It’s not exactly a gift they’ll remember you by: A general-purpose gift card that can be used in many stores but can cost $6.95 above face value and start charging fees as high as $4.95 a month after six months.
On top of that, some stores won’t accept the card for part of a purchase if the price is higher than the card’s remaining value. I’m not surprised that by the time these cards expire -- some do in a year or less -- about 10 percent of their value is never used.


















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