Visa Inc. is the largest American multinational financial services corporation which is situated in Foster City California USA. It provides the Electronic Fund Transfer throughout the world and most commonly via the VISA Credit Cards Or Debit Cards. VISA gives the services across the all continents worldwide all Visa transactions worldwide are processed through VisaNet at one of two secure facilities such as Operations Center East which is located somewhere near Ashburn, Virginia; and other Operations Center Central which is located somewhere near Highlands Ranch, Colorado. Both the data centers are heavily secured against natural disasters, crime, and terrorism; can operate independently of each other and from external utilities if necessary; and can handle up to 30,000 simultaneous transactions and up to 100 billion computations every second. VISA is the world’s second largest second Card payment organization (Both Credit Cards/Debit Cards).

VISA claims to have 2.4 billion Cards issued across more than 200 countries now a days. VISA Cards do not issue Credit, Debit or Prepaid Cards but also they provide the important services when you spend. VISA Cards provide their services to your card issuer which may be the Bank or the Company that is named on your Cards and dealt with your Application.

This is what VISA do when you use your card:

A Credit, Debit or Prepaid VISA cards are the major Payment technology company. VISA Cards are available to Individuals to Business along with Business Consumers with the excellent, good, poor or no credit. Each cards have the different terms that reflect’s the consumer’s credit worthiness. A Visa Credit Card for consumers with excellent credit might offer cash back rewards and a low interest rate, while a Visa Prepaid Card that must be funded before it can be used might be appropriate for a consumer with poor credit.

VISA Gift Cards –

Visa Gift Cards are issued by either MetaBank^TM or Sunrise Banks, N.A., 200 University Avenue, St. Paul, MN 55103, Member FDIC, pursuant to a license from Visa U.S.A. Inc. the VISA Gift Card may be used in the United States wherever Visa Debit Cards are accepted. The VISA Card may not be used at any merchant, including Internet and mail or telephone order merchants, outside of the U.S. or the District of Columbia.

#VISA Gift Cards Frequently Asked Questions (FAQ):

• What are the Visa Gift Cards?

  • The Visa Gift Cards are the Prepaid Card, not a credit card. You determine how much money you want to put on the card at the time of purchase. You can buy a Visa Gift Card for yourself or for someone else. Once you have purchased a Visa Gift Card, the cardholder can use it to make purchases anywhere Visa Debit Cards are accepted. Golden 1 Gift Cards are valid only in the United States

• How is My Visa Gift Card different than a Store Gift Card or Gift Certificate?

  • Unlike Store Gift Cards or gift certificates, the Visa Gift Card enables you to choose where you spend the money on your card. You are not limited to just one store. You can use it at any store or online retailer that accepts Visa Debit Cards.

• What should I do if the Visa Gift Card never arrives?

  • If the Visa Gift Card you have purchased does not arrive within 14 business days then you need to please call the The Golden 1’s Gift Card Center at toll-free Number Of VISA Gift Card 1-866-839-7599.

• How do I Activate my Visa Gift Card?

  • You can Activate a Visa Gift Card purchased online one of two ways given below:
    • Sign into our Web site using your Visa Gift card number and click “Activate Card”.
    • Call the toll-free number printed on the activation sticker of your Visa Gift Card.
    • Gift Cards purchased in the branch are already activated.

• How do I Register My Visa Gift Card?

  • • You need to Register Your Visa Gift Card by signing into the VISA Web Site, clicking on “Cardholder Sign In” and then selecting “Update Profile”. You will need the card number and your password (the password is the password you selected when you activated the card or the last six digits of the card.
    • You can call the toll-free number on the back of your card and select “To register your card”.

• How do I obtain a PIN for my new Visa Gift Card?

  • You will get your PIN when you register your gift card online or by phone.

• What happens if I forget my PIN?

  • If you forget your PIN, you will need to reset it online @visadpsgiftcard.com/golden1.

• Can I use the Visa Gift Card at a cash register?

  • Yes, the VISA Gift Cards can be used anywhere the Visa Debit or STAR logo is displayed.

• My Visa Gift Card doesn’t have my name on it. Can I still use it?

