So, you know those “gift cards” that are made by Visa/AMEX/MasterCard and can be used anywhere? Well..they are sneaky, here is why. You must have a balance on the card that covers the cost you are trying to purchase! Otherwise it is ‘denied’ like a credit card is. This is real annoying when you have less than a dollar on the card and you can’t use it anywhere! Money down the drain for me and making money for them. grr. Buyer Beware – I would much rather receive a gift card to a specific store and actually be able to use all of it, wouldn’t you?