A gift card from AMEX is like cash. The customer pays only for the value of the card and it may be used at any place that sells gift certificates. The card may be used at the participating stores or online, whichever is easier. These cards are very easy to get because they can be printed at home, and usually without charge.
When you want to add credit to an existing balance, you will need to have enough money in your bank account to cover the exact amount of the gift certificate. Then, call the store where you got the card and ask to add the card. If the clerk asks if you need to have a form signed, be sure to give it to them. This way, you can be sure to have the exact amount of the amex gift card and not a figure lower than the amount of the credit in your account. Usually, the amount on the card is the same as the value of the credit in your account.
Another way to get an amex gift card is by purchasing them at a bank or any other place that sells debit cards. The process is exactly the same as buying gift certificates. Call the store or merchant to find out if the cards are available. Usually, you can obtain them without having to pay any cash. The only difference is that you will not be paying the full amount in cash. The merchant will have a form that you can fill out to obtain the cards.
After you have obtained your amex gift cards, you must decide what the best method for payment is. You can pay the balance in cash or you can use a credit card payment method. Some merchants may allow you to add additional purchases to your gift certificate at a reduced cost. Your purchase total will appear on your statement, giving you options of changing the amount of the purchases or you can make the total amount goes towards your payment method.
You do not have to pay full price for your cards. You can add cardholders to an account for an exact amount. Usually, you cannot add cardholders to an account with an exact amount until you have used up the entire amex gift card. However, adding cardholders will allow you to keep costs down.
When you find that you are unable to make payment in full for your purchases, you will want to consider a transfer of your balance. There are many places where you can transfer your balance to. This option will ensure that you are not left holding the money for a time. If you want to keep the amount of the credit card that you have, you may be able to change the type of card that you have or the full amount of the credit card.
A transfer to a debit card is usually much less costly than transferring to an amex gift card balance. Therefore, if you have a credit card balance but do not wish to take it out, consider a debit card instead. If the same gift card balance is what you need to cover the cost of the items that you want to buy, you can take the debit card and pay at stores that accept debit card. This will help you ensure that you do not incur any additional charges.
If you do not have a lot of money to spend on gifts, consider purchasing items that can be paid for online. The money for these purchases can come from savings that you already have or through credit card payments that you make each month. Both of these options are safe options that you have when you need to buy gifts for family members or friends. There are many different sites that offer these types of payments and they do not incur as many fees as payment options that require you to use cash. These are great options to consider when you need to send a gift but do not have enough money to cover the cost.