  • Yes, you can still use your Visa Gift Card even though your name doesn’t appear on the card. You need to Make sure that you sign the back of your Visa Gift Card because a retailer will validate your identity by comparing your signature on the back of your Visa Gift Card with the one on your receipt.

• If my Visa Gift Card doesn’t have my name on it, do I still sign my name on the receipt?

  • Yes, even though your Visa Gift Card has a greeting, like “Happy Holidays” instead of your name, you should still sign your name on the receipt when you make purchases. Make sure you sign the back of your card, so that retailers can validate your identity by comparing your signature on the receipt with the one on your Visa Gift Card.

• Do I have to accept the Terms and Conditions?

  • Using your Visa Gift Card signifies that you accept the Terms and Conditions of VISA Gift Cards.

• How will I know the original amount of my Visa Gift Card?

  • The original value of your Visa Gift Card may be printed on the card carrier or the envelope. You can also check your balance by logging into this Web site or by calling the toll-free number on the back of your card.

• Why should I Register My Visa Gift Card?

  • Registering your VISA Gift Card has several benefits:
    • It enables you to make purchases online. Most online retailers do not accept payments without a valid “billing” address. Your registered address will serve as the “billing” address that retailers require.
    • It enables Customer Service Representatives to more quickly assist you when you need assistance.
    • It protects you if your card is ever lost or stolen, so that you can be reimbursed for funds lost.

• Do I need an e-mail address to Use My Visa Gift Card?

  • No, you are not required to have an e-mail address to make purchases with your Visa Gift Card. However, your e-mail address is useful if you ever forget your username or password on the Web site because we can send it to you at the e-mail address we have on file.

• Can I make Purchases for more than the amount remaining on My Visa Gift Card?

  • Your Visa Gift Card is the Prepaid Gift Card and can only be used up to the amount on the card; however, for purchases that are higher than your Visa Gift Card balance, you can use your Visa Gift Card along with another form of payment. If you attempt to make a purchase for more than the amount available on the card without another form of payment to pay the difference, the transaction will be declined.

• Can I use my Visa Gift Card at more than one place?

  • Yes, that’s the advantage of using the Visa Gift Card! You can use your Visa Gift Card at multiple retailers for as long as there is a balance remaining on the card.

• Can I use my Visa Gift Card online?

  • Yes, you can use your Visa Gift Card to make purchases online. We suggest that you register your card before purchasing online. Some retailers will not process your purchase without a valid address registered to the card.

• How do I use my Visa Gift Card at a cash register with a POS Terminal?

  • When making a purchase using a POS terminal, push “credit” on the keypad. Although the front of the card says “debit,” the gift card does not come with a PIN. The purchase will be declined if you push “debit”.

• Can I use my Visa Gift Card at an ATM?

  • No, your Visa Gift Card can only be used for retail, online and telephone purchases wherever Visa Debit Cards are accepted.

• Can I use my Visa Gift Card to get cash at a banking center?

  • No, you can only use your Visa Gift Card for retail or online purchases wherever Visa Debit Cards are accepted.

• Can I use my Visa Gift Card to get cash at the checkout?

  • No, you cannot use your Visa Gift Card to get cash at the checkout.

• Can I add more money onto my Visa Gift Card?

  • No, you cannot add more money to your Visa Gift Card; however, you can purchase additional Visa Gift Cards through the “Buy a Card” link or at our branch locations.

• How can I check the balance on my Visa Gift Card?

  • To check the balance of your Visa Gift Card, sign into this Web site or call the toll-free number on the back of your card.

• What should I do if my Visa Gift Card is lost or stolen?

  • If your VISA Gift Card is lost or stolen then you need to contact Customer Service immediately to report it. You can contact by calling The Golden 1’s Gift Card Center toll-free at 1-866-839-7599.

• How long can I use my Visa Gift Card?

  • Your Visa Gift Card expiration date is embossed on the front of your card. You can use your card through the end of the month on the year it expires.

• What do I do if I have a remaining balance on an expired Visa Gift Card?

  • If you have a balance remaining on your Visa Gift Card, you can request to have the balance, minus the processing fee, mailed to you.

• What happens if I spend all of the money on my Visa Gift Card?

