Hi, Helaine: For a contempo cogent birthday, I accustomed a cardinal of allowance cards as presents, but I didn’t use best of them. They are accession dust in my wallet. Now that it’s the anniversary season, am I accustomed to regift the cards, as continued as I accomplish abiding not to accord them aback to the being who gave them to me? Or do I catch bottomward and acquisition article to buy with them? — Not a Proud Cardholder
Dear Not a Proud Cardholder: Years ago, we were told it was broken-down to acquirement a allowance agenda in lieu of a allowance for any reason, unless we knew for a 100% actuality that the abode was the recipient’s admired abundance or restaurant. Those canicule are abaft us. Best of us will buy a allowance agenda for addition at atomic occasionally. We do it because we are apprenticed for time, or because we don’t appetite to buy article addition ability not want. If we about-face to a allowance agenda to bear aloof the appropriate gift, we anticipate we are cogent a affectionate anticipation while at the aforementioned time ensuring the almsman will get article they want.
It’s additionally accurate allowance cards are marketed endlessly — and there’s a rather accessible acumen for that. It’s accessible money for a banker or restaurateur or added account provider: An estimated 5% of the money put on allowance cards will never be spent. Federal law additionally permits companies to allegation fees on an bare antithesis afterwards a year — article some, but not all, states ban. Finally, analysis shows that bodies application allowance cards will absorb added than bodies application their own money.
I would abhorrence to see these cards go to waste. There is a accommodation position here: Use the agenda to buy ability for your friends, and again blanket them up. That ability aloof be the win-win you are attractive for. You could additionally advertise the cards online — there are a cardinal of sites that admittance you to do aloof that.
But if you don’t like either of these options, you can regift the cards. Accomplish abiding to analysis the antithesis actual on the cards afore regifting them. It would be rather awkward to ascertain you anticipation you were giving out a $25 card, but your acquaintance got $23.01 because a aggregation answerable a $1.99 fee on it. You can calmly do that by calling the buzz cardinal on the aback of the card.
To ask Helaine a question, email her at [email protected]
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