Frequently Asked Questions
Greater Texas Federal Credit Union Visa Prepaid Card
- Do I have to accept the Terms and Conditions?
- Where can I use my Visa Gift Card?
- Can I use my Visa Gift Card at ATMs?
- Why do I have to register my card?
- What if I don’t know my password?
- Does my Visa Gift Card affect my credit?
- Can I add money to my Visa Gift Card?
- Why can't I use my Visa Gift Card at a gas pump?
- What do I do if my Visa Gift Card is lost or stolen?
- My Visa Gift Card doesn't have my name on it. Can I really use it?
- My Visa Gift Card doesn't have my name on it. Do I still sign my name when I make purchases?
- What is the difference between a pending transaction and a posted transaction?
- Why is my Available Balance different than my Actual Balance?
- Can I spend more than the balance on the card?
- Do I have to have an e-mail address to use my Visa Gift Card?
Do I have to accept the terms and conditions?
Using your Visa Prepaid card signifies that you accept the Terms and Conditions.
Where can I use my Visa Gift Card?
You can use your Visa Prepaid Card anywhere Visa Check Card is accepted.
Can I use my Visa Gift Card at ATMs?
No, you may not use your Visa Prepaid Card at ATMs.
Why do I have to register my card?
Visa recommends that you register your card to protect your rights if your Visa Prepaid Card is ever lost or stolen. By registering your card, it makes the process of refunding your money for unauthorized purchases easier.
What if I don’t know my password?
YYour original password to register your card is the 3 digit code on the back of your card.
If after registration, you changed your card’s password, then on the Cardholder Sign In page, select “forgot password” and complete the instructions that follow.
Does my Visa Gift Card affect my credit?
No. Your Visa Prepaid Card is not tied to your credit in any way.
Can I add money to my Visa Gift Card?
Currently, you cannot "re-load" your card. Your Visa Prepaid Card is intended for use until the balance is depleted. Once you have used up your balance, you can destroy and throw away your card.
Why can't I use my Visa Gift Card at a gas pump?
If you have a low balance on your Visa Prepaid Card, and you are attempting to use it at a gas pump, you may not be able to because of the required "pre-authorization" amount. If you want to use your remaining balance on a gas purchase, pay inside with the cashier instead for the exact amount of the card balance./p>
What do I do if my Visa Gift Card is lost or stolen?
If your Visa Prepaid Card is lost or stolen, you can contact the GT Gift Visa Prepaid Card Customer Service Center to order a new card and to file a dispute for the purchases you did not authorize. You can find their contact information under Contact Us. The number is 866-599-5618.
My Visa Gift Card doesn't have my name on it. Can I really use it?
Yes. You can still use your card even though your name does not appear on the card. Your identity is verified by a retailer by checking your signature on the back of your card to ensure that it matches the signature on your sales draft.
My Visa Gift Card doesn't have my name on it. Do I still sign my name when I make purchases?
Yes. Even if your Visa Prepaid Card has a greeting, like "Happy Holidays" instead of your name, you will still sign your name on the sales draft when you make purchases. Make sure you sign the back of your card, so that retailers can compare your signature to the one on the back of the card.
What is the difference between a "pending transaction" and a "posted transaction?"
Pending transactions are authorized transactions, and a hold is placed for the purchase amount on your card. Posted transactions are purchases that have cleared on your card and the funds have been removed. There are some pending transactions that are more or less than the amount you have actually spent. This is because some retailers that place a pre-authorization amount on your card for more or less than the total of the purchase. For example, gas stations make a pre-authorization for a smaller amount, such as $1.00 to ensure the account is active. Once you have completed your purchase an actual authorization is sent in the amount of your purchase. Restaurants, however, will typically send a pre-authorization amount for 20% higher than the total of your bill to ensure you have enough money on your card to cover the tip that you authorize.
Why is my Available Balance different than my Actual 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 cleared your account. However, there are some cases, such as when you have returned merchandise. where the Available Balance will be more than your Actual Balance.
Can I spend more than the balance on the card?
Your Visa Prepaid Card is prepaid and can only be used to make purchases up to the amount on the card. Most retailers send a pre-authorization for the amount of the purchase to ensure that you card has enough money for the purchase. If you attempt to make a purchase for more than the amount available on the card, the transaction will be declined.
Do I have to have an e-mail address to use my Visa Gift Card?
Your Visa Prepaid Card is prepaid and can only be used to make purchases up to the amount on the card. Most retailers send a pre-authorization for the amount of the purchase to ensure that you card has enough money for the purchase. If you attempt to make a purchase for more than the amount available on the card, the transaction will be declined.