  • Once you have used up the funds on your Visa Gift Card, your card account will be closed. You can keep the card in case you need to return an item you have purchased using the card, which will reopen your card account if it has not passed the expiration date. You can keep it as a memento. You can also discard it by cutting it up or shredding it once you have spent all of your money.

• What can I do if the remaining balance on my card is less than the processing fee to cash the card?

  • If your VISA Git Card is not expired, we suggest that you try to use up the balance of the card at a merchant that will allow you to use two forms of payment for a single purchase. You can then ask the merchant to take the amount left on the Visa Gift Card and pay the difference of the purchase total with your other form of payment. If your card is expired, and the amount of the processing fee to unload the card is higher than the balance remaining on the card, your card will be charged a monthly maintenance fee until the balance is zero.

• Can I change my address and telephone number after I have received my Visa Gift Card?

  • Yes, the recipient can change their address or telephone number using this Web site or by calling a Customer Service Representative.

• Can I buy a new Visa Gift Card with my current Visa Gift Card?

  • No, you may not purchase a new Visa Gift card using your current Visa Gift Card.

• Can I purchase Visa Gift Cards in bulk?

  • At this time, we do not support large Visa Gift Card orders.

• Why am I being charged a maintenance fee when I have never been charged this fee before?

  • A monthly maintenance fee is waived for an introductory amount of time. If you still have a balance remaining on the card after this introductory period, your card will be charged a monthly maintenance fee for as long as there is a balance remaining on the card.

• What is the difference between a “pending transaction” and a “posted transaction”?

  • Pending transactions are authorized transactions with a hold on your balance for the purchase amount until the transaction clears your account. Posted transactions are purchases that have cleared on your card and funds have been removed to pay the merchant. There are some pending transactions that are more or less than the amount you have actually spent. This is because some retailers place a pre-authorization amount on your card to ensure the account is active and that you have enough money to cover the purchase. In some cases, such as restaurants, you are charged a percentage higher (typically 15%) than the amount of the transaction in case you pay a tip on your card. Once the transaction posts to your account, the pending transaction will be removed within a few business days, and you can use the funds again.

• Why is my “Actual Balance” is different than my “Available Balance”?

  • Typically, your available balance is less than your actual balance because your available balance reflects purchases you have made that have been authorized, but have not yet cleared your account. Your actual balance reflects all purchases that have cleared on your account.

VISA Credit Cards –

VISA provide the wide range of Credit cards with the host of offers, privileges discounts on lifestyle, Shopping, dinning, Movies and much more.  We looked for the best Visa credit cards currently available to consumers. By exploring our database of over 300 credit cards, we were able to compare different among many different cards, and figure out which Visa credit cards would be best for several different types of users.

Best Visa Credit Cards For…

American Express is the America’s Largest Multinational Financial Service located in three world Financial Center in the New York City. The company was founded on 1850 and is one of the 30 components of the Dow Jomes Industrial Average. The American Express Company is best known for its Credit Cards, Charge Cards, Traveler’s Cheque business.  American Express (Amex) offers its Iconic Green, Gold and Platinum Charge cards. In 1958, On the first time American Express issued its first Charge Card which required Payment at the end of every month.  After that in the year 1966 the Company issued its first Gold Card in an effort to cater to the upper echelon of the business travel.

The American Express Platinum Cards was issued on 1984. In the year, 1999 American Express introduce the “Centurion Card” which is also known as “Black Card” which cater to an even more affluent and elite customer segment. Initially these cards were only available for select users of the Platinum Cards. American Express credit cards are noted by travel guides, including Rough Guides and Lonely Planet, as being less commonly accepted in Europe than Visa or MasterCard. American Express has several co-branded Credit cards with most falling into these following sections:

• Airlines: Aerolineas Argentinas, Air Canada, Air France, Alitalia, British Airways, Cathay Pacific, Delta Air Lines, Icelandair, KLM, Qantas, Scandinavian Airlines, Singapore Airlines, SriLankan Airlines, Virgin Atlantic, Virgin Australia, among others.
• Hotels: Best Western, Hilton Hotels. Starwood Hotels & Resorts Worldwide
• Retailers: David Jones, Holt Renfrew, Harrods, Macy’s, Bloomingdales, Lowe’s, Mercedes Benz, and others.

