Visa Gift Cards: Frequently Asked Questions
What is a Visa Gift Card?Your DCCU Visa Gift Card is a prepaid Visa Debit Card with a specific dollar value. Your Visa Gift Card and its value are accepted at most places Visa Debit is accepted.
How can I check the balance on my Visa Gift Card?Call the number on the back of your card for balances and transaction history.
How can I use my Visa Gift Card?You can use your Visa Gift Card at most places Visa Debit is accepted. See Terms and Conditions for further information.
What should I do when the merchants sales terminal asks me to press Debit or Credit?You should always press the Credit button. Although the Visa Gift Card is not a Credit Card, the transaction is processed like one. You should always sign a sales receipt.
When I swipe my card, the terminal asks me to input my PIN. What is my PIN?A Personal Identification Number is not issued with the Visa Gift Card. If a PIN is requested, simply press Cancel on the terminal, then select Credit to complete your transaction.
What if the item I want to purchase exceeds the value of my Visa Gift Card?If the purchase amount exceeds the available card balance, then you must inform the merchant of the amount you want to pay with the Visa Gift Card and that you will pay the difference in cash, check, Credit or Debit Card. If the purchase amount exceeds the available balance of the Visa Gift Card, the transaction will be declined.
Consumer Visa Credit Card
Enjoy the peace of mind and personal service that comes with getting a credit card from your local bank. Our Monona Bank Visa Platinum credit cards offer a multitude of features and benefits including no annual fees and much more.
See current rates and a comparison of the features of our Visa credit cards.
Contact one of our experienced banking advisors at 223-3000 or to get your application today!
How Do I Check My Visa Account Balance Online
While it does not offer credit cards directly to consumers, Visa does partner with banks, financial institutions and credit unions to offer Visa-branded credit and debit cards. As a Visa credit card holder, you can check your account balance online. You can also check Visa gift card and prepaid card balances online.
Don’t Miss: What Is The Best Credit Card With Low Interest
What Is The Bb&t Visa Award Card
The BB&T Visa Award Card is a prepaid card, not a credit card. The value of the card is limited to the amount of money loaded on the card. It carries the Visa logo, like any Visa credit or check card, but because it is a prepaid card, your spending is limited to the amount of money placed on the card by the purchaser. The BB&T Visa Award Card allows you to buy what you want, when you want, at millions of merchants in the United States where Visa debit cards are accepted.
Youre Trying To Pay Down Debt
Interest expense is the enemy of debt reduction plans. The more you pay in interest, the less money you can afford to apply to your debt balance.
On the other hand, if you can pay more, pay earlier or pay more often to get that balance down even a bit, youll start paying less interest expense. More of your payment starts going to your balance.
Consider taking money from savings or other accounts where youre not earning much interest and giving your debt reduction plan a jumpstart. Be sure to keep enough money in savings for emergencies, and always look at your total financial picture before making such decisions. Read more about our best balance transfer cards here.
How To Check Your Visa Gift Card Balance
This article was co-authored by our trained team of editors and researchers who validated it for accuracy and comprehensiveness. wikiHow’s Content Management Team carefully monitors the work from our editorial staff to ensure that each article is backed by trusted research and meets our high quality standards. This article has been viewed 92,783 times.Learn more…
When using a Visa gift card, you may occasionally lose track of its precise balance while making purchases. If you need to know how much you have left on the card, it’s easy to check your balance. To check your balance, you have two options. You can look your balance up online or call the toll free number on the back of your card.
Add A Supplementary Card
Getting a supplementary card for your partner or another member of your household can help you maximize your rewards. Plus, your statement includes an itemized list of transactions so you can keep track of how much each person is spending. Remember that you will be responsible for all transactions made by the supplementary cardholder you add to your account. To request a supplementary card, sign in to Scotia OnLine®.
Report lost or stolen cards
If your credit card is lost, stolen or you need a replacement, please call us immediately. Well send you a new card replacement right away.
