Do you have a hard-to-buy-for person on your gift list? Then a VISA® Gift Card is the perfect gift for any occasion including holidays, birthdays, graduations, and more! It works just like a credit card at most of the more than 19 million traditional and online retailers that accept VISA®. For more information, or to purchase a VISA® Gift Card, stop by any Security Credit Union office.
These are your Gift Card Terms and Conditions. Please read them carefully and keep them for your records. Please sign your card immediately. In these Terms and Conditions, "Gift Card" and "Card" means the Visa® Gift Cards issued by Security Credit Union. "You" and "Your" means the person who has received the Gift Card. "We", "Us" and "Our" means Security Credit Union, our successors, affiliates or assigns. By accepting and using your Gift Card, you are agreeing to these Terms and Conditions.
Card Access: The Gift Card is a prepaid card that may be used for purchases at most retail establishments that accept VISA debit cards.
Card Limitations: You must have sufficient, available funds to pay for all Gift Card transactions. If the purchase amount is greater than the available funds, the difference may be paid for with cash, check or credit or debit card, subject to the policy of the merchant. If the merchant attempts to process the Gift Card for more than the available funds, the transaction will be declined. You may confirm your available balance or transactions 24 hours a day, seven days a week a by going to www.harlandclarkegiftcard.com or by calling us toll free at 866-244-5360.
You may only use your card in the manner and for the purposes described in these Terms and Conditions. The card may not be used at some merchants including hotels, gambling establishments, rental agencies, "pay at the pump" gasoline, recurring charges (i.e. utilities, internet service, subscriptions, memberships, etc), or any illegal purposes. The Card may not be used to obtain cash from automated teller machines (ATMS) or for any other type of cash advance. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient to cover the actual amount of your purchase.
Foreign Transactions. If you obtain your funds (or make a purchase) in a currency other than the currency in which your Card was issued, the amount deducted from your funds will be converted by VISA U.S.A. Inc. into an amount in the currency of your Card. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by VISA U.S.A. Inc. from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate VISA U.S.A. Inc. itself receives, or the government-mandated rate in effect for the applicable central processing date. Service Charges. Your Gift Card will be charged:
All fees are automatically deducted from your Card balance on the first day of the month. If your Card balance is zero or becomes zero as a result of any fees, the Card will be terminated.
Disputes with Merchants. You agree to make a good faith effort to settle all disputes about purchases you make using your Card with the merchant who accepted the card.
Your Liability For Card Use. Tell us AT ONCE if you believe your Card has been lost or stolen. Telephoning is the best way of keeping your possible losses down. Call us toll free at 866-244-5360, 24 hours a day, seven days a week. If your Card is used in connection with an unauthorized transaction that was processed through the VISA® Network, your liability will not exceed $0 if you reported the loss or theft of your Card and, you did not act grossly negligent or fraudulently in handling your Card.
Expiration. Your Card expires on the expiration date listed on the front of the Card, except where prohibited by law, or when the entire value has been exhausted, whichever comes first. After the Card has expired, it is no longer valid. All transactions will be declined. Your Card may be subject to State law requiring us to turn over remaining funds on your Card to a government authority after a period of inactivity or dormancy.