What are the most important things to remember when using the Card?
1. Do not swipe the Card for more than its available value.
2. Choose credit, not debit.
3. Check this website or the information that came with your mailing for participating merchants.
4. If you encounter difficulty at the point of sale, ask the merchant to call Cardholder Services at 866-230-3809.
Where can I use the Card?
The Card may only be used at the participating merchants listed on this website. Participating merchants may be updated daily.
Can I use the Card for online purchases?
Yes, if the participating merchant offers online shopping, as noted on this website.
Is the Card a credit card?
No. It is a Visa® Prepaid Card containing a specific value. You may only spend the value available on the Card.
Can my Card ever have a negative balance?
Any authorization request that is greater than your Card's available balance will be declined. However, there can be times when a merchant puts a transaction through without prior authorization. If an overdraft occurs, the cardholder will be required to make a payment to Cardholder Services to cover the negative amount.
Payments should be sent to:
Cardholder Services
PO Box 5109
Buffalo Grove, IL 60089
Does my Card expire?
Yes. Please pay particular attention to the expiration date of your Card. Once your Card expires, it will not be available for use. You can find the expiration date on the front of your Card.
Do I need to activate my Card?
No. Your Card is ready for use. As long as you have sufficient funds and your Card has not expired, you can spend your funds immediately.
I noticed that my Card says DEBIT on the front. Do I need a PIN number to make a purchase?
No. Your Card does not come with a PIN. To make a purchase, always select CREDIT. Do not push DEBIT if using a keypad. Instead, press the CREDIT button and then sign the receipt.
Can I get cash from an ATM or bank?
No. Your Card has no cash access.
What if I want to purchase an item that costs more than the balance on my Card?
To make a purchase in an amount greater than the available balance, you will need to use a second form of payment to cover the difference.
When ready to make your purchase, tell the cashier in advance the amount you would like applied to your Card. The balance will then need to be paid with the second payment method.
What should I do if my Card is declined?
Verify there are sufficient funds on the card prior to making a purchase.
If your purchase is at a merchant that is in the hospitality industry or one that allows for a gratuity/tip to be included, (i.e. car rental, hotel, restaurant, cruise ship, resort, taxi, and spa) the merchant may authorize your transaction for an additional 20% above your total bill. Be sure that the balance on your card is sufficient to cover the cost of the bill plus the tip added. If not, the transaction will be declined.
If your purchase is still declined and you believe the card has sufficient funds, please contact us at 1-866-230-3809.
Where can I see my transaction purchases and check my Card balance?
You can view your purchases and check your balance by visiting spendclique.com or by calling 1-866-230-3809. You will be able to print statements and access all of your transaction history online.
What should I do if my Card is lost or stolen?
If you believe your Card has been compromised, please call the customer support center at 1-866-230-3809. Your Card will be closed and blocked from future purchases. We will reissue you a new Card for the unused balance less a $10 reissue fee.
I returned an item that was purchased with my Card. When will the credit be reflected on my account?
The timeline can vary from merchant to merchant but the average time for a credit to post back to your account is approximately 7 to 10 business days.
What should I do with my Card once the value is depleted?
You should keep your Card—even after the balance is depleted—until you know that you will not be returning any of the items purchased with the Card. If you do try to return items purchased, the store's policy may require you to present the card used to make the purchase. You should destroy the Card once you are sure you no longer need it.