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Do gift cards expire in ontario
Promotional prepaid MasterCard and Visa cards are growing in popularity.
A massage at a spa).
Consumers Calling card Yes, cards and credits can expire.
As long as the card is not used, the amount paid to purchase the card can never be "lost" due to an expiry date.Most of the others, such as Ontario, prefer the term gift cards.Prepaid MasterCard and Visa cards now require clear information on product packaging so that consumers know exactly what theyre purchasing, and can better compare prepaid cause fees are generally levied on all gift card and prepaid products, always check the fees and compare products before."These changes the McGuinty government is bringing in are fair to the consumers and, I might add, fair to business.Usually that swap is instantaneous: the customer hands over some cash, and the retailer hands back the goods.
Consumers Non-promotional, prepaid cards or Visa / MasterCard gift card, typically purchased by a consumer as a gift.
These are the cards you world of watches daily deal can purchase at retailers like Shoppers Drug Mart or Wal-Mart, or purchase at bank branches for personal use or ese non-promotional cards: Must have clearly disclosed information about the card and the card fees.
Prepaid MasterCard or Visa cards come in two flavours.
Last month in this column, I looked at the issue of micro-financing by using pre-paid sales as a means to finance your business.
Heres how the different card products break down in Ontario: Sources: Consumer Protection Ontario, Buying or Using Gift Cards.If you want to sell gift cards or gift certificates, be prepared to honour them forever.The regulations, which were designed to make it easier for consumers to evaluate prepaid options and pricing, put the onus on Canadians to understand what prepaid products are, and how they differ.Consumers Gift Card or Gift Certificate Yes, a dormancy fee of up.50 a month can apply after 15 months.Prepaid calling cards do not fall under the same regulations as gift cards or prepaid credit cards. Financial Consumer Agency of Canada, Your Rights Under the Prepaid Payment Products Regulations.There are slight variations across provinces, but the basic gist of every regime is that retailers can no longer slap expiry dates on gift cards.Consumers, gift Card or Gift Certificate, yes, cards and funds can expire.Here is an example: you purchase a 50 gift card that entitles you to a massage.