift recipient accepts the
terms and conditions by activating the card, signing the back of the card or using the card.
Q: Can the gift card be reloaded.
A: No, the card cannot be reloaded.
Q: Can I use the gift card at an ATM?
A: No, the gift card can be used for purchases only.
Q: Will a Personal Identification Number (PIN) be issued with the gift card?
A: No.
Q: Do I select debit or credit at the point of sale?
A: The cardholder should select credit.
Q: Can I get cash back from a merchant?
A: No, cash back is not an option on the gift card.
Q: How are returns handled?
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A: Each merchant location has its own return policies and will handle returns in the same manner as any other Visa debit
purchase.
PRE-DESIGNED VISA® GIFT CARDS (PURCHASED AT A TEXANS BRANCH)
Q: How does the recipient check the balance on the gift card?
A: Visit www.harlandclarkegiftcard.com or call 1.866.244.5360. This contact information can also be found on the back of
the gift card itself.
Q: What happens if the card is lost or stolen?
A: Call the 24-hour Harland Clarke Gift Card Customer Service Center at 1.866.244.5360 as soon as possible so that the
card can be canceled and replaced. A replacement card will be issued and any available balance will be transferred to
the new card, less any lost/stolen fee and new card issuance fee. Please refer to the Cardholder Agreement provided
with your gift card for additional information.
Q: What are the fees associated with the gift card?
A: Please refer to the Terms and Conditions.
Q: Does the gift card have an expiration date?
A: Yes. It expires when the remaining balance is $0 or on the expiration date shown on the front of the card. Once the
card expires, a $10 monthly fee will be assessed until the balance is zero, or until the cardholder requests a new card.
The cardholder may terminate the card and receive the funds via a check. Within six to eight weeks of a written
request, a check will be sent less the $25 service fee.
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Frequently Asked Questions – Gift Cards 2012
Q: What happens if there is a balance remaining after the gift card expires?
A: The cardholder may request that a new card be issued and the remaining balance transferred to the new card. A
balance/transfer fee of $5 will be deducted from the balance and a new card issuance fee may also apply. Once the
card expires a $10 monthly fee will be assessed until the balance is $0, or until the cardholder requests a new card.
The cardholder may terminate the card and receive the funds via a check. Within six to eight weeks of a written
request a check will be sent less the $25 service fee.
Q: Can the gift card ever have a negative balance?
A: Any authorization request that is greater than the card's available balance will be declined. However, there can be
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times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the card recipient
will be required to make a payment to cardholder services to cover the negative amount.
Payments should be sent to:
Cardholder Services
PO Box 550160
Fort Lauderdale, FL 33355-0160
Q: What if a purchase is denied?
A: The card's available balance is probably less than the purchase amount. Call 1.866.244.5360 for the remaining
balance on the card and use another form of payment to pay the difference, subject to the policy of the merchant. Also,
please be aware that use of the gift card at some merchants – for example, restaurants, mail-order companies, and
cruise lines – requires the card have an available balance greater than the purchase amount to ensure sufficient funds
for tips or incidental expenses. Use of the card at automated fuel dispensers requires a minimum balance of $75.00.
However, only the actual amount spent will be deducted from the card.
Q: How are disputes handled?
A: Simply call the gift card customer service number, 1.866.244.5360, and they will walk the cardholder through the
process.
CUSTOMIZED VISA® GIFT CARDS (PURCHASED ONLINE)
Q: Why does a gift card purchased online over $100 need to be shipped to the purchaser?
A: It is a security measure in place to prevent potential gift card purchases with a fraudulent credit card or debit card.
Q: How does the recipient check the balance on the gift card?
A: Visit www.GiftCardLab.com or call 1.888.799.0028. This contact information can also be found on the back of the gift
card itself.
Q: What happens if the card is lost or stolen?
A: Call the gift card Customer Service Center at 1.888.799.0028 as soon as possible so that the card can be canceled
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and replaced. As long as the lost or stolen Visa Gift Card is reported immediately, the recipient may not be
responsible for any unauthorized charges. After the gift card is canceled, we will send a replacement card with the
remaining balance, minus a Replacement Card Fee that will be deducted from the card balance. Please refer to the
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Cardholder Agreement provided with your Visa Gift Card for additional information.
Q: What are the fees associated with the gift card?
A: Please refer to the Cardholder Agreement.
Q: Does the gift card have an expiration date?
A: Yes. It expires when the remaining balance is $0 or on the expiration date shown on the front of the card.
Q: What happens if the gift card expires before the card value is spent?
A: Any remaining balance can be returned to you, if requested. Funds are distributed by check within 10 to 12 weeks, less
a Card Account Liquidation Fee deducted from the card balance. Please see the Cardholder Agreement for more
information.
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Frequently Asked Questions – Gift Cards 2012
Q: Can the gift card ever have a negative balance?
A: Any authorization request that is greater than the card's available balance will be declined. However, there can be
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times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the card recipient
will be required to make a payment to cardholder services to cover the negative amount.
Payments should be sent to:
Cardholder Services
PO Box 551617
Jacksonville, FL 32255
Q: What if a purchase is denied?
A: The card's available balance is probably less than the purchase amount. Call 1.888.799.0028 for the remaining
balance on the card and use another form of payment to pay the difference, subject to the policy of the merchant. Also,
please be aware that use of the gift card at some merchants – for example, restaurants, mail-order companies, and
cruise lines – requires the card have an available balance greater than the purchase amount to ensure sufficient funds
for tips or incidental expenses. However, only the actual amount spent will be deducted from the card.
Q: How are disputes handled?
A: Call the gift card customer service number, 1.888.799.0028, and they will walk the cardholder through the process.
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