Switch or close your account
Whether you want to switch to another Scotiabank credit card, consolidate multiple Scotiabank credit card accounts, or close your Scotiabank credit card account, we can help.
Monday to Friday 9:00 a.m. – 9:00 p.m. Saturday 10:00 a.m. – 6:00 p.m.
You May Like: How To Get Ethiopian Visa
Checking Your Balance Online
How Does My Bb&t Visa Award Card Work
Using your BB&T Visa Award card for a purchase is similar to using any prepaid Visa card. Each time you use your card, the purchase amount is automatically deducted from your available balance. Knowing your balance before you shop will ensure your card is accepted. You can check your balance any time by visiting our cardholder service site or by calling .
Read Also: How To Protect Against Credit Card Fraud
Calling The Toll Free Number
- Where do I reload my Visa gift card?Carly GallagherYou can’t reload it. It should say “not refillable” somewhere on the card.Thanks!
- What does it mean when the available balance is 0?Community AnswerThis means that there is no money left on the card. If you do not recall spending the money, then the card may have expired.Thanks!
Why Should I Register My Visa Gift Card
There are several benefits:
- It enables you to make purchases online. Your registered address will serve as the billing address that retailers require.
- It enables representatives to more quickly assist you when you need assistance.
- It protects you if your card is ever lost or stolen, so that you can be reimbursed for funds lost.
Recommended Reading: Is Apple Credit Card Worth It
How To Check An Adp Card Balance
The ADP Aline card, now known as the Wisely card, is a way for your employer to provide direct deposit services on payday. This specialized card is not a bank account or a credit card and it involves no credit check. Instead, it is a prepaid card that your employer reloads for you each payday. There are several ways to check your ADP Aline or Wisely card balance by phone, online and more.
Can I Create A Pin
Yes – you can create a pin on the Gift Card website by selecting “My Pin” under the My Settings tab.
You can also request one at the time you activate your card using the toll-free number on the sticker. There is no charge for using the voice response system. If you activate your card on the website, you will need to call 866.543.9161 to request a PIN.
You May Like: How Credit Card Apr Works
Sign Up For Online Account
Before you can log in and check your balance, you must through the issuing bank or credit union. Registering for an online account requires the card number, three-digit code on the back, a valid email address and a password. Chase, for example, asks for the card number, your Social Security number and a user ID. Once logged in, you can often find your balance on the home page of your account. Otherwise, find a link for check balance or view account balance.
Adp Card: Cash Machine Balance
It is simple to check your ADP Aline or Wisely card balance by visiting an in-network ATM. The Wisely website provides a search function so that you can locate fee-free ATMs near you. Simply enter your location into the search field and then visit one of the locations listed. Most ATMs will allow you to check your balance without withdrawing money. Simply insert your card, enter your PIN and then select the “Balance” option. The ATM will print a receipt showing your current ADP card balance.
Also Check: How To Fight Fraudulent Credit Card Charges
Additional Credit Card At No Annual Fee
For your spouse or other family member6. Available to primary cardholders.
Why Your Balance Is Important To Know
Maintaining a good credit card balance is important for your credit score and your overall financial health. A high credit card balance can hurt your credit score, particularly when you’re using a large percentage of your credit limit. High balances also mean higher monthly minimum payments.
You can tell whether credit card balances may be affecting your credit score by calculating your credit utilization ratio. This number shows the ratio of your credit card balances to their credit limits. In other words, it tells you how much of your total available credit is already “spent” and how much is available. It’s worth 30% of a credit score calculation, which makes it one of the most important factors in your score.
Here’s an example. If you have a card with a credit limit of $5,000 and a balance of $2,500, the utilization ratio is 50%. You have used 50% of that account’s available credit.
Recommended Reading: How To Get Someone’s Credit Card Info
How Do I Get Information On My Desjardins Credit Card Balance And Transactions
Online on AccèsD
You can see your Desjardins credit card account online on AccèsD. Check your account balance and recent transactions, and see your monthly statements.
