The Credit CARD Act made changes to gift cards that make this universal gift better than ever.
- Full disclosure of fees and expiration dates are right on the cards.
- Cards you buy after Aug. 22, 2010, hold their value for five years or, if the card is reloadable, for five years on any amount you add.
- Unless you stash the card unused for 12 months, issuers can't charge fees for nonuse.
Credit union gift cards are always a good deal. Stop in today and wrap up all your holiday shopping.