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How do I go about to apply for a Visa Gift Card?

Can you go over your Visa Gift Card amount?

  • I was going to buy something online and the total came up to $84.69 but the card only had $75 in it. Will the website simply decline the purchase or what will happen?

  • Answer:

    Since there isn't enough money on the card, the transaction will be declined.

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Depends on how they process the payment, but generally they will find electronically that the card doesn't have sufficient funds and as a result reject the transaction (you can always try). The problem with gift cards online is that you can't use more than one payment source to make the purchase. Maybe you can instead transfer the visa gift card amount to a paypal account and make the payment from that or use the Visa gift card to but other things and use the money you save to make the purchase.

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If they request an authorization for $84.69, the card will decline with insufficient funding. If you are looking to use the card in conjunction with another form of payment, many large retailers will let you do a split tender so you can charge $75 to the gift card and pay for the remainder in another manner.

Alan

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