If you are a caisse member and want to register for AccèsD, call 514-522-2373 or 1-800-CAISSES , 6:00 a.m. to midnight, 7 days a week.
If you are not a caisse member, call the customer service department at 514-397-4415 or 1-800-363-3380 . Business hours are Monday to Friday 8:00 a.m. to 8:00 p.m., Saturday to Sunday 8:30 a.m. to 5:00 p.m..
Order Credit Card Cheques
With the same flexibility as personal cheques, credit card cheques allow you to make purchases up to your available credit limit. You can use them in places where only cash or cheques are accepted.
You can also use them to transfer the balance of your credit cards from other financial institutions or stores to your Desjardins credit card, so you only have a single payment to make.
Order up to 2 free series of 3 cheques each.
There are no transaction fees for using Desjardins credit card cheques, but your account must be in good standing.
Do you need more flexibility when it comes to daily or unexpected expenses?
Don’t hesitate to apply for a credit limit increase on your Desjardins credit card.
Recommended Reading: Can You Use Capital One Credit Card Before It Arrives
Check Gift Card Balances
Visa also collaborates with banks and credit unions to offer gift cards and prepaid cards. Most gift and prepaid card issuers include the websites on the back of the card where you can check the balance of your card. The information you need to access your online account varies depending on the issuer and can include the card number, three-digit code on the back of the card and your email address. For example, the Visa gift card from TD Bank simply requires the first six digits of the card to log in and check your balance, while the Wells Fargo card requires the full card number and the three digits on the back.
Wisely And Aline Card Balance Online
Before you check your Wisely or Aline card balance online, it is important to ensure that your online account is set up and your card is activated. If you encounter technical difficulties with either of these things in regards to your Aline card, you can call ADP Cardholder Services at 1-877-237-4321. For your Wisely card, call 1-877-431-5860.
Once your account is set up, you will be able to log in through the ADP website for the Aline card or the Wisely website for the Wisely card. Your account balance will be shown immediately after login. You will also be able to view recent and pending transactions.
Recommended Reading: What Is The Annual Fee For First Premier Credit Card
Create An Online Account
To access your credit card statement, you’ll first have to create an online account via your card issuer’s website. If you obtained a credit card through your current bank or credit union, your credit card account may be accessible through your existing online banking account. If not, check the back of your credit card for the credit card issuer’s web address where you can create an online account.
Creating your account will require you to enter some basic identifying information, including your credit card account number. You’ll also have to create a username and password to access your account in the future.
What Is A Credit Card Statement
A credit card statement is a complete log of your account activity during a specific period. It shows any payments, credits, interest, and charges you have accrued during the period, as well as your total account balance, statement balance, minimum payment due, and due date. Your credit card issuer releases a statement monthly, shortly after your billing cycle closes.
Recommended Reading: What Is No Fee Credit Card
Adp Aline And Wisely Cards
The popular ADP Aline card has undergone a name change and is now known as the Wisely card. While most ADP cards are issued in contract with your employer, some cards are available for individuals to use apart from any employer-sponsored program.
ADP cards are popular among institutions of higher education. The University of California Berkeley reports that their Aline cards transitioned into Wisely cards in the second half of 2020. They advised employees to continue using their Aline Cards until they used the entire balance on the card.
Scotiabank Value Visa* Card
0.99% introductory interest rate on balance transfers for the first 6 months 1
Save up to hundreds of dollars a year on interest
Convenient with;Visa payWave*simply wave your card and go!2
Are you new to Canada in the past three years?
Visit a branch to apply.
Try our calculator to find out exactly
how far ahead youll be!
You May Like: What Does 0 Apr Credit Card Mean
Can I Use My Bb&t Visa Award Card At Restaurants
Yes. However, you should be aware that many restaurants factor in an automatic tip or other expenses above the purchase amount when authorizing card purchases. If your bill, plus the estimated tip or other expenses, exceeds the balance on the BB&T Visa Award Card, it may be declined. If this situation occurs, ask the merchant to deduct a specific amount from the card and use another method of payment for the balance.