Gift Card Scams
Gift cards are for gifts, not for payments. As soon as someone tells you to pay them with a gift card, that’s a scam. Gift cards are popular with scammers because they’re easy for people to find and buy. They also have fewer protections for buyers compared to some other payment options. They’re more like cash: once you use a gift card, the money on it is gone.
If someone calls and asks that you pay them with gift cards, that’s a scammer calling. And once they have the gift card number and the PIN, they have your money.
Scammers may tell you different stories to get you to pay them with gift cards, but this is what usually happens:
- The caller says it’s urgent. They say you have to pay right away or something terrible will happen. They want to scare or pressure you into acting quickly, so you don’t have time to think or talk to someone you trust.
- The caller usually tells you which gift card to buy. They might say to put money on an eBay, Google Play, Target, or iTunes gift card. They might send you to a specific store — often Walmart, Target, CVS, or Walgreens. Sometimes they tell you to buy cards at several stores, so cashiers won’t get suspicious. And the caller might stay on the phone with you while you go to the store and load money onto the card.
- The caller asks you for the gift card number and PIN. The card number and PIN on the back of the card let the scammer get the money you loaded onto the card. Don’t give them those numbers. It’s a scam. You’ll lose your money, and you won’t be able to get it back.
Safely Buying and Using Gift Cards
Remember that gift cards are for gifts, not for payments. So if you buy gift cards to give away or donate:
- Stick to stores you know and trust. Avoid buying from online auction sites because the cards may be fake or stolen.
- Check it out before you buy it. Make sure the protective stickers are on the card and that they do not appear to have been tampered with. Also check that the PIN number on the back isn’t showing. Get a different card if you spot a problem.
- Keep your receipt. This, or the card’s ID number, will help you file a report if you lose the gift card.