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According the National Retail Federation, gift cards are expected to be the most requested gift this year. Here are 6 ways you can get one free… well, mostly free. 1. Social media sites. Did you know that the Credit Card Accountability Responsibility and Disclosure (CARD) Act of 2009 has provisions that affect gift cards? Neither did I. But on Aug. 22, 2010, the following provisions take effect for gift certificates, store gift cards and general-use prepaid cards (usually branded by Visa or MasterCard). Fee and expiration limits. Inactivity fees can [...] By now, you probably already know that many gift cards charge a fee against the unused balance if the card is not used by a year after purchase. But the recent bankrupting of Sharper Image shows a new peril with giving the gift of card. Specifically, what happens to the card holder if the company files [...] |
 
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