Frequently Asked Questions: Visa® Gift Cards - One Nevada Credit Union | Serving Las Vegas, Pahrump and Reno, Nevada - Loans, Checking, Savings, Investments and Insurance

Visa® Gift Cards

Frequently Asked Questions

General

How does the gift card work?

The gift card is a prepaid card that can be used most everywhere Visa® Debit Cards are accepted. Because it’s a prepaid card, spending is limited to the amount of money on the card. When the recipient makes a purchase with the gift card, the purchase amount is deducted from the card balance.

Is the gift card a credit card?

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.

Purchasing a Gift Card

Is there a fee?

Fees associated with the gift card can be found in the Terms and Conditions and/or on this website. But merchants will never charge the recipient a fee for paying with the gift card.

Using my Gift Card

What if the item I want to purchase costs more than the value on my gift card?

When you present your gift card as payment, simply inform the cashier of the value of your card. You can then choose another form of payment for the remaining portion of your purchase.

Can I add additional value to the gift card?

No, this card is not reloadable meaning once the balance is spent, the card should be cut up and thrown away.

Can I use the gift card to make a purchase that is larger than the balance on the card?

No, since the available card balance is a fixed amount. However, you can request to pay the balance of the purchase with cash, check, or a credit or debit card.

What should I do when the merchant’s sales terminal asks me to press ‘Debit’ or ‘Credit’?

You should always press the ‘Credit’ button. Although the gift card is not a credit card, the transaction is processed like one. You should always sign a sales receipt.

Whom do I call if I think there has been a transaction error on my gift card?

If you believe there is an error, such as a purchase that you do not recognize, simply call us at 800-847-3473.

Can I use my card for recurring transactions?

No, the gift card may not be used for automatic recurring transactions such as internet service providers or health club fees. The card may not be used for internet gambling or any illegal activity.

Can I stop payment on a purchase I made with the card?

No, it is not possible to stop payment on a purchase that is made after the card has been presented for payment.

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