The only requirement for obtaining a Visa gift card is a payment equal to the desired value of the card. There is no application required for a Visa gift card. To purchase a Visa gift card, visit the Visa website to find a retail location or an online vendor.Continue Reading
A Visa gift card is a prepaid card, not a credit card. The value of a Visa gift is equivalent to the purchase price, less any service fees. It isn't possible to spend more than the value originally loaded onto the card, thus a credit application is not required. Visa gift cards cannot have additional funds added to them after the initial purchase. They can be used anywhere that Visa debit cards are accepted. Although Visa gift cards are not credit cards, they normally don't come with personal identification numbers, so they should be presented as credit cards when making purchases.
Although many people buy Visa gift cards as gifts, some people use them to make online purchases. If a Visa gift card number is stolen, any fraudulent transactions are limited to the amount available on the card, unlike debit or credit cards, which can be subject to thousands of dollars in fraudulent transactions.Learn more about Personal Banking