No. The Gift Card is a prepaid card. While a prepaid card looks similar to a credit card, gift card recipients do not have a line of credit. They can only spend up to the balance on the card.

You have the option to press the “Credit” or “Debit” button. The credit transaction will require you to sign a sales receipt to authorize the purchase and the debit transaction will require you to enter your PIN to authorize the purchase.

In the event you need to return an item you purchased with your Gift Card, the merchant will handle the item in accordance with Debit Card guidelines.  The merchant may credit your card (put the funds back on the card) thereby increasing your available funds.

If a decline occurs, the card’s available balance is probably less than the purchase amount. You may inform the merchant of 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 some merchants – for example, restaurants, car rental agencies, salons, mail-order companies, hotels, and cruise lines – preauthorize for an amount slightly higher than your actual transaction to ensure sufficient funds for tips or incidental expenses. This amount is “held” until the transaction settles to your Gift Card. Only the amount you sign for will ultimately be deducted from your card. Use of the card at automated fuel dispensers requires that a specific minimum balance be available on the card, which is determined by the issuer of the prepaid card, in order to complete the transaction. Again, only the actual amount spent will ultimately be deducted from the card.

When you have depleted all the funds on the Gift Card and no returns are necessary, simply destroy and discard the Gift Card.

You can still check your balance with the gift card account number and CVV.  To log into your gift card account, you can use the Forgot Password which will send you an email to set a new password.