American Express is the Global Service Company which provides customers with exceptional access to products, insights and experiences that enrich lives and build business success. Each day, American Express makes it easier, safer and more rewarding for consumers and businesses to purchase the things they need and for merchants to sell their goods and services. An engine of commerce, American Express provides innovative payment, travel and expense management solutions for individuals and businesses of all sizes. Most of all, American Express help their customers realize their dreams and aspirations through industry-leading benefits, access to unique experiences, business-building insights, and global customer care.

American Express Gift Card –

Gift cards are perfect way to send recipients on Special occasion, Birthdays, Anniversary, Christmas, Halloween & New year. Gift cards are welcomed at leading hotels, restaurants, shops, entertainment outlets and online merchants that accept the American Express gift cards . These cards are designed to find a perfect gift for all the important people in your life. You can get a American Express Business Gift Card for your star employees or loyal customers, Or a Personal Gift Card for friends and family. American Express Gift cards values range from $25 to $3,000, so American Express Gift Cards can be a thoughtful gift for any occasion. The benefits of American Express Gift Cards are numerous. They can be used virtually anywhere American Express is accepted in the U.S. Gift Card funds do not expire, there are no fees after purchase, and Gift Cards can be replaced if lost or stolen. So, next time you need to say thank you, congratulations, or Happy Birthday, say it with a gift that shows you care.

American Express Credit Cards –

American Express provide the wide range of Credit cards with the host of offers, privileges discounts on lifestyle, Shopping, dinning, Movies and much more. Amex Credit cards have become very famous for the excellent services and offers they provide These are the Types of American Express Credit Cards:

• American Express Platinum Charge Card
• American Express Gold Card
• American Express Platinum Reserve^SM Credit Card
• Jet Airways American Express Platinum Credit Card
• The American Express Platinum Travel Credit Card

Best American Express Credit Cards-

Best for	Card
Families	Blue Cash Preferred® Card from American Express
Frequent spenders	The Amex EveryDay® Credit Card from American Express
Travel rewards	Starwood Preferred Guest® Credit Card from American Express
Small business	SimplyCash® Plus Business Credit Card from American Express
Premium perks	The Platinum Card® from American Express

Miles	Gold Delta SkyMiles® Credit Card from American Express
Cash back	Blue Cash Everyday® Card from American Express
Rewards	The Amex EveryDay® Credit Card from American Express

American Express eGift Card-

electronic gift cards are appropriate for any occasion. There is no wrong reason to give someone money and anyone who is celebrating an event worth noting will certainly appreciate receiving a few extra bucks. It doesn’t matter what the occasion could be, an electronic, online gift card might be just the thing for someone deserving of a simple, but thoughtful gift. American Express offers an “eGift” card that is, as you may have guessed, an online version of the traditional gift card. Because it is an online card, you can only use it to make online purchases, but since it bears the American Express symbol, there are thousands of retailers who will accept it. American Express eCards are easy get and easy to use, whether you want to send a few dollars or a few hundred. You can buy one online by charging the desired value of the gift card or you can redeem the value as American Express Membership Rewards Points!

Types of American Express Gift Cards:

• American Express Consumer Gift Card – personal version for holiday gifts for friends/family
• American Express Business Gift Card – regular business version
• American Express Consumer Shop Early Gift Card – personal version for holiday gifts for friends/family
• American Express Business Shop Early Gift Card – regular business version
• American Express Consumer Holiday Gift Card – personal version for holiday gifts for friends/family
• American Express Business Holiday Gift Card – regular business version

Where To Buy American Express Gift Cards?

You can Buy American Express Gift Cards Online or In Store. If you want to Buy American Express Gift cards Online then you need to Visit on  www.americanexpress.com/gift-cards To Check all the Available Gift cards. If you are looking to Buy American Express Gift cards In Store . You can count on finding American Express Gift Cards in just about any brick-and-mortar location that sells a variety of gift cards. For instance, pretty much any drug-store, grocery store, or supermarket.

