Returns, receipts and gift card rules

A little paperwork makes returns easy, and federal rules protect most gift cards.

Returns

• Ask for gift receipts
• Check holiday return windows; many stores extend them, but not all
• Keep receipts together in one envelope or photo folder

Gift card rules

• Under federal law, most store and bank gift cards can't expire within five years of when they were bought or last loaded
• Inactivity fees are limited and only allowed after a year without use
• State laws may give more protection
• Use gift cards soon: if a store closes, the card may become worthless

Never pay a bill with a gift card

Anyone who asks you to pay a bill or fee with gift cards is running a scam.

General educational information. Store policies and terms vary; check with the store. Dime Wise Club isn't paid by any store, bank or payment company.