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Give thanks for these consumer tools

Gift cards that don't self-destruct
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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.


 

 

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