Alabama, unlike most states, does not currently have any state laws relating to gift cards. However, gift cards are protected by the CARD act. This means gift cards have a minimum expiration date of five years. Reloadable cards start this five year period every time value is added to the card.
While we are encouraged by the Federal laws, it is discouraging to see Alabama not enact legislation that helps protect consumers.
Alabama became a state on Dec. 14, 1819, making it the 22nd state in the union. Alabama's original residents, the Cherokee, Creek, Choctaw and Chickasaw Tribes, inhabited the rolling hills and plush plains long before any European settlers moved in. Alabama's rocky history includes everything from sorrow over the loss of life during the American Civil War, heartache during the Civil Rights movement, and joyful celebration after building the first rocket to take men to the moon.
The Average Income is $42,934, compared to a national average of $52,762.
17.6% of people in the state live below poverty level compared to the national average of 14.3%.
70.7% of residents own their own home, higher than the national average of 66.1%.
Alabama's Consumer Protection Laws
Learn more about the consumer protection laws by contacting the Alabama state legislator.
Great Gift Card Ideas
When do gift cards make the perfect gift? Almost anytime. In fact, many retailers offer discounts or incentives when you purchase a gift card for a specific holiday. For example, American Express recently offered gift cards with no fees and no shipping charges, when purchasing a Photo Gift Card for Father's Day or Graduation.
When Not To Give A Gift Card
Sometimes gift cards are not appropriate. If you want to give someone a personalized gift that you make, or if the person you want to send a gift to lives in a country with limited infrastructure, a gift card may not be the best gift. However gift cards are almost always the perfect gift!