Credit Card Review & Application
- Personalized, Pre-designed, or Custom prepaid VISA Gift Cards for all occasions
- Custom message on card
- Load value from $20.00 to $500.00
- No monthly fees
- No annual fees
- No maintenance fees
- Shipped by USPS First Class (free) or by FedEx
- Issued by by First Gulf Bank, N.A. pursuant to license from Visa U.S.A. Inc
|APR on Purchases:||N/A *|
|Card Issuer:||First Gulf Bank|
|Card Category:||Consumer (Shopping)|
|Card Type:||- Co-Branded Card|
- Gift Card
- Guaranteed Approval
- Prepaid Debit Card
- Shopping Card
|Credit Needed:||Accepts All*|
The Visa Gift Card is a unique prepaid card for consumers wanting to gift a specific amount of money to another individual. The card can then be used to make purchases or pay bills.
It is important to note whether or not the card that is received is a reloadable card or a non-reloadable card. Reloadable cards enable individuals to deposit funds onto their card through a number of methods that are determined by the card. Non-reloadable cards cannot be reloaded. They are used until the gift funds are exhausted and then disposed of.
This is a gift card that has no monthly fees, no annual fees, and there are no transaction fees. There may, however, be an ATM charge when withdrawing cash from an ATM machine. The bank the machine belongs to charges this amount.
There may be a limit on the amount that can be withdrawn. When purchasing the gift card, there is a small fee based on the amount being placed upon the card. The fee also varies based on whether the card is purchased through a standalone retailer or online.
There is also a bill pay feature that is available. This feature is dependent upon the vendor distributing the card. For instance, an online vendor may provide a bill pay button so that bills can be paid from the card via the website. All bills are entered and all are paid at the push of a button.
The gift card is issued via licensed Visa dealers. Each gift card may have a different licensed vendor.
Because this gift card functions the same way as a prepaid card, cardholders do not have to worry about overdraft fees or interest charges. The only amount of money that can be spent is the amount on the card.
The card can be used anywhere in the United States or worldwide where Visa is accepted. Anywhere in the world merchandise can be bought, dinner can be purchased, and bills can be paid. The card can also be used to make purchases and pay bills online.
There are no credit checks or financial information needed. The card is purchased just like any gift card through a retail establishment would be.
The gift card balance can also be checked online or through a toll free telephone number on the back of the card. That way an individual knows how much money they have left on the card to use.
The review prepared by CreditCardsCo™. Opinions expressed therein are solely those of the reviewer.
|Other Benefits:||*See Terms & Conditions|
|Comments:||People that receive Visa Gift Cards, need to have a secret Activation Code in order to activate the Visa Gift Card once they receive them. This ensures that if your Visa Gift Card is intercepted in the mail - that it will not be activated without this code.|
|Online Account Access:||Yes|
|100% Guarantee Approval:||Yes|
|APR on Purchases:||N/A *|
|Late Payment Fee:||N/A*|
|Additional Fees||International transaction fee of 3% and a $2.00 flat conversion fee still apply|
Card Value $25.00 - $74.99 CAC fee - $5.95
Card Value $25.00 - $74.99 NMF fee - $5.95
Card Value $25.00 - $74.99 standard - $4.95
Card Value $250.00 - $500.00 CAC fee - $7.95
Card Value $250.00 - $500.00 NMF fee - $7.95
Card Value $250.00 - $500.00 standard - $6.95
Card Value $75.00 - $249.99 CAC fee - $6.95
Card Value $75.00 - $249.99 NMF fee - $6.95
Card Value $75.00 - $249.99 standard - $5.95
Custom Carrier type fee - $2.00
Greeting card type Carrier fee - $1.00
Inactivity fee (after 12 month) - $4.95
Lost / Stolen card replacement - $4.95
Standard Carrier type fee - $0.00
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† The information provided for VISA Gift Card - Personalised Gift Card is believed to be accurate at the time of evaluation (Jun 26, 2012). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.