Give thanks for these consumer tools
Gift cards that don't self-destruct
Tool: Thanks to the CARD Act, there are no fees on gift cards for the first year of nonuse.
What it does: Say goodbye to monthly fees, dormancy fees and other fine print terms that drain a card before you've even removed the wrapping -- at least for one year.
How to use: Use up your gift cards within that first year to make sure you get their maximum value.
Get the most out of it by: It still won't help you if the vendor goes out of business. So stick with stable companies or opt for bank-backed cards instead of location-specific ones.
Why consumers are thankful: This gift card gift comes courtesy of the CARD Act.