Here’s a short list of well-known retailers that have them available for purchase:

• Office Depot
• Staples
• Safeway
• Walgreens
• Walmart
• Target
• Pathmark
• Winn Dixie
• Stop&Shop
• Wawa
• Albertsons
• Kmart
• Kroger
• Tom Thumb
• A&P
• Rite Aid
• CVS
• US Post Offices

American Express Gift Card Register & Activation-

American Express Gift Cards can be used for in-store shopping almost immediately after their purchase. Many readers who have received an American Express Gift Card ask the following question: How do I register for an American Express Gift Card? And this is what we will be discussing today. American Express Gift Cards do not require registration and there isn’t a registration process either. Although registration is not required, you may be interested in the following information pertaining to American Express Gift Cards. American Express Gift cards do not require activation; the activation is basically completed along with the purchase transaction.

How To Use The American Express Gift Card online-

Using the American Express Gift Cards online is quit simple and easy. You can use your American Express Gift Card online directly without activation or registration -you need to simply enter the card number, the expiration date, and the 4-digit code on the merchant’s website. When asked to enter billing information, just use your own billing information as if you’re using a credit card.

Lost Your Prepaid Gift Cards? What Thing You need to Do?

If you ever need to replace a lost or stolen Gift Card, you’ll have to contact customer service at 1-877-297-4438. According to the card holder agreement, you’ll need the following:

• Your name
• Your address
• The Card number
• The CID number(4-digit number on the front) and the CSC number(3-digit number on the back)
• Other details for identification purposes

American Express’ website has detailed information on this topic in the FAQ. Just You need to Keep in mind that if you enjoy using an American Express Gift Card to make purchases, you should also consider getting yourself an American Express Credit Card, which has the following benefits that the Gift Card doesn’t offer

• Earn reward points
• Zero fraud liability
• Enjoy Amex Offers
• Purchase protection
• No hassle when requesting a refund to the card

Many American Express credit cards can earn rewards points such as Membership Rewards Points, Starpoints by Starwood Preferred Guest, or Skymiles by Delta Air Lines. Their value greatly depends on how they’re used. For example, Amex Membership Reward points’ value can range from $0.7 to $5.0 apiece. However, most loyalty programs push consumers towards redeeming points and miles for low value items, such as gift cards and magazines. Most gift card redemption rates are lower than 1 cent per point. And unless money is going to be spent on magazines anyways, their redemption rate is close to 0.

Check American Express Gift Card Balance-

If you’re the American Express Gift card holder and looking for How To Check American Express Gift Card balance? then you’re on right place. When you receive an American Express Gift Cards, the Balance on the Card will be prepaid by the purchaser. The Available Balance could be start at any amount from $25 to $35000 for the business incentive programs. American Express have its own webpage dedicated to determining the Balance renaming on your Gift cards. It is easy to Check the amount of Funds on your American Express Gift cards. It is Important to Check American Express Gift Card Balance Online regularly. You can check your American Express gift card balance in one of two ways — online or over the phone. here is the Complete process to check the American Express Gift card Balance:

Check American Express Gift Card Balance Online-

• Step I: At first you need to Visit the American Express website specifically devoted to Check American Express Gift Card Balance online.
• Step II: After Logged In at www.americanexpress.com You need to Click on  “Check Balance” button located on the top right on your account`s page.
• Step III: Now Enter the 15 Digit American Express Gift Card Number & 4-digit code.
• Step IV: After Typing the Both details, Just Click On “Check Balance” Button. The Balance will show on your Screen.

Check American Express Gift Card Balance Using the Automated Phone Service-

• Step I: At First You need to Call American Express Customer Service by dialing the Number 1-877-297-4438
• Step II: Now Recorded Voice will answer and give you a list of options, you need to press 1 to Check Your Gift card Balance.
• Step III: After That Enter Your Gift Card Number along with PIN Number.
• Step IV: Now Listen For Your Prepaid Gift card balance.

How do I check the balance of My American Express Gift Card?

Find out how much money is left to spend on your American Express gift cards. You will need your card number and PIN code, if applicable. Verify the remaining balance online by following the link above. Some retailers only allow you to check the balance by calling their customer support line. The phone number to check your American Express Gift Card balance is provided above. Certain bricks and mortar retailers do not allow you to verify the balance online or by phone.