Do Visa debit gift cards require credit checks?


Quick Answer

Visa debit gift cards do not require credit checks. They are paid for in full when they are purchased, and the purchaser sets the amount that is loaded onto the card.

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Full Answer

Visa debit gift cards are accepted anywhere Visa is accepted. They don't require a credit check because they are not credit cards and no line of credit is extended to the purchaser or the recipient. Since there are no PINs associated with the cards, Visa's website advises users to select credit instead of debit when using them. Visa debit gift cards can't be reloaded, so they have no value once the funds are spent.

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